Visa Inc. (V) 10-K Red Flags
Risk signals extracted deterministically from Visa Inc.’s SEC 10-K/10-Q XBRL filings — no LLM, every finding cites the underlying data.
Detected red flags (11)
- Receivables outpacing revenue: Accounts receivable grew +22.1% YoY vs revenue growth of +11.3%. The +10.7% spread suggests extended credit terms, channel stuffing risk, or collection deterioration. Investigate the allowance for doubtful accounts and DSO trend.
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 3 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- 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: Revenue grew +11.3% but receivables grew +22.1% — the receivables-to-revenue gap suggests growth may be partially driven by extended credit terms rather than genuine demand. If DSO continues to rise, a revenue reversal or bad-debt charge could follow.
- 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: Restatement of financial statements.
- Receivables outpacing revenue: Accounts receivable grew +22.1% YoY vs revenue growth of +11.3%. The +10.7% spread suggests extended credit terms, channel stuffing risk, or collection deterioration. Investigate the allowance for doubtful accounts and DSO trend.
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 3 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
Filings & ownership
- Latest annual report (10-K) filed Nov 6, 2025.
- Latest quarterly report (10-Q) filed Jul 29, 2026.
- 21 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 6 sell transactions — net selling $32.4M.
- ~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.
Full V analyst report
Valuation (DCF & Graham), technicals, macro exposure, risk scorecard and 13F/13D ownership.
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