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Visa

NYQ:V · US92826C8394
Diversified Financial ServicesXX-Large

360

32
Medium confidence — indicative
EV / EBIT21
Price / Owner Earnings30
Owner Earnings Yield27
Dividend Yield81
Price/Sales3
EV / Gross Profit7
Price/Book5
Returns on capital92
Profit margins100
Cash Conversion17
Accruals38
Owner Earnings Margin99
Sales growth68
Profit Growth100
Long-Term EPS Growth66
Owner Earnings Growth51
Reinvestment34
Price momentum55
Debt load54
Debt serviceability7
Liquidity92
Analyst ratings91
Opinion Changes50
Price Target Upside27
Market mood99
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Visa generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryDiversified Financial Services
SizeXX-Large
TypePublic Company
ExchangeNYSE
Founded2007
Employees34,880
Websiteusa.visa.com
ISINUS92826C8394
Last UpdateApr 2, 2026
Indices
Dow Jones (USA)S&P 500 (USA)
Themes
Payment Facilitator EnablersElectronic Money Institutions (EMIs)Anti-FraudFintechAuthenticationOnline PaymentsData ProtectionCredit CardsSmart CardsRegTechFinanceFinancial ServicesMobile PaymentsPayments

Description

Visa Inc. (Visa) operates as a global payments technology company that facilitates secure, reliable, and efficient global commerce and money movement. The company provides transaction processing services, primarily authorization, clearing, and settl…

Analysis

Hope premium

Visa Inc. is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is expensive. The owner-earnings multiple stands at 27.3×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 10% a year, against analyst forecasts of 13%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is sturdy. The company scores 18/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
77
2023202420252026

All-time high

100

Jun 2023

All-time low

37

Mar 2026

Average rank

70

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
3
1
3
5
Price/Earnings
15
20
32
31
Price/Book
5
8
12
22
Dividend Yield
81
72
75
78
Value (overall)
17
12
15
11

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →