V
Visa Inc.
Financials · Transaction & Payment Processing Services · US
$323.57
Data:
✗ ETHICAL FAIL

STRONG MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$606.3B
Total market value of the company
Trailing P/E
27.80
Premium valuation
Forward P/E
21.50
Based on estimated future earnings — lower means cheaper
Rev Growth
+17.1%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
ROE
60.3%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$398.74
+23% from current price — median analyst estimate
Recommendation
STRONG_BUY
Consensus view from 35 analysts covering this stock
About Visa Inc.

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.

https://www.visa.com

Country: United States Employees: 34,100 Industry: Credit Services
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
Fair Value Est.
$371.00
What our model estimates this business is worth per share
Margin of Safety
12.8%
Slight discount to fair value
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
Percentile
41.4th
Ranks in the top 59% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
56.5
Quality Score
62.0
Combined
37.0

Trading at $319 against a fair value of $371, a 14% discount. Strong competitive moat. Fails ethical screen (Business activity screen). Ranks better than 19% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
MARKUP
Price trending up with increasing momentum
Sharpe Ratio
0.571
Good returns relative to risk taken
Kelly Fraction
0.0543
Suggested allocation is meaningful — the edge justifies a position
Calmar Ratio
0.524
Acceptable balance between returns and drawdown risk
Annual Return
10.7%
Historical annualised return based on price data
Max Drawdown
-20.4%
Largest peak-to-trough decline — the worst it has been
HMM State
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
18
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
0.78
Less volatile than the market — more defensive
52W High
$375.51
14% below the year high
52W Low
$293.89
10% above the year low
Avg Volume
7,343,601
Average daily shares traded — higher means easier to buy and sell
Short Ratio
3.3
Days it would take all short sellers to cover — higher means more crowded
Short % Float
1.4%
Low short interest — limited bearish positioning
Div Yield
84.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$11.48
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
0.67
Moderate leverage — manageable
Current Ratio
1.09
Adequate but worth monitoring
Quick Ratio
0.67
Like current ratio but excludes inventory — stricter test
Gross Margin
97.8%
Revenue left after cost of goods — higher means pricing power
Operating Margin
67.3%
Profit from core operations before interest and tax
Free Cash Flow
$20.8B
Positive — the business generates more cash than it spends
Revenue (TTM)
$43.0B
Total revenue over the last 12 months
Net Income
$22.0B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
35
Target High
$450.00
Target Median
$398.74
Target Low
$323.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

45
NEUTRAL
Mixed insider activity. 0 purchases and 0 sales in the last 90 days — no clear directional signal. Net political selling.
Date Insider Title Type Shares Value
2026-05-12 SUH CHRIS Chief Financial Officer 10,639 $3,455,665
2026-04-29 MCINERNEY RYAN Chief Executive Officer 31,455 $10,699,204
2026-04-29 MCINERNEY RYAN Chief Executive Officer 31,455 $3,454,388
2026-03-11 CARNEY LLOYD A Director 650 $201,253
2026-02-13 MAHON TULLIER KELLY Officer 35,537 —
2026-02-13 FABARA PAUL D Officer 21,322 —
2026-02-13 TANEJA RAJAT Officer 35,537 —
2026-02-13 MCINERNEY RYAN Chief Executive Officer 11,754 —
2026-01-27 FERNANDEZ CARBAJAL FRANCISCO JAVIER Director 861 —
2026-01-27 MURPHY PAM Director 861 —
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity

Congressional trading disclosures involving this instrument

Date Politician Party Type Amount
9 Apr2026 Josh Gottheimer Democrat sell 1K–15K
9 Apr2026 Scott Peters Democrat buy 50K–100K
8 May2026 Kevin Hern Republican exchange 15K–50K
8 May2026 Kevin Hern Republican exchange 15K–50K
8 May2026 Sheldon Whitehouse Democrat sell 100K–250K
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated:

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