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VISA Inc.

Visa is the largest payment processor in the world. In fiscal 2025, it processed almost $17 trillion in total volume. Visa operates in over 200 countries and pr...

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VISA Inc.
V SERVICES-BUSINESS SERVICES, NEC · Market Cap: $689B
$366.12 ▲ +0.99%
+$3.59 today · as of 29 Jul 2026
69 S.I.F.T
S.I.F.T.™ Analysis
Amber
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Adequate quality – monitor closely.
Last updated: 29 Jul 2026 · Confidence: 70%
Pillar Breakdown
🛡 Safety 58
Decent financial position but faces notable competition.
💰 Income 60
High cyclicality and lack of recurring revenue are limiting stability.
📊 Fundamentals 75
Strong growth but valuation is elevated.
⏱ Time 85
Shorter track record or weaker tailwinds.
🧠 Munger Reality Filter HOLD

Visa maintains a wide economic moat through its dominant global payment network, unmatched scale, and high switching costs for merchants and banks.

Strengths: Strong ROE of 23.39% reflecting efficient capital use, High time-in-market score of 85 demonstrating long-term resilience, Massive scale with $17T processed volume and 65k TPS capacity
Risks: Elevated debt-to-CFO ratio of 2.61 indicating leverage pressure, Zero warchest percentage suggesting limited cash reserves for downturns, Low dividend yield of 0.74% offering minimal income support
📈 Price History

Business Overview

Visa is the largest payment processor in the world. In fiscal 2025, it processed almost $17 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
Key Metrics
ROE (10yr)
23.4%
Debt / CFO
N/A
Div. Yield
0.00%
FCF Growth
0.0%

FAQ

Financial Details

Recent Quarters
Quarter Revenue Gross Profit EPS
No quarterly data available.
Segment Breakdown
Data Center 56%
Client 28%
Gaming 9%
Embedded 7%

Analyst Reviews & Risks

Wall Street Consensus
4.6
out of 5 (Strong Buy)
Average Target: $485.00
Key Investment Risks
  • Elevated debt-to-CFO ratio of 2.61 indicating leverage pressure
  • Zero warchest percentage suggesting limited cash reserves for downturns
  • Low dividend yield of 0.74% offering minimal income support
Ownership & Sentiment

Institutional Ownership: N/A%

Short Interest: N/A%

AI Investment Thesis
  • Visa maintains a dominant global payments network with unparalleled scale and brand recognition, processing trillions in transaction volume annually.
  • High-margin, asset-light business model generates recurring revenue from transaction fees with strong operating leverage and free cash flow conversion.
  • Secular tailwinds from the ongoing shift to digital and contactless payments, particularly in emerging markets where cash usage remains high.
  • Robust network effects and switching costs create significant barriers to entry, supporting pricing power and long-term market share stability.
  • Diversified revenue streams across consumer, commercial, and value-added services, with opportunities for expansion into new verticals like B2B payments.
Key Catalysts & Risks
Catalysts
  • Accelerated adoption of contactless and mobile payments post-pandemic
  • Expansion into underpenetrated emerging markets and cross-border commerce recovery
  • Growth in value-added services such as tokenization and data analytics
Risks
  • Regulatory scrutiny and potential antitrust actions in key markets like the US and EU
  • Intense competition from Mastercard, fintech disruptors, and alternative payment rails
  • Macroeconomic slowdowns reducing consumer and business spending volumes
Peer Comparison
Company P/E Rev Growth Gross Margin ROE Debt/Equity
NVDA N/A N/A% N/A% 61.51% 0.51
INTC N/A N/A% N/A% -5.53% 6.65
AVGO N/A N/A% N/A% 16.36% 2.72
AMD N/A N/A% N/A% 6.29% 1.78
  • ...

    Investors

     0

  • Ticker

     V
  • ...

    Sector

     SERVICES-BUSINESS SERVICES, NEC

  • Current Price

     $366.12

  • S.I.F.T. Score

     69
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