VISA INC-CLASS A SHARES (V) Fundamental Analysis & Valuation

NYSE:V • US92826C8394

Current stock price

308.26 USD
-0.62 (-0.2%)
Last:

This V fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

1. V Profitability Analysis

1.1 Basic Checks

  • V had positive earnings in the past year.
  • V had a positive operating cash flow in the past year.
  • 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

  • With an excellent Return On Assets value of 21.27%, V belongs to the best of the industry, outperforming 96.97% of the companies in the same industry.
  • V's Return On Equity of 53.11% is amongst the best of the industry. V outperforms 96.97% of its industry peers.
  • V has a better Return On Invested Capital (35.11%) than 97.98% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for V is significantly above the industry average of 8.00%.
  • The last Return On Invested Capital (35.11%) for V is above the 3 year average (30.07%), which is a sign of increasing profitability.
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's Profit Margin of 49.75% is amongst the best of the industry. V outperforms 91.92% of its industry peers.
  • V's Profit Margin has been stable in the last couple of years.
  • V has a better Operating Margin (66.98%) than 91.92% of its industry peers.
  • In the last couple of years the Operating Margin of V has remained more or less at the same level.
  • V has a better Gross Margin (81.08%) than 85.86% of its industry peers.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. V Health Analysis

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.
  • The number of shares outstanding for V has been reduced compared to 1 year ago.
  • V has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for V is higher compared to a year ago.
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 7.73 indicates that V is not in any danger for bankruptcy at the moment.
  • V has a Altman-Z score of 7.73. This is amongst the best in the industry. V outperforms 91.92% of its industry peers.
  • 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.
  • With an excellent Debt to FCF ratio value of 0.92, V belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
  • A Debt/Equity ratio of 0.51 indicates that V is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.51, V perfoms like the industry average, outperforming 57.58% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for V, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.73
ROIC/WACC4.04
WACC8.68%
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

  • A Current Ratio of 1.11 indicates that V should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.11, V is in line with its industry, outperforming 59.60% of the companies in the same industry.
  • A Quick Ratio of 1.11 indicates that V should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.11, V is doing good in the industry, outperforming 61.62% of the companies in the same industry.
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

More info and screens

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

6

3. V Growth Analysis

3.1 Past

  • V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, which is quite good.
  • 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%.
  • V shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.86% yearly.
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

  • The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.
  • Based on estimates for the next years, V will show a quite strong growth in Revenue. The Revenue will grow by 10.14% on average per year.
EPS Next Y14.33%
EPS Next 2Y13.7%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.93%
Revenue Next 2Y11.14%
Revenue Next 3Y10.72%
Revenue Next 5Y10.14%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

More info and screens

Find the best growth stocksShow best growing peers

2

4. V Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 25.93, which means the current valuation is very expensive for V.
  • 60.61% of the companies in the same industry are cheaper than V, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.47, V is valued at the same level.
  • V is valuated rather expensively with a Price/Forward Earnings ratio of 20.79.
  • 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 60.61% of the companies listed in the same industry.
  • V is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.93
Fwd PE 20.79
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

  • V's Enterprise Value to EBITDA is on the same level as the industry average.
  • V's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 25.63
EV/EBITDA 20.42
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 an expensive valuation of the company.
  • V has an outstanding profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as V's earnings are expected to grow with 13.13% in the coming years.
PEG (NY)1.81
PEG (5Y)1.45
EPS Next 2Y13.7%
EPS Next 3Y13.13%

More info and screens

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

4

5. V Dividend Analysis

5.1 Amount

  • V has a yearly dividend return of 0.85%, which is pretty low.
  • V's Dividend Yield is comparable with the industry average which is at 1.82.
  • With a Dividend Yield of 0.85, V pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.85%

5.2 History

  • On average, the dividend of V grows each year by 13.85%, which is quite nice.
  • V has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of V decreased in the last 3 years.
Dividend Growth(5Y)13.85%
Div Incr Years2
Div Non Decr Years2
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

  • V pays out 23.10% of its income as dividend. This is a sustainable payout ratio.
  • V's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.7%
EPS Next 3Y13.13%
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

V Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

NYSE:V (4/24/2026, 1:54:58 PM)

308.26

-0.62 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners90.42%
Inst Owner Change-0.09%
Ins Owners0.05%
Ins Owner Change7.45%
Market Cap587.55B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.04
Price Target402.79 (30.67%)
Short Float %1.4%
Short Ratio3.05
Dividend
Industry RankSector Rank
Dividend Yield 0.85%
Yearly Dividend2.39
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years2
Div Non Decr Years2
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)-1.5%
PT rev (3m)-1.12%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)0.93%
EPS NY rev (1m)0.02%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 25.93
Fwd PE 20.79
P/S 14.2
P/FCF 25.63
P/OCF 24.04
P/B 15.15
P/tB N/A
EV/EBITDA 20.42
EPS(TTM)11.89
EY3.86%
EPS(NY)14.83
Fwd EY4.81%
FCF(TTM)12.03
FCFY3.9%
OCF(TTM)12.82
OCFY4.16%
SpS21.72
BVpS20.34
TBVpS-4.6
PEG (NY)1.81
PEG (5Y)1.45
Graham Number73.7746 (-76.07%)
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 7.73
F-Score6
WACC8.68%
ROIC/WACC4.04
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 Y14.33%
EPS Next 2Y13.7%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.93%
Revenue Next 2Y11.14%
Revenue Next 3Y10.72%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.34%
EBIT Next 3Y12.37%
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 Fundamental Analysis 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.


What is the valuation status of VISA INC-CLASS A SHARES (V) stock?

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


What is the profitability of V stock?

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


How financially healthy is VISA INC-CLASS A SHARES?

The financial health rating of VISA INC-CLASS A SHARES (V) is 8 / 10.


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%.