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Visa Inc.

Visa Inc. (V)

Average score 8.5 A

Preference —

Visa Inc. (trademark); Nikon1803, Gameposo and Tokyoship; Wikimedia Commons, PD-textlogo; trademark rights may apply

Six company scores

Company growthProfitabilityFinancial stabilityEconomic moatFuture outlookValuation
Average score
Company growth8 / 10

Digital payments and value-added services drive growth

Profitability10 / 10

Global scale keeps incremental processing costs low

Financial stability9 / 10

Strong credit and cash flow offset litigation costs

Economic moat10 / 10

Bank and merchant networks create high switching costs

Future outlook8 / 10

Instant payments and tokens grow; antitrust risks remain

Valuation6 / 10

About 28x forward earnings reflects growth expectations

Editorial scores are for education, not audited financial metrics or investment advice.

Revenue by business

  • Service Revenue 31.02%

    Fees on payment volumes and card-issuing support

  • Data Processing Revenue 36.4%

    Authorization, clearing, settlement and risk tools

  • International Transaction Revenue 23.75%

    Cross-border transaction and currency conversion fees

  • Other Revenue 8.83%

    Consulting, security and digital payment services

Revenue by region

  • United States 37.96%
  • International 62.04%

Key metrics

Revenue CAGR (5 years)14%
Operating income CAGR (5 years)12%
Net income CAGR (5 years)14%
Operating margin (5-year avg.)63%
ROE (5-year avg.)51%
ROA (5-year avg.)21%
Beta (5 years)0.79
MDD (5 years)-25%
Payout ratio (5-year avg.)22%
P/E35x
Forward P/E28x
PEG1.95