Visa (V) Research Report — Score, Intrinsic Value, Peer Rankings

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

$375.07 -$3.68(-0.97%)as of Friday's close

52‑wk Range

$293.89

$385.57

Cap ($M USD) $705,671

P/E 32.0

EPS (1Y)14.7%

Dividend$2.68

Last Filing06/30/26

Sales ($M)44,488

Fwd. P/E 25.0

Sales (1Y)14.4%

Fwd. Yield 0.7%

Next Earnings10/27/26

V has underperformed the S&P 500 by -13.3% in the past year.

V has underperformed its sector by -2.8% in the past year.

The Financial Services sector has underperformed the market by -10.4% in the past year.

ANALYST CONSENSUS

Strong Buy

The consensus rating is unchanged from 1 month ago.

Strong Buy

Buy

Hold

Sell

Strong Sell

Strong BuyBuyHoldSellStrong Sell

QUANTITATIVE SCORES

Fair Value

$381.09

Low Confidence

Margin of Safety

The Margin of Safety is the difference between a company's Fair Value and the current price. See more on page 8.

3 warnings

Details on Page 8

Value Score

Value Score: Our value score looks at EV/EBITDA, P/E, P/S, P/TB (Price/Tangible Book) and EPS Predictability. P/S and P/TB are compared within a sector. Other metrics are compared across all stocks

Quality Score

Quality Score: Our quality score compares profitability and balance sheet metrics to find high quality companies using ROIC, Net Margin, Gross Margin, Interest Coverage, and Debt / Equity metrics.

Growth Score

Growth Score: Our growth score looks at the 5 year history and the forward estimates for EBITDA, Sales, and EPS growth, ranking the best companies across all stocks.

Sentiment Score

Sentiment Score: Our sentiment score finds stocks in favor by analyzing Short Interest, returns in key periods over the last year, Price vs. 52-wk High, Days Since 52-wk High and MACD signals.

BUSINESS SUMMARY

Visa is the largest payment processor in the world. In fiscal 2025, it processed almost $17 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.

Employees 34,100Homepage www.visa.comHeadquarters San Francisco, CA

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

VALUATION SUMMARY

	V	Industry	S&P 500
Value Score	70	69	72
Price / Earnings	32.0	24.9	26.9
Price / Sales	18.1	4.7	3.7
Price / Free Cash Flow	38.3	17.1	36.1
Price / Book	20.2	4.8	5.9
Price / Tangible Book	-	108.9	382.3
EV / EBITDA	24.6	26.2	19.3
EPS Predict. Pctl.	98	68	72
Piotroski F Score	5	6	6

5‑Year P/E Range	26.2 47.8
5‑Year P/B Range	10.5 20.7
5‑Year P/S Range	15.7 28.7

GROWTH SUMMARY

	V	Industry	S&P 500
Growth Score	96	60	77
Sales Growth
Sales Growth Next Year	11.0%	9.8%	22.6%
Sales 1‑Year Chg (%)	14.4%	16.6%	21.3%
Sales 3‑Year Avg (%)	11.8%	14.0%	14.7%
Sales 5‑Year Avg (%)	14.4%	16.3%	13.1%
EPS Growth
Next Yr. Growth Est.	13.4%	14.8%	21.1%
EPS 1‑Year Chg (%)	14.7%	31.8%	34.5%
EPS 3‑Year Avg (%)	14.2%	17.9%	18.5%
EPS 5‑Year Avg (%)	18.9%	15.5%	14.3%

PEERS ANALYSIS SUMMARY

Ticker

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Company

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Cap ($M USD)

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P/E

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Fwd. Yield

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1M Return

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1Y Return

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Margin of Safety

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Value Score

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Growth Score

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Quality Score

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Visa

$705,671

32.0

0.7%

1.7%

7.7%

Mastercard

$507,393

31.9

0.6%

1.4%

-2.2%

BAC

Bank of America

$440,541

14.5

2.0%

0.2%

27.2%

HSBC

HSBC Holdings

$363,323

15.3

3.5%

1.5%

72.2%

-9%

Morgan Stanley

$341,943

17.6

2.1%

0.3%

47.9%

Goldman Sachs Group

$302,413

16.0

1.9%

-0.9%

41.4%

AXP

American Express

$220,259

19.8

1.2%

-5.9%

-0.3%

COF

Capital One Financial

$134,721

12.1

1.5%

-0.7%

-1.5%

PYPL

PayPal Holdings

$47,132

10.4

1.0%

-5.9%

-18.8%

25%

SYF

Synchrony Financial

$26,003

8.2

1.7%

1.5%

5.7%

AFRM

Affirm Holdings

$24,412

13.1

-7.4%

-19.3%

-15%

SOFI

SoFi Technologies

$23,532

37.2

-2.6%

-28.2%

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

PROFITABILITY SUMMARY

	V	Industry	S&P 500
Quality Score	98	54	75
Gross Margin	80.2%	30.5%	32.8%
Operating Margin	65.6%	38.0%	16.8%
Net Margin	50.8%	21.4%	13.7%
Return on Assets	23.3%	10.6%	15.0%
Return on Equity	63.6%	53.5%	40.1%
ROIC	39.2%	36.0%	27.5%

RETURNS SUMMARY

	V	Industry	S&P 500
Sentiment Score	38	48	58
5‑Day Return	-1.7%	-1.8%	0.1%
1‑Month Return	1.7%	-0.2%	-0.2%
YTD Return	7.6%	0.7%	13.4%
1‑Year Return	7.7%	0.1%	20.0%
3‑Year Return	54.7%	44.8%	77.4%
5‑Year Return	73.0%	25.1%	82.1%
Beta 1‑Year	0.30	0.51	1.00

DIVIDEND

	V	Industry
Forward Dividend Yield	0.7%	1.0%
Payout Ratio	22.1%	19.9%
TTM Yield	0.7%	-
Fwd. Div. Per Share	$2.68	$2.64
Div. 1Y Chg (%)	13.6%	-
Div. 3Y Avg (%)	14.2%	-
Div. 5Y Avg (%)	15.9%	-
Cons. Growth Years	10+	-
Div. Coverage Ratio	4.4	4.2

DEBT & EQUITY

Current Ratio	1.0
Quick Ratio	1.0
Price	$375.07
Net Cash Per Share	-$6.09
Equity Per Share	$18.57
Debt / Equity	0.7
Solvency Ratio	46%
Interest Coverage	35.7
Short % of Float	1.3%
Altman Z‑Score	8.8

ANALYST REVISIONS

Current Quarter EPS
# Up Last 30 days	9.00
# Down Last 30 days	13.00
Mean Estimate	3.43
% Change (30 Days)	-0.17%

Next Quarter EPS
# Up Last 30 days	20.00
# Down Last 30 days	4.00
Mean Estimate	3.63
% Change (30 Days)	0.08%

MEAN ESTIMATE TREND

	Cur Qtr	Next Qtr	Cur Year	Next Year
Latest	$3.43	$3.63	$13.23	$15.00
30 Days Ago	$3.43	$3.63	$13.20	$14.93
90 Days Ago	$3.44	$3.61	$13.12	$14.84
% Change (90 Days)	-0.4%	0.6%	0.8%	1.1%

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

EARNINGS SURPRISES

Earnings surprise is the difference between a company's announced earnings and the average analyst estimated value. Surprises typically causes the stock price to jump and are often followed by more of the same surprise type.

Surprise Summary (Last 12 Quarters)

Surprise Type	Amount	Percent
Positive Quarters (> 2%)	9	75.0%
Negative Quarters (< 2%)	0	-
In-Line Quarters (within 2%)	3	25.0%

Surprise Detail (Last 6 Quarters)

Surprise Type	Announce Date	Period End Date	Actual EPS	Est. EPS	Surprise (%)
Positive	07/28/26	06/30/26	$3.52	$3.32	6.0%
Positive	04/28/26	03/31/26	$3.31	$3.10	6.8%
In-Line	01/29/26	12/31/25	$3.17	$3.14	1.0%
In-Line	10/28/25	09/30/25	$2.98	$2.97	0.3%
Positive	07/29/25	06/30/25	$2.98	$2.85	4.6%
Positive	04/29/25	-	$2.76	$2.68	3.1%

RISK

	V	Industry	S&P 500
Best Monthly Return (5Y)	14.0%	11.4%	9.6%
Worst Monthly Return (5Y)	-11.2%	-11.6%	-9.6%
Beta 1‑Year	0.30	0.51	1.00
Volatility 1‑Year	0.22	0.19	0.13
Volatility 1Y Pctl.	20	-	-
Max Drawdown 1‑Year	-17.2%	-22.7%	-8.8%
Max Drawdown 3‑Year	-20.4%	-25.5%	-18.7%
Max Drawdown 5‑Year	-24.1%	-33.1%	-24.6%

SEASONALITY

Seasonal Performance vs the S&P 500

5-YEAR RELATIVE PERFORMANCE VS S&P 500

Relative to the S&P 500 baseline, V has underperformed the S&P 500 by -8.3% in the past 5 Years.

V has outperformed its sector by 7.4% in the past 5 Years.

The Financial Services sector has underperformed the market by -15.7% in the past 5 Years.

Visa 5-YEAR RELATIVE PERFORMANCE VS S&P 500 chart

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

Overall Rating
vs. Peers

Ratings scores are relative to industry groups. They compare key metrics to rank stocks vs. their competitors.
For example, higher growth than peers will score high even when the absolute growth is below the market average.

Growth vs Peers

Ticker

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Company

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Growth Rating vs. Peers

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Sales QoQ Chg.

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Eps QoQ Chg.

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Sales Growth Next Y.

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Sales 1Y Chg (%)

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Sales 3Y Avg (%)

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Sales 5Y Avg (%)

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Mastercard

14.1%

22.1%

12.6%

16.0%

14.1%

16.1%

Visa

14.4%

10.4%

11.0%

14.4%

11.8%

14.4%

COF

Capital One Financial

26.9%

6.0%

45.1%

20.1%

16.2%

AXP

American Express

10.0%

11.0%

9.1%

10.7%

10.2%

14.8%

PYPL

PayPal Holdings

4.8%

-3.1%

4.3%

5.7%

6.1%

7.4%

Valuation vs Peers

Ticker

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Company

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Valuation Rating vs. Peers

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P/E

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Fwd. P/E

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PEG Trailing

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P/S

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P/B

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5Y P/E Range

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PYPL

PayPal Holdings

10.4

9.5

2.0

1.5

2.4

7.5

66.6

COF

Capital One Financial

12.1

9.1

2.2

1.2

3.6

500+

AXP

American Express

19.8

16.2

1.4

3.0

6.4

13.2

29.0

Mastercard

31.9

25.2

1.6

14.8

90.1

28.2

54.8

Visa

32.0

25.0

1.7

18.1

20.2

26.2

47.8

Efficiency vs Peers

Ticker

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Company

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Efficiency Rating vs. Peers

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Gross Margin

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Operating Margin

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Net Margin

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5Y ROE Range

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5Y ROA Range

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Visa

80.2%

65.6%

50.8%

31.9%

63.6%

14.7%

23.3%

Mastercard

78.1%

59.8%

46.3%

118.8%

289.7%

24.0%

30.7%

PYPL

PayPal Holdings

45.8%

18.4%

14.4%

10.4%

25.8%

2.7%

7.0%

AXP

American Express

0.0%

26.2%

15.1%

27.4%

35.7%

3.4%

4.2%

COF

Capital One Financial

0.0%

46.5%

17.0%

-0.3%

19.6%

0.0%

3.0%

Financial Strength vs Peers

Ticker

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Company

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Financial Str. Rating vs. Peers

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Debt / Equity

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Interest Coverage

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Quick Ratio

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Intangibles %

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Solvency Ratio

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Short % of Float

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Visa

0.7

35.7

1.0

51.1%

46%

1.3%

Mastercard

4.4

28.0

1.1

25.9%

37%

0.8%

COF

Capital One Financial

0.4

7.1%

38%

2.0%

PYPL

PayPal Holdings

0.7

13.7

1.3

13.4%

10%

4.4%

AXP

American Express

1.7

23%

2.1%

Dividends vs Peers

Ticker

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Company

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Dividends Rating vs. Peers

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Fwd. Yield

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TTM Yield

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Price

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Fwd. Div. Per Share

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Consecutive Div. Growth Years

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Payout Ratio

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AXP

American Express

1.2%

1.1%

$326.16

$3.80

10+

21.4%

Mastercard

0.6%

$579.21

$3.48

10+

17.9%

COF

Capital One Financial

1.5%

$219.60

$3.20

15.9%

Visa

0.7%

$375.07

$2.68

10+

22.1%

PYPL

PayPal Holdings

1.0%

$54.96

$0.56

7.9%

Momentum vs Peers

Ticker

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Company

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Momentum Rating vs. Peers

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1M Return

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3M Return

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6M Return

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YTD Return

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1Y Return

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Beta 1Y

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Volatility 1Y

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Price vs 52‑wk High (%)

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Visa

1.7%

17.4%

17.5%

7.6%

7.7%

0.30

0.22

97.3%

Mastercard

1.4%

20.4%

11.1%

2.0%

-2.2%

0.30

0.22

96.3%

COF

Capital One Financial

-0.7%

20.3%

13.0%

-8.3%

-1.5%

1.31

0.32

84.6%

PYPL

PayPal Holdings

-5.9%

28.9%

18.2%

-5.0%

-18.8%

1.10

0.44

69.4%

AXP

American Express

-5.9%

4.6%

5.4%

-11.1%

-0.3%

0.96

0.26

84.2%

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

DIVIDEND DETAIL

CALENDAR YEAR DIVIDEND HISTORY

Year

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Ex-Dividend Date

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Pay Date

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Text

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Amount

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2026 Dividends

$2.01

08/11/26

09/01/26

Regular

$0.67

05/12/26

06/01/26

Regular

$0.67

02/10/26

03/02/26

Regular

$0.67

2025 Dividends

$2.44

11/12/25

12/01/25

Regular

$0.67

08/12/25

09/02/25

Regular

$0.59

05/13/25

06/02/25

Regular

$0.59

02/11/25

03/03/25

Regular

$0.59

2024 Dividends

$2.15

11/12/24

12/02/24

Regular

$0.59

08/09/24

09/03/24

Regular

$0.52

05/16/24

06/03/24

Regular

$0.52

02/08/24

03/01/24

Regular

$0.52

2023 Dividends

$1.87

11/08/23

12/01/23

Regular

$0.52

08/10/23

09/01/23

Regular

$0.45

05/11/23

06/01/23

Regular

$0.45

02/09/23

03/01/23

Regular

$0.45

2022 Dividends

$1.57

11/09/22

12/01/22

Regular

$0.45

08/11/22

09/01/22

Regular

$0.38

05/12/22

06/01/22

Regular

$0.38

02/10/22

03/01/22

Regular

$0.38

UPCOMING DIVIDEND

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Ex-Dividend Date

08/11/26

Payment Date

09/01/26

Amount

$0.67

Type

Regular

DIVIDEND RATE

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Regular Dividend

$0.67

Forward Dividend Rate

$2.68

Forward Dividend Yield

0.7%

Trailing 12 Months Dividends

$2.68

Trailing 12 Months Yield

0.7%

STATISTICS

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Payout Ratio

22.1

Dividend Coverage Ratio

4.4

Consecutive Growth Years

10+

3 Year Growth Rate

14.2%

5 Year Growth Rate

15.9%

10 Year Growth Rate

16.9%

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

FINANCIAL STATEMENT SUMMARY

Income Statement

Revenue

Operating Income

Net income

Earnings per share diluted

Average shares diluted

P/E Ratio

Balance Sheet

Cash

Current assets

Net Property, Plant and Equipment

Working Capital

Net Debt

Stockholders' Equity

Cash Flow

Operating Cash Flow

Cap Ex

Free Cash Flow

Free Cash Flow per share

Profitability

Operating Margin

Return on Assets

Return on Equity

Return on Invested Capital

Dividends

Dividends Per Share

Dividend Yield

Dividend Growth

Dividend Coverage

25,477

30,187

33,351

36,802

41,391

44,488

12.7%

16,886

20,188

22,459

24,372

27,723

29,189

12.4%

13,144

15,177

17,984

19,972

20,792

22,592

12.3%

$6.04

$7.16

$8.68

$9.92

$10.65

$11.75

15.3%

2,617

2,558

2,501

2,341

2,182

2,149

-4.1%

38.5

29.7

31.5

32.5

34.4

32.0

-3.9%

15,921

16,119

18,596

14,334

16,397

13,792

-3.0%

25,906

27,859

32,732

32,622

34,997

31,002

3.9%

2,908

3,236

3,472

3,974

4,276

4,858

11.6%

7,338

8,506

10,098

3,531

3,506

-465

4,999

4,368

2,107

6,275

4,780

10,066

16.1%

36,194

36,924

39,733

38,296

38,777

35,178

-0.6%

15,946

18,788

20,198

21,732

24,443

22,580

7.7%

-718

-1,046

-1,077

-1,335

-1,515

-1,567

15,228

17,742

19,121

20,397

22,928

21,013

7.1%

$5.82

$6.94

$7.65

$8.71

$10.51

$9.78

11.7%

66.3%

66.9%

67.3%

66.2%

67.0%

65.6%

-0.2%

16.1%

18.1%

20.4%

21.7%

23.3%

8.2%

35.5%

40.3%

44.5%

51.5%

53.1%

63.6%

13.3%

23.4%

26.8%

30.4%

34.5%

35.3%

39.2%

11.7%

$1.33

$1.57

$1.87

$2.15

$2.44

$2.68

16.1%

0.7%

0.9%

0.8%

0.7%

18.0%

18.7%

15.0%

13.5%

17.0%

4.5x

4.6x

4.4x

4.5x

0.0%

USD in Millions

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Chart

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2021

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2022

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2023

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2024

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2025

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TTM

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CAGR

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VALUATION & PROFITABILITY HISTORY

Date

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TTM

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1 Yr Ago

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2 Yrs. Ago

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3 Yrs. Ago

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4 Yrs. Ago

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Price / Earnings

32.0

35.3

31.3

33.2

31.0

Price / Cash Flow

35.7

36.5

33.4

33.0

32.0

Price / Book

20.2

18.3

14.3

13.8

11.7

Price / Tangible Book

Price / Sales

18.1

21.2

20.4

19.1

EV / EBITDA

24.6

26.4

23.0

23.4

22.0

Forward Dividend Yield

0.7%

0.8%

Shareholder Yield

3.7%

3.5%

3.3%

2.8%

3.8%

Gross Margin

80.2%

79.9%

80.7%

Net Margin

50.8%

52.2%

54.7%

51.9%

52.0%

Return on Assets

23.3%

21.7%

21.1%

19.3%

17.7%

Return on Equity

63.6%

51.9%

47.4%

41.7%

40.2%

ROIC

39.2%

32.3%

28.3%

24.9%

Visa (V)Financial Services / Credit Services

StockRover

Stock Report | September 06, 2026

WARNINGS

Name

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Severity

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Details

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MACD Crossover

Low

MACD Crossover Days: 2; MACD Divergence: -0.47

The MACD indicator has turned negative in the past week. This is a bearish signal among technical traders.

GAAP Earnings vs. Pro Forma

Low

Official EPS: $2.97; Announced EPS: $3.32

The GAAP compliant earnings that the company filed with the SEC are less than the pro-forma earnings they announced to the press. Pro-forma earnings can exclude special one-time charges but some distressed companies post these "one-time" charges quarter after quarter.

Downward EPS Revisions

Low

Net EPS Rev. Cur. Qtr.: -4

Analyst estimates for the next quarter have been revised down. Check for recent news stories about why the future outlook is darker.

REPORT TIPS

Metric Definitions

Metric descriptions are available at
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Quantitative Scores

Our scores analytics is to offer our concise analysis of a stock in powerful, but easy to digest format. Each of the composite score metrics are designed to use the best available accounting practices as well as source data from SEC filings. The scores are computed for a company vs. the market as a whole.

Fair Value

Fair value performs a forecasted discounted cash flow analysis of a company to determine the company's intrinsic value based on the expected future cash flows the company will produce. It basically determines what a company is worth based on how much cash flow it is expected to generate for you in the future, taking into account the time value of money and the predictability of those forecasted cash flows.

Peers

Peer ratings are computed from ranking companies in the same industry group. The selection of peers shown in the tables above are chosen from the same industry and closest proximity of revenue.

DISCLAIMER

Financial Statements and Historical Prices Provided by Morningstar. © 2026 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Stock Rover and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely.

The information provided does not constitute investment advice, nor does it constitute a recommendation to buy or sell any security. Stock Rover LLC and its content providers are not responsible for any losses resulting from trading decisions arising from any use of this information. Past performance is no guarantee of future results.

The information provided is as of the date written and is subject to change without notice

Additional data provided by Zacks, Intrinio, Quandl, Yodlee, IEX Cloud

Visa (V) Research Report — September 06, 2026

ANALYST CONSENSUS

QUANTITATIVE SCORES

BUSINESS SUMMARY

VALUATION SUMMARY

GROWTH SUMMARY

PEERS ANALYSIS SUMMARY

PROFITABILITY SUMMARY

RETURNS SUMMARY

DIVIDEND

DEBT & EQUITY

ANALYST REVISIONS

MEAN ESTIMATE TREND

EARNINGS SURPRISES

RISK

SEASONALITY

5-YEAR RELATIVE PERFORMANCE VS S&P 500

Growth vs Peers

Valuation vs Peers

Efficiency vs Peers

Financial Strength vs Peers

Dividends vs Peers

Momentum vs Peers

DIVIDEND DETAIL

Returns

CALENDAR YEAR DIVIDEND HISTORY

UPCOMING DIVIDEND

DIVIDEND RATE

STATISTICS

FINANCIAL STATEMENT SUMMARY

VALUATION & PROFITABILITY HISTORY

WARNINGS

REPORT TIPS

DISCLAIMER