←
Loading live data…
$V$422.59 ▼3.2%
Visa Inc.
WHAT THEY DO
Visa operates the world's largest electronic payments network, connecting cardholders, merchants, and financial institutions. It earns fees on every transaction processed over its network rather than lending money itself.
💎 CONVERGENCE PLAY — in 2 themes
Digital PaymentsCash-to-Card ConversionValue-Added Services
PRICE
Loading…
REVENUE MIX
Service Revenue43%
Data Processing38%
International Transactions14%
Other5%
COST
COGS2%
R&D4%
SG&A20%
Op Margin64%
FINANCIAL HEALTH
Reported through Sep 30, 2026
Figures are trailing twelve months (TTM) unless marked otherwise.
REVENUE
$45.9B
Growth
13%
QTR YOY
Gross M.
98%
P/E
34.3
EV/EBITDA
24.2
Net M.
51%
FCF M.
46%
D/E
0.61
LATEST QTR
Op M.
64%
PLUG INTO YOUR DCF
Historical growth
12.9%
Analyst 5y growth
—
Forward P/E
24.7
PEG ratio
2.00
Trailing EPS
$12.30
Forward EPS
$17.10
Multiple compressing
Forward P/E is lower than trailing — earnings are expected to grow into the price.
CAPEX & R&D — LAST 0 FISCAL YEARS (SEC FILINGS)
Loading…
TAM
SIZE
$20T+ annual global payment volume
CAGR
7%
Visa addresses the enormous global payments flow, most of which is still cash and check. As commerce digitizes and cross-border volumes grow, Visa captures a small toll on a massive and expanding base.
RISK ASSESSMENT
HIGRegulatory and legislative pressure on interchange and network fees, plus antitrust scrutiny of credit card routing
MEDCompetition from real-time account-to-account payment rails and stablecoin settlement that could bypass card networks
LOWCyclical slowdown in consumer spending and cross-border travel volumes
🐂 BULL
Visa is a near-monopoly toll booth on global commerce with 98% gross margins, 64% operating margins, and 51% net margins, generating enormous free cash flow returned via buybacks and dividends.
🐻 BEAR
At 34x earnings and 25x EV/EBITDA, Visa is priced for perfection while regulatory threats and alternative payment rails could compress its take rate over time.
EARNINGS
EPS · Q4 2026
Beat ✓
REVENUE
Beat ✓
MANAGEMENT TONE
BearishBullish
🔗 IMPACT ON YOUR THESIS
Durable network moat with 98% gross margins and 64% operating margins
On Track→On Track
Margins held near record levels
Cash-to-card conversion and cross-border volume growth drive mid-teens revenue growth
On Track→On Track
Cross-border volumes remained resilient
Value-added services (fraud, analytics, tokenization) expand the revenue mix
Watch→Watch
Services growth solid but mix shift still early
AI-powered data, computed by TreasureX · May contain inaccuracies
⚠️
All values, scores, and figures here are computed from your own assumptions and public data, for educational purposes only. This is not investment advice — TreasureX does not recommend buying or selling any security. Results change with your inputs. Please do your own research and use your own judgement before making any investment decision.