VISA INC-CLASS A SHARES (V) Stock Fundamental Analysis

NYSE:V • US92826C8394

320.14 USD
+3.44 (+1.09%)
At close: Feb 27, 2026
319.37 USD
-0.77 (-0.24%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Overall V gets a fundamental rating of 7 out of 10. We evaluated V against 98 industry peers in the Financial Services industry. V scores excellent points on both the profitability and health parts. This is a solid base for a good stock. V is quite expensive at the moment. It does show a decent growth rate. These ratings would make V suitable for quality investing!


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • V had positive earnings in the past year.
  • In the past year V had a positive cash flow from operations.
  • In the past 5 years V has always been profitable.
  • In the past 5 years V always reported a positive cash flow from operatings.
V Yearly Net Income VS EBIT VS OCF VS FCFV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • V's Return On Assets of 21.27% is amongst the best of the industry. V outperforms 96.94% of its industry peers.
  • V has a better Return On Equity (53.11%) than 96.94% of its industry peers.
  • V has a Return On Invested Capital of 35.11%. This is amongst the best in the industry. V outperforms 97.96% of its industry peers.
  • V had an Average Return On Invested Capital over the past 3 years of 30.07%. This is significantly above the industry average of 8.40%.
  • The 3 year average ROIC (30.07%) for V is below the current ROIC(35.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROIC 35.11%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
V Yearly ROA, ROE, ROICV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • V has a better Profit Margin (49.75%) than 88.78% of its industry peers.
  • In the last couple of years the Profit Margin of V has remained more or less at the same level.
  • V has a Operating Margin of 66.98%. This is amongst the best in the industry. V outperforms 91.84% of its industry peers.
  • V's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 81.08%, V belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
  • In the last couple of years the Gross Margin of V has remained more or less at the same level.
Industry RankSector Rank
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
V Yearly Profit, Operating, Gross MarginsV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • V has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • Compared to 1 year ago, V has less shares outstanding
  • Compared to 5 years ago, V has less shares outstanding
  • Compared to 1 year ago, V has a worse debt to assets ratio.
V Yearly Shares OutstandingV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
V Yearly Total Debt VS Total AssetsV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • An Altman-Z score of 7.89 indicates that V is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 7.89, V belongs to the best of the industry, outperforming 90.82% of the companies in the same industry.
  • The Debt to FCF ratio of V is 0.92, which is an excellent value as it means it would take V, only 0.92 years of fcf income to pay off all of its debts.
  • V has a better Debt to FCF ratio (0.92) than 80.61% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that V is somewhat dependend on debt financing.
  • V has a Debt to Equity ratio (0.51) which is in line with its industry peers.
  • Although V does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.89
ROIC/WACC4.19
WACC8.37%
V Yearly LT Debt VS Equity VS FCFV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • V has a Current Ratio of 1.11. This is a normal value and indicates that V is financially healthy and should not expect problems in meeting its short term obligations.
  • V has a Current ratio (1.11) which is comparable to the rest of the industry.
  • V has a Quick Ratio of 1.11. This is a normal value and indicates that V is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of V (1.11) is comparable to the rest of the industry.
  • V does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
V Yearly Current Assets VS Current LiabilitesV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.44% over the past year.
  • V shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
  • V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • Measured over the past years, V shows a quite strong growth in Revenue. The Revenue has been growing by 12.86% on average per year.
EPS 1Y (TTM)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%

3.2 Future

  • V is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.16% yearly.
  • V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.14% yearly.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.84%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
V Yearly Revenue VS EstimatesV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
V Yearly EPS VS EstimatesV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 26.93 indicates a quite expensive valuation of V.
  • Compared to the rest of the industry, the Price/Earnings ratio of V indicates a slightly more expensive valuation: V is more expensive than 67.35% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.10. V is around the same levels.
  • Based on the Price/Forward Earnings ratio of 21.61, the valuation of V can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of V indicates a slightly more expensive valuation: V is more expensive than 63.27% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, V is valued a bit cheaper.
Industry RankSector Rank
PE 26.93
Fwd PE 21.61
V Price Earnings VS Forward Price EarningsV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of V is on the same level as its industry peers.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of V is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 26.61
EV/EBITDA 20.93
V Per share dataV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates V does not grow enough to justify the current Price/Earnings ratio.
  • V has an outstanding profitability rating, which may justify a higher PE ratio.
  • V's earnings are expected to grow with 13.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.9
PEG (5Y)1.5
EPS Next 2Y13.65%
EPS Next 3Y13.19%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.81%, V is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.21, V has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.81, V pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.81%

5.2 History

  • On average, the dividend of V grows each year by 13.85%, which is quite nice.
  • V has been paying a dividend for at least 10 years, so it has a reliable track record.
  • V has decreased its dividend recently.
Dividend Growth(5Y)13.85%
Div Incr Years1
Div Non Decr Years1
V Yearly Dividends per shareV Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 23.10% of the earnings are spent on dividend by V. This is a low number and sustainable payout ratio.
  • V's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
V Yearly Income VS Free CF VS DividendV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
V Dividend Payout.V Dividend Payout, showing the Payout Ratio.V Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

VISA INC-CLASS A SHARES

NYSE:V (2/27/2026, 8:04:00 PM)

After market: 319.37 -0.77 (-0.24%)

320.14

+3.44 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.54%
Inst Owner Change0.65%
Ins Owners0.04%
Ins Owner Change7.5%
Market Cap610.19B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.92
Price Target408.31 (27.54%)
Short Float %1.55%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
Yearly Dividend2.39
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-10
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.26%
Min EPS beat(2)-1.51%
Max EPS beat(2)-1.02%
EPS beat(4)2
Avg EPS beat(4)0.27%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)9
Avg EPS beat(12)0.89%
EPS beat(16)13
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.29%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)0.24%
PT rev (3m)1.67%
EPS NQ rev (1m)0.81%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0.41%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 26.93
Fwd PE 21.61
P/S 14.74
P/FCF 26.61
P/OCF 24.96
P/B 15.74
P/tB N/A
EV/EBITDA 20.93
EPS(TTM)11.89
EY3.71%
EPS(NY)14.81
Fwd EY4.63%
FCF(TTM)12.03
FCFY3.76%
OCF(TTM)12.82
OCFY4.01%
SpS21.72
BVpS20.34
TBVpS-4.6
PEG (NY)1.9
PEG (5Y)1.5
Graham Number73.77
Profitability
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROCE 42.44%
ROIC 35.11%
ROICexc 46.88%
ROICexgc 1665.56%
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
FCFM 55.39%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
ROICexc(3y)41.42%
ROICexc(5y)37.31%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)36.35%
ROCE(5y)32.62%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y10.83%
ROICexc growth 5Y13.9%
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
F-Score6
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Debt/EBITDA 0.68
Cap/Depr 119.86%
Cap/Sales 3.66%
Interest Coverage 47.23
Cash Conversion 84.32%
Profit Quality 111.33%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 7.89
F-Score6
WACC8.37%
ROIC/WACC4.19
Cap/Depr(3y)118.45%
Cap/Depr(5y)111.14%
Cap/Sales(3y)3.48%
Cap/Sales(5y)3.34%
Profit Quality(3y)106.9%
Profit Quality(5y)112.77%
High Growth Momentum
Growth
EPS 1Y (TTM)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.84%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.95%
EBIT Next 3Y12.02%
EBIT Next 5Y11.09%
FCF growth 1Y19.91%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y21.02%
OCF growth 3Y6.95%
OCF growth 5Y17.17%

VISA INC-CLASS A SHARES / V FAQ

What is the ChartMill fundamental rating of VISA INC-CLASS A SHARES (V) stock?

ChartMill assigns a fundamental rating of 7 / 10 to V.


Can you provide the valuation status for VISA INC-CLASS A SHARES?

ChartMill assigns a valuation rating of 3 / 10 to VISA INC-CLASS A SHARES (V). This can be considered as Overvalued.


Can you provide the profitability details for VISA INC-CLASS A SHARES?

VISA INC-CLASS A SHARES (V) has a profitability rating of 9 / 10.


What are the PE and PB ratios of VISA INC-CLASS A SHARES (V) stock?

The Price/Earnings (PE) ratio for VISA INC-CLASS A SHARES (V) is 26.93 and the Price/Book (PB) ratio is 15.74.


How sustainable is the dividend of VISA INC-CLASS A SHARES (V) stock?

The dividend rating of VISA INC-CLASS A SHARES (V) is 4 / 10 and the dividend payout ratio is 23.1%.