Visa (V) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Visa

NYSE•Financial Services•Credit Services

$369.93-1.00(<0.01%)Pre-market

Market Cap

$620.57B

P/E

27.5x

P/S

13.9x

P/B

17.6x

Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a platform which facilitates money movement, enabling clients to collect, hold, convert, and send funds across its network; and issuing solutions, such as airport lounge access, dining reservations, shopping experiences, event tickets, and seller offers. In addition, the company provides acceptance solutions, an omnichannel payment integration with e-commerce platforms; risk detection and prevention solutions; and advisory and other services comprising consulting practice, proprietary analytics models, data scientists and economists, marketing services, and managed services. It provides its services under the Visa, Visa Electron, V PAY, Interlink, and PLUS brands. The company serves consumers, sellers, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.

How this company scores

GoodMetricSide Score: 74/100

Strongest: Profitability (22/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability22/25

Growth21/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality18/25

Strengths

Strong marginsHigh ROECash-backed earningsConsistent free cash flow

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 27.5x5y range 19.7x – 31.0x

Currently near its 20-quarter median.

P/S · 13.9x5y range 10.1x – 16.0x

Currently near its 20-quarter median.

P/B · 17.6x5y range 8.3x – 17.6x

Currently above its 20-quarter median.

Price & Volume

Market Cap $620.57B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $44.49B
Q. Revenue: $11.63B
TTM EBITDA: $28.34B
TTM Op. Income: $27.00B
Q. Op. Income: $6.88B
TTM Net Income: $22.59B
Q. Net Income: $5.63B
EPS: N/A
Shares Out.: $1.67B

$44.49B in TTM revenue grew 14.4% YoY, reaching $11.63B last quarter. TTM EBITDA of $28.34B and TTM operating income of $27.00B show growth is flowing through to the bottom line. TTM net income of $22.59B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 62.3%
Op. Margin: 59.1%
Net Margin: 48.4%

Op. margin of 59.1% is down 1.6% YoY — costs are rising relative to revenue. Net margin at 48.4% Over the past year, operating margin is down 3% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 27.5x
P/S Ratio: 13.9x
P/B Ratio: 17.6x

At 27.5x P/E, the stock trades within typical market levels. P/S of 13.9x and P/B of 17.6x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 8% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $94.59B
Cash: $12.36B
Long-Term Debt: $20.86B
Book Value: $35.18B
D/E Ratio: 0.6
Debt/EBITDA: 2.9

With $94.59B in assets and $20.86B in long-term debt, D/E is 0.6and book value is $35.18B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 17% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.55B
TTM Free Cash Flow: $21.01B
FCF Margin: 47.2%
FCF / Net Income: 0.9

TTM FCF of $21.01B on $6.55B in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.