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Visa Inc. (V) stock analysis

VNYSEServices-Business Services, NECFiscal year ends September 30
Financials through Q4 FY2026, quarter ended Sep 30, 2026Last filing: 10-K on Nov 5, 2026Score 12/3096% above fair value
$425.55+2.55 (+0.60%)

Close on Nov 11, 2026Market cap $759.36BP/E –Yield 0.16%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth3Performance2Health3Dividend4

Mixed12 of 30 checks passed

Visa passes 12 of the 30 checks behind our score; 11 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
3/6
Past performance
2/6
Financial health
3/6
Dividend
4/6

What stands out

  • Earnings grew over 5 years

    Net income grew 13.8% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 12.0% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 17.2% over the last twelve months, against a 5-year average of 13.8% a year.

  • Interest well covered

    Operating income covers interest expense 37.1 times.

What to watch

  • Margin of safety under 20%

    The price is 96.0% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $425.55 is above our fair value estimate of $217.13.

  • P/S above the industry

    Visa's price-to-sales of 16.54 is above the Miscellaneous Business Services median of 1.67 (book value is negative, so we use sales).

  • Net margin below its 5-year average

    Net margin was 51.2% over the last twelve months, against a 5-year average of 52.0%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/S above the industry

    Visa's price-to-sales of 16.54 is above the Miscellaneous Business Services median of 1.67 (book value is negative, so we use sales).

  • Trading above fair value

    The share price of $425.55 is above our fair value estimate of $217.13.

  • Margin of safety under 20%

    The price is 96.0% above fair value, so there is no margin of safety.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 12.0% a year over the last three fiscal years.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth accelerating

    Net income grew 17.2% over the last twelve months, against a 5-year average of 13.8% a year.

  • Growing faster than the industry

    Revenue grew 14.8% over the last twelve months; the Miscellaneous Business Services median is 9.9%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance2/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings grew over 5 years

    Net income grew 13.8% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 51.2% over the last twelve months, against a 5-year average of 52.0%.

  • Net margin above the industry

    Visa's net margin of 51.2% is above the Miscellaneous Business Services median of 3.8%.

Financial health3/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 108% of total debt.

  • Interest well covered

    Operating income covers interest expense 37.1 times.

  • Short-term assets don't cover short-term debts

    Current assets are 0.97 times current liabilities.

  • Low bankruptcy risk

    The Altman Z-score is 9.48; above 3 is the safe zone and below 1.8 the distress zone.

Dividend4/6

  • Pays a dividend

    Visa paid dividends worth 0.6% of the share price over the last twelve months.

  • Yield below Treasuries

    The 0.6% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Visa yields 0.6%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 9 fiscal years.

  • Covered by earnings

    Dividends take 21.7% of net income.

  • Covered by free cash flow

    Dividends take 23.2% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$217.13

The share price is 96% above this estimate.

20%+ below
Near fair value
20%+ above
$425.55Price$217.13Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
EV/EBITDA15.7×–15.7×$254.0670%
Earnings power9.0% cost of equity––$130.9730%
Fair value$217.13100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$2.68B
Value traded per 1% price move
$2.48B

Downside

Low risk

Typical loss in a bad month
7.6%
Volatility (annualized)
23%
Sharpe ratio, 1 year
0.99
Beta to the S&P 500 (5Y)
0.82

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2026

Operating margin

61.2%−4.3 pts over 5 years

Net margin

51.2%+0.1 pts over 5 years

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