Visa Inc. (V) stock analysis
Company overview and business model
Source fact: 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.
Classification: NYSE · Financial Services · Credit Services
Revenue and growth
Source fact: Revenue was USD 40.00 billion for the period ending 2025-09-30.
Caverian calculation: Revenue changed +11.3% (FY2025 vs FY2024).
Profitability
Source fact: Net income was USD 20.06 billion in the latest reported period.
Source metric: Reported net margin was 50.1%.
Balance sheet and liquidity
Source fact: Cash and equivalents were USD 17.16 billion.
Source fact: Total debt was USD 25.17 billion.
Source metric: Current ratio was 1.08x.
Cash-flow analysis
Source fact: Operating cash flow was USD 23.06 billion.
Source fact: Free cash flow was USD 21.58 billion.
Valuation
Source metrics: Trailing P/E 31.15x; Forward P/E 24.76x; Price to book 19.66x; Price to sales 15.57x; EV/EBITDA 22.27x.
Caverian model output: Value score was 32/100.
Competitive position
Classification: Peer context: Credit Services within Financial Services.
Caverian model output: Quality score was 85/100.
Caverian model output: Growth score was 74/100.
Material risks
Caverian calculation: Altman Z-score was 8.26 (safe zone).
Caverian calculation: Piotroski F-score was 6/9.
Data sources and freshness
Freshness: This report uses a stored upstream snapshot; statement periods are shown alongside the figures.
Methodology and limitations
Facts reproduce stored upstream fields. Calculations derive only from the displayed stored statements. Model outputs are Caverian interpretations, not investment advice or a buy/sell recommendation.
How Caverian approaches valuation · Sources and product principles