Stock Analysis
VISA Inc.V
P/E 33.27×· 5Y range 27.63–52.59×· 27th percentile of history
Sector: Financial Services · Industry: Credit Services
AnalystsStrong Buy51 analystsP/E 33.3× sits at the 27th percentile of its 5.0978781656399725-year history.
Cash covers 58% of debt · Q3 2026.
PMP Verdict
High quality, fairly valued
Strengths
- Profitability100
- Growth85
Strong fundamentals at a reasonable valuation.
Bull Case
- ✓Altman Z 9.6 — safe-zone balance sheet
- ✓ROE 64.2% — efficient capital deployment
- ✓Revenue CAGR 13.5% — durable top-line growth
- ✓Interest coverage 24.7× — debt well covered
What's happening with V
Profile
Strong profitability, moat, growth and earnings quality; valuation lags behind.
How is each axis scored?
- Valuation35/100 · Weak
- P/E vs own history (27th pct)20/25
- FCF yield (2.8%)5/25
- P/S (17.0x)5/25
- EV/EBIT (28.3x)5/25
- Growth85/100 · Strong
- Revenue CAGR (13.5%)20/25
- Net income CAGR (13.0%)20/25
- EPS CAGR 5Y (17.3%)20/25
- Fwd implied growth (37.5%)25/25
- Profitability100/100 · Strong
- ROIC (47.1%)25/25
- ROE (64.2%)25/25
- Net margin (50.8%)25/25
- Operating margin (60.7%)25/25
- Financial Health68/100 · Moderate
- Altman Z (9.55)25/25
- Current ratio (0.99)6/25
- Interest coverage (24.7x)25/25
- Net cash / debt (D/A 11%)12/25
- Quality82/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.45)20/25
- FCF conversion (93%)22/25
- Margin stability (σ 3.8%)25/25
- Moat100/100 · Strong
- ROIC >12% years (9/9 yrs)25/25
- Median gross margin (64.5%)25/25
- FCF-positive years (9/9 yrs)25/25
- Worst-year net margin (worst 36.5%)25/25
About VISA Inc.
Visa is the largest payment processor in the world. Show more
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.
Headquarters: SAN FRANCISCO, CA · Employees: 34,100 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
35DP/E (TTM)33.2xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 27.6x–52.6x · 27th pct
P/FCF35.3xC
Grade C: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield2.8%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.2%–3.8% · 15th pct
P/S (TTM)16.96xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 14.3x–25.2x · 19th pct
EV/EBIT28.3xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 22.7x–39.3x · 46th pct
EV/Sales16.9xD
Grade D: Very expensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E24.2xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio21.45xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.42C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.67%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio22.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
100A+ROIC47.1%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE64.2%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA23.4%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin50.8%A
Grade A: HighNet Income / Revenue
Operating Margin60.7%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin60.7%A
Grade A: PremiumGross Profit / Revenue
FCF Margin47.2%A
Grade A: HighFCF / Revenue
True FCF Margin45.2%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
85ARevenue CAGR13.5%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR13.0%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)17.3%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth37.5%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-23.7%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income4.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue2.1%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
68BAltman Z-Score9.55A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.99xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.91xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage24.7xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.5yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.4xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.68xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.58xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
82APiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.45A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion93.0%A
Grade A: StrongFCF / Net Income
Margin Stability3.8%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue3.5%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.46xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MCINERNEY RYAN Filed | MCINERNEY RYAN | Option exercise | -5875 | |
MCINERNEY RYAN Filed | MCINERNEY RYAN | SellOpen market sale | -5875 | |
MCINERNEY RYAN Filed | MCINERNEY RYAN | Option exercise | +5.9K | |
ROTTENBERG JULIE B Filed | ROTTENBERG JULIE B | Option exercise | -1867 | |
ROTTENBERG JULIE B Filed | ROTTENBERG JULIE B | SellOpen market sale | -1867 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
ROTTENBERG JULIE B Filed | ROTTENBERG JULIE B | Option exercise | +1.9K | |
MCINERNEY RYAN Filed | MCINERNEY RYAN | Option exercise | -5875 | |
MCINERNEY RYAN Filed | MCINERNEY RYAN | SellOpen market sale | -5875 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
100A+ROIC >12% Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)64.5%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor36.5%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$12.10
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$7.76
Cash & short-term investments per share (Finnhub)
Book Value / Share$19.80
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$23.86B
Total debt obligations (short + long term)
Cash & Equiv.$13.79B
Cash and short-term investments
Net Debt$10.07B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$35.18B
Shareholders' equity (book value)
Asset / Liability1.59xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$754.51B
Current Market Capitalization
Beta0.82B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: VISA Inc. (V)
V is up 0.72% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for VISA Inc.. Altman Z-Score of 9.55 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.45 suggests a low likelihood of earnings manipulation.
- VISA Inc. converts about 47% of revenue into free cash flow — strong cash generation.
- Takes ~0.5 years to repay net debt from free cash flow.
- Return on equity of 64.2% is well above the market average.
See how V ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all V moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 9 | Regular | 386.36 | +3.00% | 2.67 |
| Oct 9 | After-hours | 385.60 | +2.80% | 2.49 |
| Oct 5 | Regular | 369.37 | +2.42% | 2.65 |
| Oct 5 | After-hours | 369.16 | +2.36% | 2.59 |
| Sep 24 | After-hours | 367.68 | +1.70% | 2.02 |
Frequently Asked Questions about V
What is the current VISA Inc. (V) stock price?
V is trading at $402.61 at the last market close, up 0.72% on the session. PreMarketPrice tracks V pre-market, intraday and after-hours prices.
Is V stock a buy right now?
PreMarketPrice's quantitative model rates VISA Inc.'s financial health at 68/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is V stock overvalued?
VISA Inc. trades at a trailing P/E of 33.2 and our valuation score rates it 35/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does VISA Inc. report earnings?
No confirmed earnings date is currently scheduled for V. The Earnings section lists recent reports and updates as dates are announced.
What sector does VISA Inc. operate in?
VISA Inc. operates in the Financial Services sector, within the Credit Services industry. The Related Stocks section lists sector peers for comparison.
What does VISA Inc. do?
Visa is the largest payment processor in the world.
About VISA Inc. (V) Stock
VISA Inc. (V) is a US-listed stock operating in the Financial Services sector, specifically the Credit Services industry. As of the latest update, VISA Inc. is trading at $402.61, up 0.72% on the day with a market capitalization of $754.5 billion. The financial health score for V is 68/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for V stock.
V Stock Analysis & Key Metrics
On PreMarketPrice, you can track VISA Inc. (V) across multiple dimensions:
- Pre-market price & movement: Real-time V stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for V with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for VISA Inc. across multiple reporting periods.
- Financial health score: A composite score of 68/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for V.
- Sector peers: Compare V against 6 other financial services stocks on key financial metrics.
Is V a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate VISA Inc. (V) as an investment. The financial health score of 68/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.VISA Inc. (V) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.