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Visa Inc. (V) operating KPIs

VNYSEServices-Business Services, NECFiscal year ends September 30
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 29, 2026Score 11/30103% above fair value
$413.59+3.05 (+0.74%)

Close on Oct 30, 2026Market cap $738.02BP/E –Yield 0.14%

KPIs

Operating metrics that drive Visa's business · fiscal year ends September 30

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Visa's fiscal year ends September 30 — Q4 FY26 = Jul–Sep 2026.

Column labels
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Q4 FY26
2026-09-30
Q3 FY26
2026-06-30
Q2 FY26
2026-03-31
Q1 FY26
2025-12-31
Q4 FY25
2025-09-30
Q3 FY25
2025-06-30
Q2 FY25
2025-03-31
Q1 FY25
2024-12-31
Q4 FY24
2024-09-30
Q3 FY24
2024-06-30
Q2 FY24
2024-03-31
Q1 FY24
2023-12-31
Payments volume — All Visa programs ($B)($M)8
4,0073,7283,8683,7333,6193,3463,5243,4093,3273,1733,283
Constant-dollar YoY growth (%)(%)
9.9%8.8%8.0%8.9%8.2%7.5%8.9%7.4%7.2%8.3%8.1%
Nominal USD YoY growth (%)(%)
10.7%11.4%9.8%9.5%8.8%5.4%7.3%6.4%4.9%7.1%8.7%
United States($M)2
1,9401,7881,8351,7761,7641,6541,7201,6491,6521,5611,604
Europe($M)2
871795843826774666714716665621637
Asia Pacific (AP)($M)2
532521539530509489523508491500525
Latin America & Caribbean (LAC)($M)2
292274285254241228242228221213230
Central & Eastern Europe, Middle East & Africa (CEMEA)($M)2
253245250238221212213203190183184
Canada($M)2
1181061171101109611110510695103
Total volume (Payments + Cash) — All Visa programs ($B)($M)8
4,6594,3544,5274,3784,2513,9444,1544,0373,9533,7823,917
Cash volume — All Visa programs ($B)($M)8
652626658645632598630628626609634
VisaNet processed transactions (millions)(M)1
71,66266,08669,40067,65465,44360,65163,79761,51259,31855,45657,472
Processed transactions YoY growth (%)(%)
10.0%9.0%9.0%10.0%10.0%9.0%11.0%10.0%10.0%11.0%9.0%
Cross-border volume YoY growth — Total (%, constant-dollar)(%)2
13.0%12.0%12.0%12.0%12.0%13.0%16.0%13.0%14.0%16.0%16.0%
Cross-border volume YoY growth — Ex-Intra-Europe (%, constant-dollar)(%)
12.0%11.0%11.0%11.0%11.0%13.0%16.0%13.0%14.0%16.0%16.0%
Cross-border volume YoY growth — Total (%, nominal USD)(%)
15.0%21.0%18.0%17.0%16.0%10.0%15.0%13.0%12.0%17.0%20.0%
Payments transactions — All Visa programs (millions)(M)6
86,39579,86983,94582,16379,53273,84477,51775,27972,75268,00470,494
Cash transactions — All Visa programs (millions)(M)6
3,9053,8014,0454,0724,1074,0314,2514,2944,3404,1694,311
Visa cards / credentials in circulation — All programs (millions, 1Q lag)(M)6
5,1975,1245,0204,9304,8934,8424,7064,6064,5594,481
United States(M)
1,6091,5881,5501,5251,5511,5421,4781,4411,4161,380
Europe(M)
736727722706692697684673671659
Asia Pacific (AP)(M)
1,2651,2421,2331,2161,2061,2061,1931,1821,1941,183
Latin America & Caribbean (LAC)(M)
1,007992957940919891866832811798
Central & Eastern Europe, Middle East & Africa (CEMEA)(M)
483478461448431411393386376371
Canada(M)
98989695949592919090
Visa accounts — All programs (millions, 1Q lag)(M)6
4,5324,4624,3904,3154,2764,2464,1654,0844,0573,986
Visa Credit — Payments volume ($B)($M)4
1,9491,8021,8931,8251,7681,6291,7421,6791,6461,5681,646
Constant-dollar YoY growth (%)(%)
10.1%9.0%8.0%8.8%7.2%6.2%7.7%6.4%6.5%7.6%7.9%
Nominal USD YoY growth (%)(%)
10.3%10.6%8.7%8.7%7.4%3.9%5.8%5.0%3.4%5.3%7.6%
United States($M)2
950860905867856785842806807749790
International Subtotal (Ex-U.S.)($M)2
999942989958912845900873839819857
Visa Credit — Total volume ($B)($M)4
2,0141,8621,9561,8881,8281,6851,7991,7371,7021,6251,703
Visa Credit — Cash volume ($B)($M)4
6560626361565758565756
Visa Credit — Payments transactions (millions)(M)2
31,83429,20530,90430,20829,01726,64028,28227,36326,33624,51025,578
Visa Credit — Cash transactions (millions)(M)2
214194206207205190196193197193201
Visa Credit — Cards / credentials (millions, 1Q lag)(M)2
1,6131,5781,5451,5111,4801,4401,3731,3471,3361,325
Visa Credit — Accounts (millions, 1Q lag)(M)2
1,2691,2471,2261,2041,1841,1561,1311,1131,1081,105
Visa Debit — Payments volume ($B)($M)4
2,0581,9271,9751,9081,8511,7171,7821,7301,6801,6051,636
Constant-dollar YoY growth (%)(%)
9.6%8.7%8.1%8.9%9.2%8.8%10.1%8.5%8.0%8.9%8.3%
Nominal USD YoY growth (%)(%)
11.2%12.2%10.8%10.3%10.1%6.9%8.9%7.8%6.4%8.8%9.7%
United States($M)2
990928930908908870878843845812814
International Subtotal (Ex-U.S.)($M)2
1,0689991,045999943847903887835793822
Visa Debit — Total volume ($B)($M)4
2,6452,4922,5712,4902,4222,2592,3552,3002,2512,1582,214
Visa Debit — Cash volume ($B)($M)4
587566596582571542573570570552578
Visa Debit — Payments transactions (millions)(M)2
54,56150,66453,04151,95450,51547,20449,23547,91646,41643,49444,916
Visa Debit — Cash transactions (millions)(M)2
3,6913,6073,8383,8653,9033,8414,0554,1014,1433,9764,110
Visa Debit — Cards / credentials (millions, 1Q lag)(M)2
3,5833,5463,4753,4183,4123,4023,3333,2593,2223,156
Visa Debit — Accounts (millions, 1Q lag)(M)2
3,2633,2163,1643,1113,0923,0913,0342,9722,9492,881
Intra-quarter run-rate (first 3 weeks: 1st–21st/28th) — U.S. payments volume YoY (%)(%)2
9.0%9.0%8.0%7.0%9.0%8.0%8.0%6.0%4.0%4.0%4.0%
Intra-quarter run-rate — U.S. credit payments volume YoY (%)(%)
9.0%10.0%9.0%7.0%9.0%7.0%7.0%6.0%3.0%5.0%4.0%
Intra-quarter run-rate — U.S. debit payments volume YoY (%)(%)
9.0%8.0%6.0%7.0%10.0%9.0%9.0%7.0%4.0%4.0%3.0%
Intra-quarter run-rate (first 3 weeks) — Cross-border volume ex-intra-Europe YoY (%, constant-dollar)(%)2
14.0%9.0%11.0%12.0%13.0%17.0%13.0%13.0%15.0%16.0%
Intra-quarter run-rate — Cross-border e-commerce (CNP ex-travel) YoY (%)(%)
18.0%14.0%12.0%14.0%13.0%13.0%16.0%15.0%
Intra-quarter run-rate — Cross-border travel YoY (%)(%)
12.0%5.0%10.0%11.0%9.0%13.0%17.0%15.0%
Intra-quarter run-rate (first 3 weeks) — Processed transactions YoY (%)(%)
9.0%8.0%9.0%9.0%11.0%12.0%11.0%11.0%9.0%8.0%
Value-Added Services (VAS) revenue ($M)($M)1
3,8003,3003,2003,0002,8002,6002,4002,4002,2002,1002,100
VAS revenue YoY growth (%, constant-dollar)(%)
34.0%27.0%28.0%25.0%26.0%22.0%18.0%22.0%23.0%23.0%20.0%
Commercial & Money Movement Solutions (CMS) revenue YoY growth (%, constant-dollar)(%)2
17.0%24.0%20.0%14.0%13.0%13.0%19.0%14.0%
Commercial payments volume YoY growth (%, constant-dollar)(%)
13.0%11.0%10.0%10.0%7.0%6.0%6.0%5.0%7.0%8.0%8.0%
Visa Direct transactions YoY growth (%)(%)
21.0%23.0%23.0%23.0%25.0%28.0%34.0%38.0%41.0%31.0%20.0%
Visa network tokens provisioned (billions, historical through Q2 FY25)(M)
13.712.611.5
Tap-to-Pay face-to-face penetration — Global (%, historical through Q3 FY25)(%)1
78.0%76.0%74.0%
Tap-to-Pay face-to-face penetration — Global Ex-U.S. (%, historical through Q4 FY24)(%)
82.0%80.0%79.0%
Remaining performance obligations (RPO / contracted backlog, $M)($M)1
5,6005,5005,4004,9004,7004,5004,3004,1003,7003,4003,200
Share of RPO expected to be recognized within 2 years (%)(%)
50.0%50.0%50.0%50.0%50.0%50.0%50.0%50.0%50.0%50.0%50.0%
Maximum daily settlement guarantee exposure during period ($B)($M)6
169169169153153153153137137134133
Average daily settlement guarantee exposure during period ($B)($M)
99.598.198.491.29088.489.784.383.482.383
Total collateral held against settlement risk ($B)($M)
9.509.508.808.808.508.307.907.707.307.206.50
Customer collateral cash assets on balance sheet ($M)($M)
4,3104,2923,7123,6253,6143,5433,5183,5243,4723,3673,164
Customer collateral liabilities on balance sheet ($M)($M)
4,3104,2923,7123,6253,6143,5433,5183,5243,4723,3673,164
Settlement receivable ($M)($M)
2,4002,1363,2124,1914,7784,2443,6834,4542,1283,5582,525
Settlement payable ($M)($M)
3,2773,0484,3374,5686,0384,9964,4255,2652,5764,4853,724
Financial Outlook — Guided Non-GAAP adjustment to Operating Expense YoY growth (ppt, through Q4 FY26 & FY26)(%)5
22.0%18.0%29.5%10.5%0.5%-1.0%15.0%3.5%20.0%
Financial Outlook — Guided Non-GAAP adjustment to Diluted Class A EPS YoY growth (ppt, through Q4 FY26 & FY26)(%)
-15.0%-10.5%-20.5%-6.5%-1.0%0.5%-9.0%-2.0%-9.5%
Financial Outlook — Guided amortization of acquired intangible assets ($M)($M)
65555555554545
Financial Outlook — Guided amortization of acquired intangible assets ($/share)($)
0.030.020.020.020.020.020.02
Financial Outlook — Guided acquisition-related costs ($M)($M)
1515510153030
Financial Outlook — Guided acquisition-related costs ($/share)($)
0.010.0100.010.010.010.01
Net revenue ($M, earnings release tables)($M)8
11,63311,23010,90110,72410,1729,5949,5109,6178,9008,7758,634
Net revenue YoY growth — Constant-dollar (%)(%)
12.0%15.0%13.0%11.0%14.0%11.0%11.0%12.0%10.0%10.0%9.0%
Net revenue YoY growth — Nominal USD (%)(%)
14.0%17.0%15.0%12.0%14.0%9.0%10.0%12.0%10.0%10.0%9.0%
Foreign currency exchange rate impact on Net revenue YoY growth (ppt)(%)
-1.0%-1.0%-1.0%-0.5%0.0%2.0%0.5%0.5%1.0%0.5%0.0%
Service revenue ($M)($M)1
4,9224,9814,7604,6024,3304,3994,2084,1993,9674,0333,915
Service revenue YoY growth (%)(%)
14.0%13.0%13.0%10.0%9.0%9.0%8.0%8.0%8.0%7.0%11.0%
Data processing revenue ($M)($M)1
6,0425,5435,5445,3945,1534,7014,7454,6104,4894,2594,356
Data processing revenue YoY growth (%)(%)
17.0%18.0%17.0%17.0%15.0%10.0%9.0%8.0%9.0%12.0%14.0%
International transaction revenue ($M)($M)1
3,8533,6313,6523,8003,6333,2913,4423,4683,1942,9843,019
International transaction revenue YoY growth (%)(%)
6.0%10.0%6.0%10.0%14.0%10.0%14.0%9.0%9.0%9.0%8.0%
Other revenue ($M)($M)1
1,4961,3201,2141,1761,028937912969780756692
Other revenue YoY growth (%)(%)
45.0%41.0%33.0%21.0%32.0%24.0%32.0%30.0%31.0%37.0%18.0%
Client incentives contra-revenue ($M, discrete Q1–Q4 & FY)($M)5
-4,680-4,245-4,269-4,248-3,972-3,734-3,797-3,629-3,530-3,257-3,348
Client incentives YoY growth (%)(%)
18.0%14.0%12.0%17.0%13.0%15.0%13.0%6.0%11.0%12.0%20.0%
Client incentives — Current asset balance ($M)($M)
2,5232,4732,2802,1582,1982,1751,9921,9181,8211,7401,572
Client incentives — Noncurrent asset balance ($M)($M)
5,8845,5145,5415,1575,0054,7604,6314,6284,1333,9983,941
Client incentives — Current liability balance ($M)($M)
11,42911,57711,28010,36910,0329,6659,2499,0758,5627,9498,034
Client incentives — Cash flow amortization ($M)($M)
4,6804,2454,2694,2483,9723,7343,7973,6293,5303,2573,348
Non-GAAP operating expenses ($M)($M)6
3,8783,5993,3913,6113,3073,0712,9173,1922,9272,8712,619
Non-GAAP operating expenses YoY growth — Constant-dollar (%)(%)
14.0%13.0%14.0%11.0%13.0%8.0%9.0%10.0%12.0%10.0%8.0%
Non-GAAP operating expenses YoY growth — Nominal USD (%)(%)
17.0%17.0%16.0%13.0%13.0%7.0%11.0%11.0%14.0%11.0%7.0%
Foreign currency impact on Non-GAAP operating expenses YoY growth (ppt)(%)
-1.5%-3.0%-1.5%-1.0%0.5%3.0%-1.0%0.0%-0.5%-0.5%1.0%
GAAP operating expenses ($M, reconciliation table)($M)
4,7563,9964,1644,5763,9954,1593,2763,2682,9623,4212,680
Non-GAAP adjustment — Amortization of acquired intangible assets ($M, pre-tax)($M)
6450545454644647484340
Non-GAAP adjustment — Acquisition-related costs ($M, pre-tax)($M)
1436121219323429282621
Non-GAAP net income ($M)($M)3
6,2966,3426,1245,8035,8345,4425,4635,4254,9095,1174,938
GAAP net income ($M, reconciliation table)($M)
5,6286,0215,8535,0905,2724,5775,1195,3184,8724,6634,890
Non-GAAP effective income tax rate (%)(%)
18.4%16.4%18.4%18.8%17.3%16.9%17.7%16.5%18.8%16.0%19.0%
GAAP effective income tax rate (%)(%)
17.6%16.1%13.0%18.2%16.7%15.8%17.4%16.5%18.6%15.4%19.1%
Non-GAAP diluted Class A common stock EPS ($)($)4
3.323.313.172.982.982.762.752.712.422.512.41
Non-GAAP diluted EPS YoY growth — Constant-dollar (%)(%)
10.0%20.0%14.0%10.0%23.0%12.0%16.0%17.0%14.0%21.0%10.0%
Non-GAAP diluted EPS YoY growth — Nominal USD (%)(%)
11.0%20.0%15.0%10.0%23.0%10.0%14.0%16.0%12.0%20.0%11.0%
Foreign currency impact on Non-GAAP diluted EPS YoY growth (ppt)(%)
-0.5%-0.5%-1.0%0.0%0.0%1.5%1.0%1.0%1.5%1.0%-0.5%
GAAP diluted Class A common stock EPS ($)($)
2.973.143.032.622.692.322.582.652.402.292.39
Free cash flow — Management Non-GAAP definition ($M, Operating cash flow less CapEx)($M)4
6,1372,6256,4025,8496,3094,3685,0516,3554,7344,2573,347
Cash provided by operating activities ($M, presentation table)($M)
6,5543,0086,7806,2386,7304,6955,3966,6645,1344,5383,614
Additions to property, equipment and technology ($M, presentation table)($M)
417383378389421327345309400281267
Share repurchases cash outflow ($M, presentation slide)($M)
4,8787,8943,7654,9444,8284,4733,9405,7944,7702,7353,359
Dividends paid ($M, presentation slide)($M)
1,2731,2861,2931,1461,1541,1641,1701,0411,0561,0601,060
Quarterly & annual open-market share repurchases — Shares retired (millions, XBRL Note)(M)2
1425111414131322171015
Quarterly & annual open-market share repurchases — Average price paid ($/share)($)
331321342349340301277280238
Remaining share repurchase authorization at period-end ($B, XBRL Note)($M)
28.413.221.124.929.84.709.1013.118.923.626.4
Total diluted shares outstanding on an as-converted basis (millions)(M)9
1,8801,8941,9181,9301,9451,9591,9721,9832,0072,0252,034
Class A common stock outstanding (millions)(M)
1,7021,6601,6831,6911,7021,7151,7261,7331,6781,5741,582
Class B-1 common stock outstanding (millions)(M)
255555555245245
Class B-2 common stock outstanding (millions)(M)
0120120120120120120120120
Class C common stock outstanding (millions)(M)
18999999102799
Conversion rate — Class B-1 common stock into Class A (x, through Q4 FY26 Sept 18, 2026)(×)
1.541.541.551.551.551.561.561.571.571.591.591.59
Conversion rate — Class B-2 common stock into Class A (x, through Q4 FY26 Sept 18, 2026)(×)
1.491.501.511.511.521.531.531.541.541.59
Conversion rate — Class C common stock into Class A (x)(×)
4.004.004.004.004.004.004.004.004.004.004.00
Conversion rate — Series B convertible preferred stock into Class A (x)(×)
0.580.600.600.671.001.001.001.002.702.902.90
Conversion rate — Series C convertible preferred stock into Class A (x)(×)
0.710.720.720.761.781.781.781.793.613.633.63
U.S. litigation escrow account balance (restricted cash equivalents, $M)($M)5
8886653,3002,9902,6962,9263,1123,0891,5961,5841,616
Accrued litigation liability on balance sheet ($M)($M)
1,2749813,4063,0332,3522,0761,6491,7271,6881,8531,471
Accrued litigation — U.S. covered litigation ($M)($M)
8226153,1982,6982,2551,9761,5641,5371,5571,5461,461
Accrued litigation — Visa Europe covered litigation ($M)($M)
892159663587225126
Litigation provision expense ($M)($M)
2533297089036151,0004410134309
MDL 1720 interchange class action — Share of U.S.-brand sales volume settled (%)(%)
95.0%94.0%87.0%82.0%82.0%79.0%74.0%73.0%73.0%73.0%73.0%
U.S. commercial bank credit card & revolving plans loans ($B, SA, Federal Reserve H.8, through Oct 2026)4
U.S. commercial bank credit card interest rate — All accounts (%, NSA, Fed G.19, through Q4 FY26)(%)
21.2%20.9%21.0%21.0%21.4%21.2%21.4%21.5%21.8%21.5%21.6%21.5%
U.S. commercial bank credit card interest rate — Accounts assessed interest (%, NSA, Fed G.19, through Q4 FY26)(%)
22.4%22.2%21.5%22.3%22.8%22.3%21.9%22.8%23.4%22.8%22.6%22.8%
U.S. commercial bank credit card delinquency rate (%, SA, Federal Reserve)(%)
2.9%2.9%3.0%3.0%3.0%3.1%3.1%3.2%3.2%3.2%3.1%
U.S. commercial bank credit card net charge-off rate (%, SA, Federal Reserve)(%)
3.8%3.8%4.1%4.2%4.2%4.4%4.6%4.7%4.6%4.4%4.2%
U.S. advance retail & food services monthly sales ($M, SA, U.S. Census Bureau, through Sep 2026)2
U.S. quarterly retail e-commerce sales ($M, SA, U.S. Census Bureau)($M)
340,244327,861317,999310,817303,284297,701300,329295,249288,822283,038276,781
U.S. e-commerce share of total retail sales (%, SA, U.S. Census Bureau)(%)
17.1%17.0%16.7%16.4%16.3%16.0%16.2%16.2%16.1%15.9%15.5%
Net revenue ($M)($M)8
11,63311,23010,90110,72410,1729,5949,5109,6178,9008,7758,634
Service revenue ($M)($M)
4,9224,9814,7604,6024,3304,3994,2084,1993,9674,0333,915
Data processing revenue ($M)($M)
6,0425,5435,5445,3945,1534,7014,7454,6104,4894,2594,356
International transaction revenue ($M)($M)
3,8533,6313,6523,8003,6333,2913,4423,4683,1942,9843,019
Other revenue ($M)($M)
1,4961,3201,2141,1761,028937912969780756692
Client incentives contra-revenue ($M, DB XBRL Q1–Q3 & FY)($M)
-4,680-4,245-4,269-3,972-3,734-3,797-3,530-3,257-3,348
Value-Added Services revenue ($M, DB XBRL)($M)
3,8003,3003,2003,1002,8002,6002,4002,4002,2002,1002,100
Revenue by geography — United States ($M)($M)
4,4104,3194,1634,1573,9273,8113,7383,8713,6213,6433,645
Revenue by geography — International ($M)($M)
7,2236,9116,7386,5676,2455,7835,7725,7465,2795,1324,989
Operating income ($M)3
Operating expense — Personnel ($M, XBRL)($M)
2,4581,8411,7641,7421,7491,6571,8131,6091,5731,6031,479
Operating expense — Network and processing ($M, XBRL)($M)
280260233239224224207208200189181
Operating expense — Professional fees ($M, XBRL)($M)
246238208256187173143192152160131
Total assets ($M)1

Italic numbers are calculated by StockData from reported figures (hover for the formula). Numbers with a dotted underline are read from the text of earnings releases and presentations; hover to see the exact sentence. Tick a row to add it to the chart above (up to 8 lines).

Methodology and excluded metrics
  • Latest completed financial quarter: Q3 FY26 (ended June 30, 2026; Form 10-Q and Operational Performance Data filed July 29, 2026); latest completed fiscal year: FY2025 (ended September 30, 2025; Form 10-K filed November 6, 2025).
  • Forward & pre-released Q4 FY26 / FY26 columns: include Q4 FY26 intra-quarter operational run-rates through July 21, 2026 (Q3 FY26 earnings call) and August 31, 2026 (Sept 8, 2026 Goldman Sachs Communacopia conference), Q4 FY26 & Full-Year FY26 Financial Outlook reconciliation items, the September 18, 2026 Form 8-K U.S. litigation escrow deposit ($405M) and Class B-1/B-2/B-3 conversion rate adjustments, and Federal Reserve / U.S. Census / BEA payment & consumer credit benchmarks through October 2026.
  • Cards and accounts in Visa's Operational Performance Data (OPD) are reported by Visa on a one-quarter lag (latest reported period in the Q3 FY26 OPD schedule is Q2 FY26: 4,957M cards and 4,581M accounts).
  • Statutory subsidiaries: self-reported audited annual accounts from UK Companies House for Visa Europe Limited (05139966, UK-adopted IFRS, €M & headcount, FY2020–FY2025) and The Currency Cloud Limited (06323311, £M & headcount, FY2022–FY2025). Under U.S. GAAP, Visa Inc. omits parent-only Schedule I financial statements in Form 10-K, so no consolidated − parent subtraction is performed.
  • Every narrative, slide, and table figure extracted via `parse_sec.py` is paired with an exact verbatim quote verified by `lib/quotes.py` (`number_in(quote, val, allow_bound=False)`). Bound figures ('over 17.5B tokens', 'more than 50%', 'crossed 10B', 'over 80% tap-to-pay') are excluded from numeric cells and documented in row notes and `Plan.md`.
  • Only the 2 permitted period-split derivations (`Q4 = full year (10-K) − nine months (10-Q)` and `quarter = year-to-date − previous year-to-date (cash flow statement)`) are displayed in italic with the formula.

Data updated 2026-10-24.

Every KPI on its own page

Full history, chart, sources and a citation for each metric

Core Payment Network Volumes, Transactions & Credentials (OPD)

Visa Credit vs. Visa Debit Program Breakdown by Region (OPD)

Growth Pillars (VAS, CMS, Visa Direct, Tokens) & Intra-Quarter Run-Rates (incl. Forward Q4 FY26)

Backlog (RPO), Settlement Guarantee Risk Exposure & Financial Outlook (incl. Forward Q4 FY26 & FY26)

Disaggregated Revenue, Client Incentives & GAAP vs. Non-GAAP Reconciliation

Monthly Share Repurchases, Free Cash Flow, Multi-Class Share Structure & Litigation Escrow

Property, Equipment & Technology Breakdown, Workforce & Global Facilities (Form 10-K)

Data Center PUE, Energy, GHG Emissions, Water & Waste (2025 Sustainability Report, FY2019–FY2025)

Self-Reported Statutory Subsidiaries (Visa Europe Limited & The Currency Cloud Limited, UK Companies House)

External Payments, Consumer Credit & Retail Spending Benchmarks (Fed G.19/H.8, Census, BEA — through Oct 2026 / Q4 FY26)

Financial & Segment Context (from the financial database)