Skip to content
Company Analysis

Visa Inc. V

A comprehensive view of key metrics, scores, and financial health for Visa Inc.

Overview of Visa Inc.

V NYQ
Financial Services Credit Services Framework: Software & SaaS Mega Cap
Visa Inc. (V), is a Mega Cap company, in the Credit Services industry, last closed at $425.51, about 74.5% overvalued vs fair value, +26.3% 1Y return, placing in the top 10% of its sector.
Metrics P/E 37.3× Rev Growth 11.3% ROE 52.1% Gross Margin 80.4% Div Yield 0.73%
USD 425.51
2.88%
(Delayed)
• Vol 90d: 20.4%
52-Week Range
Market Cap
$791.23B
Enterprise Value
$803.25B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 95%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.visa.com
HQ San Francisco, CA
Fiscal year Sep 30

Next Events

Earnings Jan 26 Estimated

Fair Value Snapshot

Bear Base Bull
$101
$109
$118
Current: $425.51 -75% vs base

Engine Room Money Flow™

Mega Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$40.0B
11.3%%
Gross Profit
$32.1B
11.3%%
Operating Income (GAAP)
$24.0B
1.7%%
Operating Cash Flow
$23.1B
15.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
80.4%
Excellent

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$22.9B
106.4% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
0/3
Improving
1
High Impact
2
Critical
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Visa Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
76
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 1.00), consistent with premium software economics.
  • Consistent Subscription Growth Revenue consistency is strong (score 0.81), pointing to a sticky customer base.

Key risks

  • FCF Trend Is Softening FCF trend is weak (score 0.27), suggesting cash scalability is deteriorating.
  • Liquidity Cushion Looks Thin Liquidity position is weak (score 0.39), leaving less room for error.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Pricing Power

Strong
86
Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Recurring Revenue Stickiness

Premium

Signals, strengths and risks for Innovation Engine

Premium

Signals, strengths and risks for Cash Scalability

Premium

Signals, strengths and risks for Capital Efficiency

Premium

Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 92% Coverage
Trade-Off Triangle Visualization A ternary plot showing V's balance between Growth (27.6%), Profitability (45.4%), and Safety (27.0%). Growth 28% Safety 27% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

57th percentile vs peers
57
Key Signals
Rev Growth YoY 11.3% 53p Revenue CAGR 3Y 10.9% 55p TSR 25.1% 71p Buyback % -2.4% 78p EPS Growth YoY 11.1% 38p
Strengths
  • Gross Profit Margin in top 20% of peers (80.4%, 86th percentile)
  • Rule of 40 in top 20% of peers (65.3%, 92th percentile)
  • FCF Margin in top 20% of peers (53.9%, 98th percentile)
  • Interest Coverage Ratio in top 20% of peers (42.08, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

93th percentile vs peers
94
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

55th percentile vs peers
56
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Visa Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$108.65
- - -
-74.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000