NAS10029,447+1.73%S&P7,638+1.14%GOLD$4,406+0.14%BTC$77,436VIX15.44−12.82%live tape · as of 11:00 UTC
The Screen · Financials · Credit Services
Visa Inc.
V · a US exchange · USD · Market cap $688.3B · 34,100 employees
Visa Inc.
FAIL · Does not pass the screen
368.64 USD
At the last full screen 2026-09-08
Screened 2026-09-08 · the tape above runs as of 11:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
Visa Inc. holds its Accumulation at $368.64. Consolidating, no directional conviction, held for 18 days.
As held on the ledger · 2026-09-08
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 18 days
Price at the screen
$368.64
Valuation
31.40 trailing · 24.57 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.76
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades above our $323.53 fair value estimate, strong competitive moat, 14.40% revenue growth.
Fair value range in USD, drawn from the 2026-09-08 screen. The gold marker is the market price at the same screen. The price runs 12.2% above the base estimate.
Third-party analyst targets: 37 covering, consensus Strong Buy. The average target sits +14% from the screen price.
Reading the gap · Our more conservative model reads it as fully-to-richly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-08 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Payment Giant Visa's Ethical Shortfall
Paying with Visa has become as ubiquitous as breathing air in many parts of the world. But as transactions flow seamlessly across its network, it's easy to overlook the ethical implications. Visa operates VisaNet, the backbone of a global payment system that facilitates millions of transactions every day, authorizing, clearing, and settling payments with speed and efficiency. Yet, despite its financial prowess, Visa falls short on ethical grounds, failing our business activity screen.
Why Visa stands out, or in this case, why we pass on it, is not solely about the numbers. The revenue growth is a robust 14%, profit margin exceeds the 50% mark, and ROE is an impressive 61%. The moat is strong, and 37 analysts have a consensus rating of strong buy, with a median target price of $420. But numbers alone do not tell the full story. Visa fails our ethical screen, a critical component of our investment thesis.
Risks here are not about market volatility or financial performance but about the alignment of business practices with our ethical standards. The market may be pricing Visa with a forward P/E of 24.4x, but ethical investing requires a broader perspective. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
V trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-29Markup$365.73+2.8%Entry 12
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 2.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399.
2026-07-28Markup$355.74+0.0%Entry 11
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-27Markup$355.74+0.0%Entry 10
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-26Markup$355.74+0.0%Entry 9
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-25Markup$355.74-0.8%Entry 8
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-24Markup$358.56+0.0%Entry 7
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-23Markup$358.56+0.0%Entry 6
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-22Markup$358.56+0.0%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-21Markup$358.56+10.8%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 10.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-18Markup$323.57+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 12%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (35 analysts) rates it strong buy, with a mean price target of $399.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
