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

NYSE:V • US92826C8394

Current stock price

304.44 USD
+2.82 (+0.93%)
At close:
303.98 USD
-0.46 (-0.15%)
Pre-Market:

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.
  • In the past year V had a positive cash flow from operations.
  • Each year in the past 5 years V has 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 has a better Return On Assets (21.27%) than 97.00% of its industry peers.
  • The Return On Equity of V (53.11%) is better than 97.00% of its industry peers.
  • V has a Return On Invested Capital of 35.11%. This is amongst the best in the industry. V outperforms 98.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for V is significantly above the industry average of 8.07%.
  • 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 90.00% 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 better Operating Margin (66.98%) than 92.00% of its industry peers.
  • In the last couple of years the Operating Margin of V has remained more or less at the same level.
  • The Gross Margin of V (81.08%) is better than 86.00% 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

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9

2. V Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), V is creating value.
  • V has less shares outstanding than it did 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 7.65 indicates that V is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of V (7.65) is better than 93.00% 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.
  • Looking at the Debt to FCF ratio, with a value of 0.92, V belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
  • V has a Debt/Equity ratio of 0.51. This is a neutral value indicating V is somewhat dependend on debt financing.
  • The Debt to Equity ratio of V (0.51) is comparable to the rest of the industry.
  • Although V's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 7.65
ROIC/WACC4
WACC8.77%
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.
  • With a Current ratio value of 1.11, V perfoms like the industry average, outperforming 58.00% 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 Quick ratio value of 1.11, V perfoms like the industry average, outperforming 60.00% of the companies in the same 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. 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.
  • Looking at the last year, V shows a quite strong growth in Revenue. The Revenue has grown by 12.47% in the last year.
  • The Revenue has been growing by 12.86% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, V will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.16% on average per year.
  • 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 Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.89%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
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

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3

4. V Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 25.60, the valuation of V can be described as expensive.
  • Based on the Price/Earnings ratio, V is valued a bit more expensive than 64.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.54, V is valued at the same level.
  • A Price/Forward Earnings ratio of 20.56 indicates a rather expensive valuation of V.
  • 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 63.00% 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 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.6
Fwd PE 20.56
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.
  • V's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 25.31
EV/EBITDA 20.13
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

  • V's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The excellent profitability rating of V may justify a higher PE ratio.
  • V's earnings are expected to grow with 13.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.79
PEG (5Y)1.43
EPS Next 2Y13.61%
EPS Next 3Y13.13%

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

4

5. V Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.87%, V is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.50, V has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, V's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.87%

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.
  • The dividend of V decreased 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 2Y13.61%
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

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V Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

NYSE:V (3/23/2026, 8:22:59 PM)

Premarket: 303.98 -0.46 (-0.15%)

304.44

+2.82 (+0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.48%
Inst Owner Change0.68%
Ins Owners0.05%
Ins Owner Change7.46%
Market Cap580.27B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.75
Price Target408.92 (34.32%)
Short Float %1.63%
Short Ratio3.37
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
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)0.15%
PT rev (3m)1.15%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 25.6
Fwd PE 20.56
P/S 14.02
P/FCF 25.31
P/OCF 23.74
P/B 14.96
P/tB N/A
EV/EBITDA 20.13
EPS(TTM)11.89
EY3.91%
EPS(NY)14.8
Fwd EY4.86%
FCF(TTM)12.03
FCFY3.95%
OCF(TTM)12.82
OCFY4.21%
SpS21.72
BVpS20.34
TBVpS-4.6
PEG (NY)1.79
PEG (5Y)1.43
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 7.65
F-Score6
WACC8.77%
ROIC/WACC4
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 Y14.31%
EPS Next 2Y13.61%
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 Year11.89%
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 Year16.27%
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.


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 25.6 and the Price/Book (PB) ratio is 14.96.


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%.