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.
Visa Inc. V
Outside both standards
An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Visa Inc.
read at $355.74
Visa Inc. holds its Markup at $355.74.
- PHPhase · the trend structure carries the Markup label
- INInsiders · no filings inside 60 days, left as found
- POPositioning · no disclosures inside 60 days, left as found
- OPOptions · no verdict drawn today, left as found
- SCScreen · does not pass the values gate
- edge confirmed
- edge broken
- edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
The investor read · the season, not the day
| Phase | Markup |
| Quantitative state | Consolidating, no directional conviction, held for 18 days |
| Price | $355.74 |
| Valuation | 31.04 trailing · 23.92 forward price to earnings |
| Values screen | FAIL · score 10.0 |
| Beta | 0.75 |
The opportunity · what the numbers say it is worth
Our framework reads AVOID — it trades above our $316.54 fair value estimate, strong competitive moat, 17.10% revenue growth.
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
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.
| Revenue growth | 17.10% |
| Profit margin | 51.68% |
| Debt to equity | 67.23 |
| Analyst consensus | Strong Buy · 38 covering |
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
The values screen, explained · five checks, plain English
This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:
Used by most halal investing apps ✗ DOES NOT PASS
The one Titan applies ✗ DOES NOT PASS
Why it fails. The problem is its business activity screen. Because both standards agree on this, it is a clear exclusion, not a borderline case.
What these two standards are, and how they differ →
- Business activity Business activity: Financials sector Fail
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
The business, in plain words · what the numbers mean
Visa glides through every swipe yet fails ethics
Every time a shopper taps a card in New York or a freelancer gets paid in Nairobi, Visa sits in the middle and clips the ticket. The business prints 52 percent profit margins and 60 percent ROE on a strong moat, yet the ethical screen knocks it out on business activity grounds. We pass, even though analysts still rate it a strong buy with a 404 dollar median target.
The shares trade at 358 dollars against our 313 dollar fair value, a 13 percent premium that leaves no margin of safety. Forward earnings sit at 24 times while revenue grows 17 percent. Those numbers look solid on paper, but the valuation already bakes in perfection and the ethical red flag removes any reason to stretch.
Risk is straightforward. One regulatory or reputational hit on the screened activity could re-rate the multiple fast, and the current price offers no cushion if that happens. Analysis, not advice.
| Forward P/E | 23.9x priced for continued growth |
| Trailing P/E | 31.0x a premium valuation |
| Revenue growth | 17.1% steady growth |
| Profit margin | 51.7% highly profitable on every dollar of sales |
| Return on equity | 60.3% an exceptional return on shareholder capital |
| Debt to equity | 0.67 moderate, manageable leverage |
| Current ratio | 1.09 adequate liquidity, worth monitoring |
| Beta | 0.75 steadier than the market |
| Market cap | $676.5B |
| Employees | 34,100 |
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.
Latest news · what the market is reading on V
- › The lessons Chime and Visa's layoffs have for banks American Banker · 2d ago
- › Capital One's Purchase Volume Grew 26%, but Legacy Discover Volume Rose Less Than 2%. Only One Number Describes the Franchise It Bought. Motley Fool · 2d ago
- › The 5 Best Long-Term Investment Stocks to Buy for Steady Returns Kiplinger · 2d ago
- › Will Rising Costs Overshadow Global Payments' Q2 Earnings? Zacks · 2d ago
- › Euronet Q2 Earnings Miss Estimates on Cross-Border Payments Weakness Zacks · 2d ago
Headlines from third-party outlets, linked for reference — not our reporting, not advice.
Related securities · others in V's space worth a look
Screened names in the same industry · explore each on its own page.
Where & how to trade · wherever in the world you are
V trades on a US exchange. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The trader read · the latest dated commentary
The dated journal · newest first, never edited
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.
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.
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.
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.
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.
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.
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.
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.
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.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
The insider ledger · Form 4 filings, as filed
| 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 | · |
Public filings, recorded as found. The full tape lives at Insider Intelligence.
The political ledger · congressional disclosures
| 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 |
What holding actually paid · price plus dividends
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $323.19 | -0.1% | $0.67 | $1,001 | +0.1% |
| 2 months | $303.73 | +6.3% | $0.67 | $1,066 | +6.6% |
| 3 months | $305.87 | +5.6% | $0.67 | $1,058 | +5.8% |
| 6 months | $344.21 | -6.2% | $1.34 | $942 | -5.8% |
| 1 year | $367.79 | -12.2% | $2.60 | $885 | -11.5% |
| 2 years | $270.92 | +19.2% | $4.89 | $1,210 | +21.0% |
| 3 years | $218.51 | +47.8% | $6.90 | $1,510 | +51.0% |
| 5 years | $226.34 | +42.7% | $10.07 | $1,471 | +47.1% |
Historical returns from market close data. Past performance does not guarantee future results.