Stocks · Financial Services · Financial - Credit Services
Visa Inc. V
$360.66 +0.23% Close, Oct 2, 2026 · NYSE · Market cap $673.37B
High quality
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 8 quarters (average surprise over the last four: +3.9%).
- The stock is in an uptrend: above its 200-day average for 71 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $44.49B, up 14.4% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth37Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 30%
- EPS growth (TTM, YoY)Bottom 45%
- FCF growth (TTM, YoY)Bottom 29%
- Revenue growth, 3-year CAGRBottom 33%
- Revenue growth accelerationTop 47%
Quality92Exceptional
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 3%
- Gross marginTop 14%
- Operating marginTop 4%
- Cash conversion (OCF / net income)Bottom 38%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Top 38%
- Interest coverTop 7%
Value30Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 33%
- Free-cash-flow yieldBottom 30%
- EBITDA / enterprise valueBottom 36%
- Sales / enterprise valueBottom 5%
- P/E vs own 5-year history (lower is better)Top 31%
Momentum56Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 49%
- 6-month returnTop 20%
- 1-year return vs S&P 500Bottom 44%
- Distance from 52-week highTop 33%
- Trend checklist (0–4)Top 48%
Revisions86Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 45%
- Consecutive EPS beatsTop 13%
- Share of analysts rating BuyTop 8%
- Upside to consensus price targetTop 43%
Stability66Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 38%
- Maximum drawdown, 3 yearsTop 27%
- Beta vs S&P 500 (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 38%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.4% | 14.4% | ↑ |
| EPS growth (YoY) | 15.4% | 14.8% | ↓ |
| Gross margin | 80.2% | 80.2% | ↓ |
| Operating margin | 62.2% | 60.7% | ↓ |
| FCF margin | 56.8% | 47.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 14.4% | 14.4% | ↑ | Top 30% |
| EPS growth (TTM, YoY) | 14.8% | 15.4% | ↓ | Bottom 45% |
| Gross margin | 80.2% | 80.2% | ↓ | Top 14% |
| Operating margin | 60.7% | 62.2% | ↓ | Top 4% |
| Net margin | 50.8% | 52.2% | ↓ | — |
| Free-cash-flow margin | 47.2% | 56.8% | ↓ | — |
| Return on invested capital | 34.2% | — | Top 3% | |
| Revenue growth, 3-year CAGR | 10.9% | — | Bottom 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -68.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 23.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.74%
- Net buyback yield (TTM)
- 3.15%
- Shareholder yield
- 3.90%
- Share count change, 1 year
- -1.3%
- Share count change, 3-year CAGR
- -2.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 8
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +3.9%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $422.24
- Target vs current price
- +17.1%
- Analysts with a rating
- 62
- Share rating Buy or Strong Buy
- 85%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +2.8% | +1.1% | +0.9% | +5.5% | — |
| Apr 28, 2026 | +6.8% | -0.1% | +5.6% | +5.4% | +13.5% |
| Jan 29, 2026 | +5.7% | +1.5% | +0.9% | -3.1% | -5.4% |
| Oct 28, 2025 | +0.3% | -0.3% | -3.1% | -5.3% | -6.2% |
| Jul 29, 2025 | +4.6% | -1.2% | -3.7% | -1.9% | -2.3% |
| Apr 29, 2025 | +3.0% | +1.2% | +3.3% | +6.5% | +4.9% |
| Jan 30, 2025 | +3.4% | +2.1% | +4.0% | +5.9% | -0.2% |
| Oct 29, 2024 | +5.0% | -0.8% | +2.7% | +10.2% | +17.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $3.32 | $3.23 | +2.8% | $11.63B |
| Apr 28, 2026 | $3.31 | $3.10 | +6.8% | $11.23B |
| Jan 29, 2026 | $3.32 | $3.14 | +5.7% | $11.63B |
| Oct 28, 2025 | $2.98 | $2.97 | +0.3% | $10.72B |
| Jul 29, 2025 | $2.98 | $2.85 | +4.6% | $10.17B |
| Apr 29, 2025 | $2.76 | $2.68 | +3.0% | $9.59B |
| Jan 30, 2025 | $2.75 | $2.66 | +3.4% | $9.51B |
| Oct 29, 2024 | $2.71 | $2.58 | +5.0% | $9.62B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 30.7× | 31.4× | 33th | Bottom 33% |
| P/E (forward) | 27.3× | — | — | — |
| EV / EBITDA | 23.5× | — | — | Bottom 36% |
| EV / Sales | 15.39× | — | — | Bottom 5% |
| Free-cash-flow yield | 3.12% | — | — | Bottom 30% |
| Earnings yield | 3.26% | — | — | Bottom 33% |
P/E over the past five years
Range 27.2× – 50.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +3.7%
- Earnings per share growth (TTM)
- +14.8%
- Change in P/E multiple
- -8.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 71
- 50-day average slope (20 days)
- +1.8%
- 200-day average slope (20 days)
- +1.1%
- Distance from 50-day average
- -2.2%
- Distance from 200-day average
- +6.9%
- RSI (14)
- 41.2
- Relative volume
- 0.65×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.6%
- Volatility vs own 5-year history
- 39th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.56
- Current drawdown from 1-year high
- -6.1%
- Maximum drawdown, 3 years
- -20.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 27, 2021 | Sep 30, 2022 | -29.2% | 298 days | 287 days (Nov 21, 2023) |
| Jun 11, 2025 | Mar 27, 2026 | -20.8% | 199 days | 102 days (Aug 24, 2026) |
| Feb 28, 2025 | Apr 8, 2025 | -15.0% | 27 days | 27 days (May 16, 2025) |
| Mar 21, 2024 | Jul 25, 2024 | -12.6% | 86 days | 36 days (Sep 16, 2024) |
| Oct 9, 2020 | Oct 28, 2020 | -12.5% | 13 days | 8 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $673.37B
- P/E (TTM)
- 30.7
- EPS, diluted (TTM)
- $11.76
- Revenue (TTM)
- $44.49B
- Dividend yield
- 0.74%
- 52-week range
- $293.89 – $385.57
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $24.11B | $29.31B | $32.65B | $35.93B | $40.00B |
| Gross profit | $19.14B | $23.58B | $26.09B | $28.88B | $32.15B |
| Operating income | $15.80B | $18.81B | $21.00B | $23.59B | $23.99B |
| Net income | $12.31B | $14.96B | $17.27B | $19.74B | $20.06B |
| EPS (diluted) | $5.63 | $7.00 | $8.28 | $9.73 | $10.20 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $9.62B | $9.51B | $9.59B | $10.17B | $10.72B | $10.90B | $11.23B | $11.63B |
| Net income | $5.32B | $5.12B | $4.58B | $5.27B | $5.09B | $5.85B | $6.02B | $5.63B |
| EPS (diluted) | $2.65 | $2.58 | $2.32 | $2.69 | $2.62 | $3.03 | $3.14 | $2.97 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $15.23B | $18.85B | $20.75B | $19.95B | $23.06B |
| Capital expenditure | -$705.0M | -$970.0M | -$1.06B | -$1.26B | -$1.48B |
| Free cash flow | $14.52B | $17.88B | $19.70B | $18.69B | $21.58B |
| Dividends paid | -$2.80B | -$3.20B | -$3.75B | -$4.22B | -$4.63B |
| Net share buybacks | -$8.68B | -$11.59B | -$12.10B | -$16.71B | -$13.29B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $13.79B
- Total assets
- $94.59B
- Total liabilities
- $59.41B
- Total debt
- $23.86B
- Net debt
- $11.50B
- Shareholders’ equity
- $35.18B
As of Jun 30, 2026 (filed Jul 29, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 11, 2026 | $0.67 | Sep 1, 2026 |
| May 12, 2026 | $0.67 | Jun 1, 2026 |
| Feb 10, 2026 | $0.67 | Mar 2, 2026 |
| Nov 12, 2025 | $0.67 | Dec 1, 2025 |
| Aug 12, 2025 | $0.59 | Sep 2, 2025 |
| May 13, 2025 | $0.59 | Jun 2, 2025 |
| Feb 11, 2025 | $0.59 | Mar 3, 2025 |
| Nov 12, 2024 | $0.59 | Dec 2, 2024 |
Short interest
- Shares sold short
- 18,532,235
- Days to cover
- 3.87
- Change vs previous report
- -8.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 19, 2015
- 4-for-1