Fundamentals Overview
Visa Inc. is near the high of its 52-week range with premium valuation, trading relatively flat today.
Valuation premium
Intrinsic value (DCF)
-37.1% downside vs price
Profitability
Risk (Beta)
0.75 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: B+ · Sentiment improving (4 upgrades) · 3M vs S&P 500: +5.5% · 3M vs Financial Services sector: +6.3%
Pressures (Sell):
DCF 37.1% downside vs price
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 11, Hold: 1, In Line: 2, Outperform: 10, Overweight: 6.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $223.82; current price is $356.02. That’s a -37.1% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 30.95 |
| DCF value (model) | $223.82 (-37.1% vs price) |
| PEG (TTM) | 2.62 |
| P/B (TTM) | 19.1 |
| P/S (TTM) | 15.86 |
| P/FCF (TTM) | 32.21 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 1.09 |
| Quick Ratio (TTM) | 1.09 |
| Cash Ratio (TTM) | 0.43 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 51.68% |
| Gross margin (TTM) | 81.29% |
| Operating margin (TTM) | 61.12% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for V.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Baird | maintain | Outperform | Outperform | 2026-07-07 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-06-30 |
| Truist Securities | maintain | Buy | Buy | 2026-05-12 |
| Macquarie | maintain | Outperform | Outperform | 2026-04-30 |
| Oppenheimer | maintain | Outperform | Outperform | 2026-04-29 |
| Cantor Fitzgerald | maintain | Overweight | Overweight | 2026-04-29 |
| UBS | maintain | Buy | Buy | 2026-04-29 |
| Evercore ISI Group | maintain | In Line | In Line | 2026-04-29 |
| Truist Securities | maintain | Buy | Buy | 2026-04-24 |
| BMO Capital | maintain | Outperform | Outperform | 2026-04-22 |
| Citigroup | maintain | Buy | Buy | 2026-04-14 |
| Evercore ISI Group | maintain | In Line | In Line | 2026-04-01 |
| UBS | maintain | Buy | Buy | 2026-03-31 |
| Freedom Broker | upgrade | Hold | Buy | 2026-02-17 |
| Freedom Capital Markets | upgrade | Hold | Buy | 2026-02-17 |
| Macquarie | maintain | Outperform | Outperform | 2026-01-30 |
| Morgan Stanley | maintain | Overweight | Overweight | 2026-01-30 |
| Cantor Fitzgerald | maintain | Overweight | Overweight | 2026-01-30 |
| RBC Capital | maintain | Outperform | Outperform | 2026-01-30 |
| Freedom Broker | maintain | Hold | Hold | 2025-12-23 |
| B of A Securities | upgrade | Neutral | Buy | 2025-12-11 |
| HSBC | upgrade | Hold | Buy | 2025-12-08 |
| UBS | maintain | Buy | Buy | 2025-10-29 |
| Raymond James | maintain | Outperform | Outperform | 2025-10-29 |
| Macquarie | maintain | Outperform | Outperform | 2025-10-29 |
| Baird | maintain | Outperform | Outperform | 2025-10-06 |
| Truist Securities | maintain | Buy | Buy | 2025-08-04 |
| Macquarie | maintain | Outperform | Outperform | 2025-07-31 |
| Barclays | maintain | Overweight | Overweight | 2025-07-31 |
| Morgan Stanley | maintain | Overweight | Overweight | 2025-07-30 |