USB vs. V: A Head-to-Head Stock Comparison

Updated on August 28, 2025

Here’s a clear look at USB and V, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	USB	V
Company Name	U.S. Bancorp	Visa Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Financial Services
Market Capitalization	74.95 billion USD	677.04 billion USD
Exchange	NYSE	NYSE
Listing Date	May 3, 1973	March 19, 2008
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of USB and V by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

USB vs. V: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	USB	V
5-Day Price Return	4.22%	1.86%
13-Week Price Return	11.69%	-2.56%
26-Week Price Return	2.21%	-1.80%
52-Week Price Return	8.98%	30.19%
Month-to-Date Return	7.12%	0.97%
Year-to-Date Return	0.69%	10.37%
10-Day Avg. Volume	7.88M	5.59M
3-Month Avg. Volume	9.70M	6.30M
3-Month Volatility	21.66%	21.07%
Beta	1.10	0.92

Profitability

Return on Equity (TTM)

USB

11.55%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

USB’s Return on Equity of 11.55% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

V

52.65%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

V’s Return on Equity of 52.65% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

USB vs. V: A comparison of their Return on Equity (TTM) against their respective Banks and Financial Services industry benchmarks.

Net Profit Margin (TTM)

USB

20.01%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, USB’s Net Profit Margin of 20.01% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

V

52.16%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

A Net Profit Margin of 52.16% places V in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

USB vs. V: A comparison of their Net Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

USB

25.22%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

USB’s Operating Profit Margin of 25.22% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

V

62.21%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

An Operating Profit Margin of 62.21% places V in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

USB vs. V: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	USB	V
Return on Equity (TTM)	11.55%	52.65%
Return on Assets (TTM)	1.01%	21.39%
Net Profit Margin (TTM)	20.01%	52.16%
Operating Profit Margin (TTM)	25.22%	62.21%
Gross Profit Margin (TTM)	--	80.23%

Financial Strength

Current Ratio (MRQ)

USB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

V

1.12

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

USB vs. V: A comparison of their Current Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

USB

1.29

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

V

0.65

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

USB vs. V: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

USB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

V

24.71

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

USB vs. V: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	USB	V
Current Ratio (MRQ)	--	1.12
Quick Ratio (MRQ)	--	1.06
Debt-to-Equity Ratio (MRQ)	1.29	0.65
Interest Coverage Ratio (TTM)	--	24.71

Growth

Revenue Growth

USB vs. V: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

USB vs. V: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

USB

4.80%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

USB’s Dividend Yield of 4.80% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

V

0.68%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

V’s Dividend Yield of 0.68% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

USB vs. V: A comparison of their Dividend Yield (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

USB

50.28%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

USB’s Dividend Payout Ratio of 50.28% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

V

22.33%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

V’s Dividend Payout Ratio of 22.33% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

USB vs. V: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	USB	V
Dividend Yield (TTM)	4.80%	0.68%
Dividend Payout Ratio (TTM)	50.28%	22.33%

Valuation

Price-to-Earnings Ratio (TTM)

USB

10.48

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

USB’s P/E Ratio of 10.48 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

V

32.82

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

A P/E Ratio of 32.82 places V in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

USB vs. V: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

USB

2.10

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

V

17.12

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

USB vs. V: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

USB

1.15

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

USB’s P/B Ratio of 1.15 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

V

17.81

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

At 17.81, V’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

USB vs. V: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	USB	V
Price-to-Earnings Ratio (TTM)	10.48	32.82
Price-to-Sales Ratio (TTM)	2.10	17.12
Price-to-Book Ratio (MRQ)	1.15	17.81
Price-to-Free Cash Flow Ratio (TTM)	9.31	30.15