Seek Returns

Visa (V) Stock Analysis

This is a peer-relative look at Visa (V): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Visa (V)
Profile ItemV
NameVisa Inc. Class A
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization676.68 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateMarch 19, 2008
Security TypeCommon Stock

Price Performance

Cumulative Growth

V
GSPC
Loading price history…
Visa (V) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…
Trailing total returns for Visa (V) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Visa (V) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
Total Return (1Y)2.19%1.65%
Total Return (3Y, Annualized)15.02%11.13%
Total Return (5Y, Annualized)8.68%5.13%

Risk Profile

Drawdown History

V
GSPC
Loading price history…
Visa (V) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…
Distribution of monthly total returns for Visa (V) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
Volatility (1Y, Annualized)22.00%34.01%
Beta (5Y)0.751.04
Max Drawdown (5Y)-28.60%-49.62%

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. V is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
Sharpe Ratio (1Y)-0.08-0.06
Sortino Ratio (1Y)-0.13-0.09

Profitability

ROE (TTM)

Visa (V) posts ROE of 60.35%, above the industry benchmark range. Equity is being turned into profit at an exceptional rate, but very high ROE should still be checked against leverage, buybacks, and the size of the equity base.

V

Financial Services industry group

60.35%

Group distribution
V
60.35%
Max
42.17%
Q3
21.40%
Median
12.18%
Q1
4.84%
Min
-17.69%
Largest peers
MA
232.08%
V
60.35%
AXP
34.42%
GS
16.95%
BRK.B
10.50%
BRK.A
10.50%
MS
--
Loading chart…
Where Visa (V) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Visa (V) keeps 51.68% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

V

Financial Services industry group

51.68%

Group distribution
Max
66.55%
V
51.68%
Q3
30.72%
Median
16.62%
Q1
4.66%
Min
-26.88%
Largest peers
V
51.68%
MA
45.88%
GS
31.04%
MS
25.90%
BRK.B
19.31%
BRK.A
19.31%
AXP
16.31%
Loading chart…
Where Visa (V) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Visa (V) turns 67.35% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

V

Financial Services industry group

67.35%

Group distribution
Max
95.95%
V
67.35%
Q3
51.93%
Median
27.53%
Q1
12.21%
Min
-46.55%
Largest peers
V
67.35%
MA
60.84%
GS
42.32%
MS
41.57%
AXP
21.25%
BRK.B
14.35%
BRK.A
14.35%
Loading chart…
Where Visa (V) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
ROE (TTM)60.35%12.18%
ROA (TTM)19.19%2.70%
Net Margin (TTM)51.68%16.62%
Operating Margin (TTM)67.35%27.53%
Gross Margin (TTM)----

Growth

Revenue Growth

Visa (V) grew revenue 11.34%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Loading chart…
Visa (V): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Visa (V) grew earnings per share 4.83%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Loading chart…
Visa (V): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
Revenue Growth (YoY)11.34%8.98%
Revenue Growth (3Y CAGR)10.92%10.22%
EPS Growth (YoY)4.83%7.06%
EPS Growth (3Y CAGR)13.37%12.67%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Visa (V) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Visa (V) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Visa (V) has dividend yield of 0.72%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

V

Financial Services industry group

0.72%

Group distribution
Max
18.29%
Q3
8.41%
Median
1.57%
V
0.72%
Q1
0.00%
Min
0.00%
Largest peers
MS
1.97%
GS
1.61%
AXP
0.97%
V
0.72%
MA
0.60%
BRK.B
0.00%
BRK.A
0.00%
Loading chart…
Where Visa (V) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Visa (V) has payout ratio of 21.97%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

V

Financial Services industry group

21.97%

Group distribution
Max
228.57%
Q3
95.23%
Median
25.91%
V
21.97%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.31%
GS
26.25%
V
21.97%
AXP
21.29%
MA
18.23%
BRK.B
0.00%
BRK.A
0.00%
Loading chart…
Where Visa (V) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
Dividend Yield (TTM)0.72%1.57%
Dividend Payout Ratio (TTM)21.97%25.91%

Valuation

P/E Ratio (TTM)

Visa (V) trades at P/E ratio of 31.43, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

V

Financial Services industry group

31.43

Group distribution
Max
49.65
V
31.43
Q3
26.26
Median
15.26
Q1
9.56
Min
2.03
Largest peers
MA
31.65
V
31.43
AXP
21.98
MS
17.04
GS
16.29
BRK.B
14.62
BRK.A
14.62
Loading chart…
Where Visa (V) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Visa (V) trades at 15.73 on P/S ratio, above the industry benchmark range. The stock is being valued at an unusually rich price per dollar of trailing revenue.

V

Financial Services industry group

15.73

Group distribution
V
15.73
Max
10.06
Q3
4.96
Median
2.91
Q1
1.52
Min
-1.00
Largest peers
V
15.73
MA
14.01
GS
4.74
MS
4.37
AXP
3.48
BRK.B
2.81
BRK.A
2.81
Loading chart…
Where Visa (V) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Visa (V) trades at 19.09 on P/B ratio, above the industry benchmark range. Investors are putting an unusually rich price on each dollar of book equity relative to peers.

V

Financial Services industry group

19.09

Group distribution
V
19.09
Max
7.16
Q3
3.46
Median
1.62
Q1
0.91
Min
0.00
Largest peers
MA
71.05
V
19.09
AXP
7.04
MS
3.27
GS
2.96
BRK.A
1.45
BRK.B
0.00
Loading chart…
Where Visa (V) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Visa (V) metric values compared with Financial Services industry-group medians
MetricCurrent stock: VIndustry group median
P/E Ratio (TTM)31.4315.26
P/S Ratio (TTM)15.732.91
P/B Ratio (MRQ)19.091.62
Free Cash Flow Yield (TTM)----