V Visa Inc. - Fundamental Analysis
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V Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Credit Services
Current Price
Live
$328.3
Analyst Target
$398.77
+21.5%
Upside
52W High
$375.51
52W Low
$299.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$633.59B
P/E
32.22
ROE
52.1%
Profit margin
50.1%
Debt/Equity
0.69
Dividend yield
0.82%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
75%
Analysis Accuracy
Visa's Piotroski F-Score of 6/9 indicates stable financial health, while the absence of an Altman Z-Score prevents a full distress risk assessment. The company exhibits exceptional profitability with ROE of 52.07%, gross margin of 97.77%, and consistent revenue growth of 11.50%, but trades at a premium valuation (P/E 32.22 vs sector avg 24.40) with recent earnings stagnation (YoY EPS growth -1.40%). Insider selling activity and bearish technical trend contrast with strong analyst consensus (strong_buy) and solid historical earnings beats. Despite high-quality fundamentals, the current price appears richly valued relative to intrinsic benchmarks.
Key Strengths
Exceptional profitability metrics: 50.14% profit margin, 65.75% operating margin, and 97.77% gross margin reflect dominant pricing power.
Strong return ratios: 52.07% ROE and 17.26% ROA significantly outperform sector averages (23.50% and ~10% respectively).
Consistent revenue growth: 11.50% YoY revenue growth in a mature industry shows durable top-line momentum.
Solid balance sheet: Debt/Equity of 0.69 is below sector average of 1.05, indicating conservative leverage.
High analyst conviction: 37 analysts rate it as strong_buy, suggesting strong forward confidence despite near-term headwinds.
Key Risks
Earnings contraction: -1.40% YoY and -4.30% Q/Q earnings growth raise concerns about near-term profitability pressure.
Rich valuation: P/E of 32.22 is significantly above sector average (24.40) and forward P/E of 22.76 still implies high expectations.
Bearish insider activity: 7 sell transactions totaling $21.06M with zero buys signal lack of confidence from corporate insiders.
Technical downtrend: Recent price performance shows weakness with -5.6% over 6M and -6.1% over 1W, indicating negative momentum.
Missing key financial data: Absence of Altman Z-Score, ROIC, cash/debt figures, and free cash flow limits comprehensive risk assessment.
AI Fair Value Estimate
Based on comprehensive analysis
$360.0
+9.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
52
65
80
70
40
AI Verdict
Moderately positive with valuation and earnings headwinds
Key drivers: High profitability and revenue growth, Premium valuation multiples, Recent earnings decline, Strong analyst support, Bearish insider and technical signals
Confidence
78%
Value
52/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 22.76 is more reasonable than current P/E of 32.22
- Intrinsic value estimate ($71.33) is outdated; current earnings justify higher multiple
Watchpoints
- Current P/E of 32.22 is stretched vs sector and historical norms
- Price/Sales of 15.84 is extremely high, indicating overvaluation risk
Future
65/100
Ref Growth rates
Positives
- 11.50% YoY revenue growth indicates continued market expansion
- Analyst target price of $398.77 implies 21% upside
Watchpoints
- Earnings declining YoY (-1.40%) and Q/Q (-4.30%)
- PEG Ratio unavailable, but growth not currently supporting premium P/E
Past
80/100
Ref Historical trends
Positives
- 24 out of 25 quarters beat EPS estimates, demonstrating consistent execution
- Long-term EPS growth trend is strong with 12.5% YoY growth in latest report
- 5-year price return of +68.8% outpaces most peers
Watchpoints
- Most recent Q/Q EPS growth flat at 0.0%, signaling potential slowdown
Health
70/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 6/9 indicates stable financial condition
- Debt/Equity of 0.69 is conservative for the sector
- Current ratio of 1.08 shows short-term liquidity adequacy
Watchpoints
- Quick ratio of 0.76 is below 1.0, indicating limited liquid assets to cover short-term liabilities
- Altman Z-Score missing, creating uncertainty in bankruptcy risk assessment
Dividend
40/100
Ref Yield, Payout
Positives
- Low payout ratio of 23.14% provides room for future increases
- Dividend has been consistently paid, though not aggressively growing
Watchpoints
- Dividend Strength score of 25/100 reflects weak yield (0.82%)
- No 5-year average yield data, suggesting limited dividend history or consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$328.3
Analyst Target
$398.77
Upside/Downside
+21.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for V and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
V
Visa Inc.
Primary
|
+68.8% | +50.6% | +4.2% | -5.6% | -4.7% | -6.1% |
|
MA
Mastercard Incorporated
Peer
|
+70.3% | +46.4% | +3.7% | -2.1% | -4.5% | -6.3% |
|
JPM
JPMorgan Chase & Co.
Peer
|
+157.1% | +138.3% | +25.4% | +8.3% | -0.3% | -5.1% |
|
BAC
Bank of America Corporation
Peer
|
+87.3% | +61.9% | +14.1% | +7.9% | -8.1% | -2.4% |
|
MS
Morgan Stanley
Peer
|
+195.8% | +115.6% | +43.1% | +36.0% | +8.2% | +1.5% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
32.22
Forward P/E
22.76
PEG Ratio
N/A
P/B Ratio
16.94
P/S Ratio
15.84
EV/Revenue
15.91
EV/EBITDA
22.7
Market Cap
$633.59B
Profitability
Profit margins and return metrics
Profit Margin
50.14%
Operating Margin
65.75%
Gross Margin
97.77%
ROE
52.07%
ROA
17.26%
Growth
Revenue and earnings growth rates
Revenue Growth
+11.5%
Earnings Growth
-1.4%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-4.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.69
Moderate
Current Ratio
1.08
Good
Quick Ratio
0.76
Poor
Cash/Share
$9.92
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
2025-10-28
$2.98
+0.3% surprise
2025-07-29
$2.98
+4.7% surprise
2025-04-29
$2.76
+3.0% surprise
Financial Services Sector Comparison
Comparing V against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
32.22
This Stock
vs
30.37
Sector Avg
+6.1%
(Premium)
Return on Equity (ROE)
52.07%
This Stock
vs
-7.62%
Sector Avg
-783.2%
(Below Avg)
Profit Margin
50.14%
This Stock
vs
82.75%
Sector Avg
-39.4%
(Weaker)
Debt to Equity
0.69
This Stock
vs
1.48
Sector Avg
-53.4%
(Less Debt)
Revenue Growth
11.5%
This Stock
vs
28.35%
Sector Avg
-59.4%
(Slower)
Current Ratio
1.08
This Stock
vs
3.81
Sector Avg
-71.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
V
Visa Inc.
|
NEUTRAL | $633.59B | 32.22 | 52.1% | 50.1% | $328.3 | |
|
MA
Mastercard Incorporated
|
NEUTRAL | $487.71B | 34.52 | 184.9% | 45.3% | $539.49 | |
|
JPM
JPMorgan Chase & Co.
|
NEUTRAL | $850.63B | 15.62 | 16.1% | 33.9% | $312.47 | |
|
BAC
Bank of America Corporation
|
NEUTRAL | $377.69B | 13.79 | 10.2% | 28.4% | $51.72 | |
|
MS
Morgan Stanley
|
NEUTRAL | $301.85B | 19.39 | 15.7% | 24.0% | $189.09 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-02 | MCINERNEY RYAN | Chief Executive Officer | Sale | 10,485 | $3,661,152 |
| 2026-01-02 | MCINERNEY RYAN | Chief Executive Officer | Option Exercise | 10,485 | $1,151,463 |
| 2025-12-11 | MCINERNEY RYAN | Chief Executive Officer | Sale | 10,485 | $3,565,636 |
| 2025-12-11 | ROTTENBERG JULIE B | General Counsel | Sale | 2,027 | $699,315 |
| 2025-12-11 | MCINERNEY RYAN | Chief Executive Officer | Option Exercise | 10,485 | $1,151,463 |
| 2025-12-11 | ROTTENBERG JULIE B | General Counsel | Option Exercise | 2,027 | $222,605 |
| 2025-12-04 | MAHON TULLIER KELLY | Officer | Gift | 1,535 | - |
| 2025-12-02 | FABARA PAUL D | Officer | Sale | 7,556 | $2,504,436 |
| 2025-12-02 | TANEJA RAJAT | Officer | Sale | 23,743 | $7,838,626 |
| 2025-11-28 | MAHON TULLIER KELLY | Officer | Stock Award | 27,786 | - |
| 2025-11-28 | MCINERNEY RYAN | Chief Executive Officer | Stock Award | 52,098 | - |
| 2025-11-28 | ROTTENBERG JULIE B | General Counsel | Stock Award | 9,648 | - |
| 2025-11-28 | FABARA PAUL D | Officer | Stock Award | 15,437 | - |
| 2025-11-28 | TANEJA RAJAT | Officer | Stock Award | 48,239 | - |
| 2025-11-21 | FABARA PAUL D | Officer | Sale | 2,172 | $707,917 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
37 analysts
B of A Securities
2025-12-11
Neutral
Buy
HSBC
2025-12-08
Hold
Buy
Macquarie
2025-10-29
Outperform
Outperform
UBS
2025-10-29
Buy
Buy
Raymond James
2025-10-29
Outperform
Outperform
Citigroup
2025-10-22
Buy
Wells Fargo
2025-10-22
Overweight
Baird
2025-10-06
Outperform
Outperform
Truist Securities
2025-08-04
Buy
Buy
Macquarie
2025-07-31
Outperform
Outperform
Past News Coverage
Recent headlines mentioning V from our newsroom.
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No matching news yet.