VISA INC-CLASS A SHARES (V) Fundamental Analysis & Valuation

NYSE:V • US92826C8394

312.215 USD
-5.15 (-1.62%)
Last: Mar 9, 2026, 02:03 PM
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This V fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

7

V gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. V scores excellent points on both the profitability and health parts. This is a solid base for a good stock. V is valied quite expensively at the moment, while it does show a decent growth rate. With these ratings, V could be worth investigating further for quality investing!.


Dividend Valuation Growth Profitability Health

9

1. V Profitability Analysis

1.1 Basic Checks

  • V had positive earnings in the past year.
  • V had a positive operating cash flow in the past year.
  • Each year in the past 5 years V has been profitable.
  • Each year in the past 5 years V had a positive operating cash flow.
V Yearly Net Income VS EBIT VS OCF VS FCFV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 21.27%, V belongs to the top of the industry, outperforming 96.94% of the companies in the same industry.
  • The Return On Equity of V (53.11%) is better than 96.94% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 35.11%, V belongs to the top of the industry, outperforming 97.96% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for V is significantly above the industry average of 8.33%.
  • The 3 year average ROIC (30.07%) for V is below the current ROIC(35.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROIC 35.11%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
V Yearly ROA, ROE, ROICV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • V's Profit Margin of 49.75% is amongst the best of the industry. V outperforms 89.80% of its industry peers.
  • V's Profit Margin has been stable in the last couple of years.
  • V has a Operating Margin of 66.98%. This is amongst the best in the industry. V outperforms 91.84% of its industry peers.
  • In the last couple of years the Operating Margin of V has remained more or less at the same level.
  • The Gross Margin of V (81.08%) is better than 85.71% of its industry peers.
  • In the last couple of years the Gross Margin of V has remained more or less at the same level.
Industry RankSector Rank
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
V Yearly Profit, Operating, Gross MarginsV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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8

2. V Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), V is creating value.
  • Compared to 1 year ago, V has less shares outstanding
  • V has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, V has a worse debt to assets ratio.
V Yearly Shares OutstandingV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
V Yearly Total Debt VS Total AssetsV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • V has an Altman-Z score of 7.90. This indicates that V is financially healthy and has little risk of bankruptcy at the moment.
  • V has a better Altman-Z score (7.90) than 91.84% of its industry peers.
  • V has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
  • The Debt to FCF ratio of V (0.92) is better than 79.59% of its industry peers.
  • V has a Debt/Equity ratio of 0.51. This is a neutral value indicating V is somewhat dependend on debt financing.
  • V's Debt to Equity ratio of 0.51 is in line compared to the rest of the industry. V outperforms 54.08% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for V, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.9
ROIC/WACC4.11
WACC8.55%
V Yearly LT Debt VS Equity VS FCFV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • V has a Current Ratio of 1.11. This is a normal value and indicates that V is financially healthy and should not expect problems in meeting its short term obligations.
  • V has a Current ratio of 1.11. This is comparable to the rest of the industry: V outperforms 56.12% of its industry peers.
  • A Quick Ratio of 1.11 indicates that V should not have too much problems paying its short term obligations.
  • V has a Quick ratio of 1.11. This is comparable to the rest of the industry: V outperforms 58.16% of its industry peers.
  • The current and quick ratio evaluation for V is rather negative, while it does have excellent solvency and profitability. These ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
V Yearly Current Assets VS Current LiabilitesV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. V Growth Analysis

3.1 Past

  • V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, which is quite good.
  • V shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
  • V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • Measured over the past years, V shows a quite strong growth in Revenue. The Revenue has been growing by 12.86% on average per year.
EPS 1Y (TTM)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.14% on average over the next years. This is quite good.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
V Yearly Revenue VS EstimatesV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
V Yearly EPS VS EstimatesV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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Find the best growth stocksShow best growing peers

2

4. V Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 26.26, the valuation of V can be described as expensive.
  • 65.31% of the companies in the same industry are cheaper than V, based on the Price/Earnings ratio.
  • V is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 21.08 indicates a rather expensive valuation of V.
  • Based on the Price/Forward Earnings ratio, V is valued a bit more expensive than the industry average as 64.29% of the companies are valued more cheaply.
  • V is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 26.26
Fwd PE 21.08
V Price Earnings VS Forward Price EarningsV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of V is on the same level as its industry peers.
  • V's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 25.95
EV/EBITDA 20.98
V Per share dataV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates V does not grow enough to justify the current Price/Earnings ratio.
  • The excellent profitability rating of V may justify a higher PE ratio.
  • A more expensive valuation may be justified as V's earnings are expected to grow with 13.19% in the coming years.
PEG (NY)1.85
PEG (5Y)1.47
EPS Next 2Y13.65%
EPS Next 3Y13.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. V Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.86%, V is not a good candidate for dividend investing.
  • V's Dividend Yield is comparable with the industry average which is at 2.34.
  • With a Dividend Yield of 0.86, V pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.86%

5.2 History

  • On average, the dividend of V grows each year by 13.85%, which is quite nice.
  • V has been paying a dividend for at least 10 years, so it has a reliable track record.
  • V has decreased its dividend recently.
Dividend Growth(5Y)13.85%
Div Incr Years1
Div Non Decr Years1
V Yearly Dividends per shareV Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • V pays out 23.10% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of V is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
V Yearly Income VS Free CF VS DividendV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
V Dividend Payout.V Dividend Payout, showing the Payout Ratio.V Dividend Payout.PayoutRetained Earnings

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V Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

NYSE:V (3/9/2026, 2:03:10 PM)

312.215

-5.15 (-1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.54%
Inst Owner Change0.67%
Ins Owners0.04%
Ins Owner Change7.5%
Market Cap595.08B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.92
Price Target408.92 (30.97%)
Short Float %1.59%
Short Ratio3.32
Dividend
Industry RankSector Rank
Dividend Yield 0.86%
Yearly Dividend2.39
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-10
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.26%
Min EPS beat(2)-1.51%
Max EPS beat(2)-1.02%
EPS beat(4)2
Avg EPS beat(4)0.27%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)9
Avg EPS beat(12)0.89%
EPS beat(16)13
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.29%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)0.15%
PT rev (3m)1.29%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)0%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 26.26
Fwd PE 21.08
P/S 14.38
P/FCF 25.95
P/OCF 24.35
P/B 15.35
P/tB N/A
EV/EBITDA 20.98
EPS(TTM)11.89
EY3.81%
EPS(NY)14.81
Fwd EY4.74%
FCF(TTM)12.03
FCFY3.85%
OCF(TTM)12.82
OCFY4.11%
SpS21.72
BVpS20.34
TBVpS-4.6
PEG (NY)1.85
PEG (5Y)1.47
Graham Number73.77
Profitability
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROCE 42.44%
ROIC 35.11%
ROICexc 46.88%
ROICexgc 1665.56%
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
FCFM 55.39%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
ROICexc(3y)41.42%
ROICexc(5y)37.31%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)36.35%
ROCE(5y)32.62%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y10.83%
ROICexc growth 5Y13.9%
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
F-Score6
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Debt/EBITDA 0.68
Cap/Depr 119.86%
Cap/Sales 3.66%
Interest Coverage 47.23
Cash Conversion 84.32%
Profit Quality 111.33%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 7.9
F-Score6
WACC8.55%
ROIC/WACC4.11
Cap/Depr(3y)118.45%
Cap/Depr(5y)111.14%
Cap/Sales(3y)3.48%
Cap/Sales(5y)3.34%
Profit Quality(3y)106.9%
Profit Quality(5y)112.77%
High Growth Momentum
Growth
EPS 1Y (TTM)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.14%
EBIT Next 3Y12.24%
EBIT Next 5Y11.09%
FCF growth 1Y19.91%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y21.02%
OCF growth 3Y6.95%
OCF growth 5Y17.17%

VISA INC-CLASS A SHARES / V FAQ

What is the ChartMill fundamental rating of VISA INC-CLASS A SHARES (V) stock?

ChartMill assigns a fundamental rating of 7 / 10 to V.


Can you provide the valuation status for VISA INC-CLASS A SHARES?

ChartMill assigns a valuation rating of 2 / 10 to VISA INC-CLASS A SHARES (V). This can be considered as Overvalued.


Can you provide the profitability details for VISA INC-CLASS A SHARES?

VISA INC-CLASS A SHARES (V) has a profitability rating of 9 / 10.


What are the PE and PB ratios of VISA INC-CLASS A SHARES (V) stock?

The Price/Earnings (PE) ratio for VISA INC-CLASS A SHARES (V) is 26.26 and the Price/Book (PB) ratio is 15.35.


How sustainable is the dividend of VISA INC-CLASS A SHARES (V) stock?

The dividend rating of VISA INC-CLASS A SHARES (V) is 4 / 10 and the dividend payout ratio is 23.1%.