Visa Inc. V SPX
Financial Services · Credit Services · United States
Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a platform which facilitates money movement, enabling clients to collect, hold, convert, and send funds across its network; and issuing solutions, such as airport lounge access, dining reservations, shopping experiences, event tickets, and seller offers. In addition, the company provides acceptance solutions, an omnichannel payment integration with e-commerce platforms; risk detection and prevention solutions; and advisory and other services comprising consulting practice, proprietary analytics models, data scientists and economists, marketing services, and managed services. It provides its services under the Visa, Visa Electron, V PAY, Interlink, and PLUS brands. The company serves consumers, sellers, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.
READ MORE ›$326.36
-9.93% 1Y
Market & Price
Market Cap
$620.65B
Current Price
$326.36
High / Low (52W)
$370.38 / $294.91
Beta
0.78
Valuation
Stock P/E
28.48
Industry PE
12.01
Forward P/E
21.98
PEG Ratio
1.69
Book Value
$20.03
Price to Book
16.29
P/S
14.42
EV/EBITDA
20.75
Dividend Yield
0.82%
Profitability & Returns
ROCE
38.38%
ROE
60.35%
ROA
19.19%
Profit Margin
51.68%
Op Margin
67.35%
EPS (Latest Qtr)
$3.14
EPS (TTM)
$11.46
Balance Sheet & Liquidity
Debt/Equity
0.67
Quick Ratio
0.67
Current Ratio
1.09
Debt
$23.98B
Total Assets
$99.63B
Current Assets
$37.77B
Working Capital
$2.72B
Ownership
Promoter Holding
0.08%
Chg in Prom Hold
-
FII / Inst Holding
91.70%
Chg in FII Hold
-0.02%
Financial Snapshot
Enterprise Value
$625.60B
Total Revenue (TTM)
$43.03B
EBITDA
$30.14B
Free Cash Flow
$20.84B
Operating Cash Flow
$22.76B
Shares Outstanding
1.66B
Gross Margin
97.78%
Payout Ratio
21.97%
Growth (CAGR)
Revenue 5Y
10.92%
Profit 5Y
10.28%
Revenue (YoY)
17.10%
Earnings (YoY)
35.50%
PROS
- Strong return on equity of 60.3%.
- Healthy ROCE of 38.4%.
- Excellent profit margin of 51.7%.
- Compounding revenue at 10.9% over 5 years.
- Profit CAGR of 10.3% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 4 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 5 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 6 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 7 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 8 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
| 9 | IBKR Interactive Brokers Group, Inc. SPX | 86.97 | 37.33 | $147.85B | 0.40% | 19.56% | 23.56% | 34.60% | 37.32% |
Ad space
Quarterly Results
Figures in USD.
| Metric | Jun 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.51B | 5.49B | 5.84B | 6.05B | 5.85B | 4.84B | 5.69B | 5.73B | 6.13B | 7.06B | 7.19B | 7.28B | 7.94B | 7.99B | 8.12B | 8.63B | 8.78B | 8.90B | 9.51B | 9.59B | 10.17B | 10.72B | 10.90B | 11.23B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.88B | 1.97B | 1.98B | 2.00B | 2.10B |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.71B | 8.20B | 8.74B | 8.90B | 9.13B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.28B | 1.41B | 1.69B | 1.46B | 1.57B |
| Operating Income | 1.83B | 2.08B | 2.05B | 2.02B | 2.24B | 2.28B | 2.26B | 2.40B | 2.43B | 428.00M | 3.10B | 2.81B | 3.02B | 3.33B | 3.34B | 2.88B | 3.72B | 3.64B | 3.91B | 4.02B | 3.92B | 3.00B | 3.84B | 3.58B | 4.06B | 4.78B | 4.80B | 4.15B | 5.09B | 5.34B | 5.02B | 5.95B | 5.35B | 5.94B | 6.23B | 6.43B | 6.79B | 7.05B | 7.45B | 7.56B |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.90B | 6.69B | 6.75B | 7.25B | 7.68B |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 158.00M | 39.00M | 210.00M | 194.00M | 178.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.44B | 6.33B | 6.22B | 6.73B | 7.17B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 861.00M | 1.06B | 1.13B | 873.00M | 1.15B |
| Net Income | 1.23B | 1.41B | 1.60B | 1.36B | 1.57B | 1.55B | 1.70B | 1.94B | 1.71B | 412.00M | 2.07B | 430.00M | 2.06B | 2.52B | 2.60B | 2.33B | 2.98B | 2.98B | 3.10B | 3.27B | 3.08B | 2.37B | 3.13B | 3.03B | 2.58B | 3.96B | 3.65B | 3.41B | 4.18B | 4.26B | 4.16B | 4.89B | 4.66B | 4.87B | 5.12B | 4.58B | 5.27B | 5.09B | 5.85B | 6.02B |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.32 | 2.69 | 2.62 | 3.03 | 3.14 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Sep 2007 | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 22.98B | 21.85B | 24.11B | 29.31B | 32.65B | 35.93B | 40.00B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.73B | 6.57B | 7.04B | 7.86B |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 23.58B | 26.09B | 28.88B | 32.15B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.90B | 4.16B | 4.83B | 5.59B |
| Operating Income | -1.45B | 1.23B | 3.54B | 4.59B | 5.46B | 2.14B | 7.24B | 7.70B | 9.06B | 7.88B | 12.14B | 12.95B | 15.00B | 14.08B | 15.80B | 19.68B | 21.93B | 24.06B | 26.56B |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 19.54B | 22.62B | 25.59B | 26.00B |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 538.00M | 644.00M | 641.00M | 589.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 18.14B | 21.04B | 23.92B | 24.19B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.18B | 3.76B | 4.17B | 4.14B |
| Net Income | -1.08B | 804.00M | 2.35B | 2.97B | 3.65B | 2.14B | 4.98B | 5.44B | 6.33B | 5.99B | 6.70B | 10.30B | 12.08B | 10.87B | 12.31B | 14.96B | 17.27B | 19.74B | 20.06B |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.00 | 8.28 | 9.73 | 10.20 |
Compounded Sales Growth
| 5 Years: | 10.92% |
| 1 Year: | 17.10% |
Compounded Profit Growth
| 5 Years: | 10.28% |
| 1 Year: | 35.50% |
Stock Price Performance
| 1 Year: | -9.93% |
| 6 Months: | -2.04% |
| 3 Months: | +2.15% |
| 1 Month: | -2.34% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Sep 2006 | Sep 2007 | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 34.98B | 32.28B | 33.41B | 34.76B | 40.01B | 35.96B | 38.57B | 39.37B | 64.03B | 67.98B | 69.22B | 72.57B | 80.92B | - | 85.50B | 90.50B | 94.51B | 99.63B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 30.20B | 33.53B | 34.03B | 37.77B |
| Cash & Equivalents | 270.00M | 275.00M | 4.98B | 4.62B | 3.87B | 2.13B | 2.07B | 2.19B | 1.97B | 3.52B | 5.62B | 9.87B | 8.16B | 7.84B | 16.29B | - | 15.69B | 16.29B | 11.97B | 17.16B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.02B | 2.29B | 2.56B | 3.13B |
| Total Liabilities | - | - | 12.70B | 9.09B | 8.39B | 8.32B | 12.38B | 9.09B | 11.16B | 9.53B | 31.12B | 35.22B | 35.22B | 37.89B | 44.71B | - | 49.92B | 51.77B | 55.37B | 61.72B |
| Current Liabilities | - | - | 7.17B | 4.44B | 3.50B | 3.45B | 7.95B | 4.33B | 6.01B | 5.36B | 8.05B | 9.99B | 11.30B | 13.41B | 14.51B | - | 20.85B | 23.10B | 26.52B | 35.05B |
| Long Term Debt | - | - | 55.00M | 44.00M | 32.00M | - | - | - | - | - | - | - | - | 16.73B | 21.07B | - | 20.20B | 20.46B | 20.84B | 19.60B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 22.45B | 20.46B | 20.84B | 25.17B |
| Total Equity | 583.00M | -501.00M | 21.14B | 23.19B | 25.01B | 26.44B | - | - | - | - | - | - | - | - | - | - | 35.58B | 38.73B | 39.14B | 37.91B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.09B | 2.03B | 1.98B | 1.93B |
Cash Flows (Annual)
Figures in USD.
| Metric | Sep 2007 | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 505.00M | 531.00M | 558.00M | 2.69B | 3.87B | 5.01B | 3.02B | 7.21B | 6.58B | 5.57B | 9.32B | 12.94B | 12.78B | 10.44B | - | 18.85B | 20.75B | 19.95B | 23.06B |
| Investing Cash Flow | -463.00M | 554.00M | 1.83B | -1.90B | -2.30B | -2.41B | -1.16B | -941.00M | -1.44B | -10.92B | 735.00M | -3.08B | -591.00M | 1.43B | - | -4.29B | -2.01B | -1.93B | 708.00M |
| Financing Cash Flow | -37.00M | 3.62B | -2.75B | -1.54B | -3.30B | -2.65B | -1.75B | -6.48B | -3.60B | 7.48B | -5.92B | -10.79B | -12.06B | -3.97B | - | -12.70B | -17.77B | -20.63B | -18.96B |
| Capital Expenditure | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -970.00M | -1.06B | -1.26B | -1.48B |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.88B | 19.70B | 18.69B | 21.58B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.86B | 977.00M | -2.61B | 4.80B |
| Share Buybacks | 0 | 13.45B | 2.65B | 1.00B | 2.02B | 710.00M | 5.37B | 4.12B | 2.91B | - | 6.89B | 7.19B | 8.61B | 8.11B | 8.68B | 11.59B | 12.10B | 16.71B | 18.32B |
| Dividends Paid | 0 | 93.00M | 318.00M | 368.00M | 423.00M | 595.00M | 864.00M | 1.01B | 1.18B | 1.35B | 1.58B | 1.92B | 2.27B | 2.66B | 2.80B | 3.20B | 3.75B | 4.22B | 4.63B |
Ratios (Annual)
Figures in %.
| Metric | Sep 2007 | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 80.4% | 79.9% | 80.4% | 80.4% |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | 65.3% | 64.5% | 65.6% | 67.1% | 67.2% | 67.0% | 66.4% |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | 52.6% | 49.7% | 51.1% | 51.0% | 52.9% | 55.0% | 50.1% |
| ROE % | 214.8% | 3.8% | 10.1% | 11.9% | 13.8% | - | - | - | - | - | - | - | - | - | - | 42.0% | 44.6% | 50.4% | 52.9% |
| ROCE % | - | 4.4% | 12.7% | 15.3% | 17.4% | 6.7% | 22.9% | 23.6% | 26.6% | 14.1% | 20.9% | 22.4% | 25.4% | 21.2% | - | 30.4% | 32.5% | 35.4% | 41.1% |
Shareholding Pattern
Insiders
0.08%
Institutions
91.70%
Public Float
91.77%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.21% | 136.19M | $44.45B |
| 2 | Vanguard Capital Management LLC | 6.45% | 107.01M | $34.92B |
| 3 | State Street Corporation | 4.96% | 82.31M | $26.86B |
| 4 | Morgan Stanley | 2.77% | 45.98M | $15.01B |
| 5 | FMR, LLC | 2.71% | 44.91M | $14.66B |
| 6 | Geode Capital Management, LLC | 2.70% | 44.88M | $14.65B |
| 7 | Price (T.Rowe) Associates Inc | 2.47% | 41.08M | $13.41B |
| 8 | Vanguard Portfolio Management LLC | 2.27% | 37.60M | $12.27B |
| 9 | TCI Fund Management Ltd | 1.84% | 30.47M | $9.94B |
| 10 | Capital World Investors | 1.52% | 25.18M | $8.22B |
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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