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Visa Inc.
VFinancialsGenerated Jul 5, 2026, 08:09 PM UTC
V (Visa Inc.) analytical snapshot. Net income up ▲ +15.5% YoY. Debt/equity 0.79, current ratio 1.09, net debt $8.52B. Market cap $169.94B at $362.13 per share. EV/Operating income ≈ 8.50 (EV $178.46B). FCF DCF intrinsic value ≈ $1043.15 → implied upside +188.1%. Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 8 (data confidence 80%). Descriptive analytics from public filings — not investment advice.
Market cap
$169.94B
469.28M shares
Price
$362.13
NYQ
P/E (ttm)
—
Revenue (FY)
—
Net margin
—
Free cash flow
$19.70B
Risk level
Moderate
Free SEC analysis
— computed from SEC filings, free to readFree previewFundamentals Analyst
Fundamentals
Fundamentals Analyst
score 0Stable
80% conf
Net income up ▲ +15.5% YoY. Debt/equity 0.79, current ratio 1.09, net debt $8.52B.
- Net income up ▲ +15.5% YoY.
- Debt/equity 0.79, current ratio 1.09, net debt $8.52B.
Revenue (FY)
—
Net margin
—
ROE
—
ROA 18.28%
ROIC
—
EPS (diluted)
—
Free cash flow
$19.70B
Debt / equity
0.79
Cash $12.40B
Current ratio
1.09
Equity $26.44B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $12.70B | — | 0.00 | 60.60 | 42.81 | $6.65B | — |
| 2017 | $13.88B | +9.3% | 0.00 | 65.30 | 45.59 | $6.17B | — |
| 2018 | $15.08B | +8.7% | 0.00 | 52.27 | 39.72 | $5.05B | — |
| 2019 | $18.36B | +21.7% | 0.00 | 66.15 | 36.49 | $8.61B | — |
| 2020 | $20.61B | +12.3% | 0.00 | 62.86 | 49.98 | $12.22B | — |
| 2021 | — | — | — | — | — | $12.03B | — |
| 2022 | — | — | — | — | — | $9.70B | — |
| 2023 | — | — | — | — | — | $14.52B | — |
| 2024 | — | — | — | — | — | $17.88B | — |
| 2025 | — | — | — | — | — | $19.70B | — |
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Jun 30, 2018 | $5.24B | -61.2% | — | 142.29% |
| Dec 31, 2018 | $5.51B | +13.2% | +5.1% | 54.07% |
| Mar 31, 2019 | $11.00B | +10.7% | +99.8% | 54.13% |
| Mar 31, 2019 | $5.49B | -44.7% | -50.1% | 108.37% |
| Jun 30, 2019 | $16.84B | +11.0% | +206.5% | 53.77% |
| Jun 30, 2019 | $5.84B | -61.5% | -65.3% | 155.05% |
Revenue (annual, SEC 10-K)
2016: 12,702
2017: 13,880
2018: 15,082
2019: 18,358
2020: 20,609
2021: 0
2022: 0
2023: 0
2024: 0
2025: 0
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
GrossOperatingNet
Free cash flow (annual)
2016: 6,652
2017: 6,170
2018: 5,051
2019: 8,610
2020: 12,223
2021: 12,028
2022: 9,704
2023: 14,522
2024: 17,879
2025: 19,696
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst
Filings & Ownership
Regulatory Analyst
score -10Stable
80% conf
Latest annual report (10-K) filed Nov 6, 2025. Latest quarterly report (10-Q) filed Apr 29, 2026. 19 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Nov 6, 2025.
- Latest quarterly report (10-Q) filed Apr 29, 2026.
- 19 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 6 sell transactions — net selling $25.1M.
- ~10,000+ recent 13F-HR filings reference Visa Inc.; broad institutional reporting.
- Recent filers include CAPITAL & PLANNING, LLC, Axiom Investment Management LLC, Capital Wealth Planning, LLC.
- 20 recent 13G passive institutional ownership notices.
Latest 10-K
Nov 6, 2025
Annual report
Latest 10-Q
Apr 29, 2026
8-K (recent)
19
Insider net
-$25.1M
0B/6S
13F filers
10k+
Activist 13D
0
Recent 13F institutional filers (SEC EDGAR full-text)
| Filer | Form | Filed |
|---|---|---|
| CAPITAL & PLANNING, LLC | 13F-HR | Feb 13, 2026 |
| Axiom Investment Management LLC | 13F-HR | Mar 16, 2021 |
| Capital Wealth Planning, LLC | 13F-HR | Nov 15, 2016 |
| Axiom Investment Management LLC | 13F-HR | Mar 16, 2021 |
| Axiom Investment Management LLC | 13F-HR | Mar 16, 2021 |
Recent insider Form 4 activity
| Insider | Date | Net | Buys/Sells |
|---|---|---|---|
| MCINERNEY RYAN | Jul 2, 2026 | -$3.6M | 0/2 |
| MCINERNEY RYAN | Jun 30, 2026 | -$7.1M | 0/1 |
| Suh Chris | May 13, 2026 | -$3.5M | 0/1 |
| MCINERNEY RYAN | Apr 30, 2026 | -$10.7M | 0/1 |
| CARNEY LLOYD | Mar 12, 2026 | -$201.3K | 0/1 |
Recent 8-K material events
| Date | Form | Description |
|---|---|---|
| Jun 26, 2026 | 8-K | 8-K |
| May 12, 2026 | 8-K | 8-K |
| May 11, 2026 | 8-K | 8-K |
| Apr 28, 2026 | 8-K | 8-K |
| Feb 27, 2026 | 8-K | 8-K |
| Feb 13, 2026 | 8-K | 8-K |
| Feb 12, 2026 | 8-K | 8-K |
| Jan 29, 2026 | 8-K | 8-K |
Insider Form 4 sentiment (transactions)
Buys: 0
Sells: 6
Buys
Sells
Free previewSEC Filing Analyst
SEC Filing Deep-Analysis
SEC Filing Analyst
score -50Deteriorating
64% conf
3 risk signal(s), 1 positive signal(s), 2 watch item(s) detected from XBRL filing diff analysis. 3 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Going concern doubt: The term "going concern" appears in 6 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- Material weakness in internal controls: The term "material weakness" appears in 18 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Restatement of financial statements: The term "restate" "financial statements" appears in 6 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Operating cash flow exceeds net income: OCF is 1.20x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- NEW: Impairment charge: Impairment charge appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- NEW: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 3 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 2 new risk-language term(s) detected in filing text: Impairment charge, Off-balance sheet arrangements.
- Ongoing high-severity risk language: Going concern doubt, Material weakness in internal controls, Restatement of financial statements.
Revenue
$20.61B
+12.3% YoY
Operating income
$21.00B
+11.6% YoY
Net income
$17.27B
+15.5% YoY
Operating cash flow
$20.75B
+10.1% YoY
Capex
$1.06B
+9.2% YoY
Total assets
$94.51B
+4.4% YoY
Total liabilities
$55.37B
+7.0% YoY
Long-term debt
$24.07B
+43.9% YoY
Filing quality score
72/100
1 new disclosures
SEC XBRL metric changes (latest annual vs prior)
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $18.36B | $20.61B | $2.25B | +12.3% |
| Operating income | $18.81B | $21.00B | $2.19B | +11.6% |
| Net income | $14.96B | $17.27B | $2.32B | +15.5% |
| Operating cash flow | $18.85B | $20.75B | $1.91B | +10.1% |
| Capex | $970.0M | $1.06B | $89.0M | +9.2% |
| Total assets | $90.50B | $94.51B | $4.01B | +4.4% |
| Total liabilities | $51.77B | $55.37B | $3.61B | +7.0% |
| Long-term debt | $16.73B | $24.07B | $7.34B | +43.9% |
| Cash & equivalents | $16.29B | $11.97B | $-4.31B | -26.5% |
| Stockholders equity | $23.19B | $25.01B | $1.82B | +7.9% |
| Accounts receivable | $2.29B | $2.56B | $270.0M | +11.8% |
| Interest expense | $143.0M | $72.0M | $-71.0M | -49.7% |
XBRL disclosure changes (new vs dropped concepts)
| Type | Concepts |
|---|---|
| Added | ContractWithCustomerLiability |
| Removed | AccruedIncomeTaxesCurrent, AccruedIncomeTaxesNoncurrent, AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AmortizationOfIntangibleAssets, CapitalizedComputerSoftwareAccumulatedAmortization, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DebtInstrumentCarryingAmount |
Risk language in filing text (EDGAR full-text search)
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 6 | 1 | Ongoing |
| Material weakness in internal controls | high | 18 | 2 | Ongoing |
| Restatement of financial statements | high | 6 | 2 | Ongoing |
| Impairment charge | medium | 9 | 0 | NEW |
| Restructuring | medium | 65 | 9 | Ongoing |
| Off-balance sheet arrangements | medium | 17 | 0 | NEW |
| Related party transactions | low | 32 | 1 | Ongoing |
Filing signal breakdown
Red flags: 3
Positive: 1
Watch: 2
Red flags
Positive
Watch
Unlock the rest
- ProValuationMarket cap $169.94B at $362.13 per share.
- ProPrice & TechnicalsPrice $362.13 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Moderate.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Visa Inc. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%
Analytical read
deterministic previewMarket cap $169.94B at $362.13 per share..
Risk
Moderate
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Peer comparison
Rate-sensitive groupHow V stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V● you | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
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