Visa Inc.
$379.37-0.6%YTD+5.6%1Y+8.4%
Mentions · last 7 days
499+15%
Price updated 3h ago·X counts updated 9d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $V, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Financial - Credit Services sits in its cycle right now — and what that implies for $V.
Financial - Credit Services
Consumer credit quality is the central variable; delinquency trends in credit cards and auto loans determine reserve requirements and loss expectations. Rate normalization improves NIM dynamics but a credit cycle turn would offset those gains.
What this means for $V
Partial — net interest margin and credit quality are the primary earnings drivers; Visa Inc.
Industry benchmark
18-name peer basket
-2.2%YTD
-11.9%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
27.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
32.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
61.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
3.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
14.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
58.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
81.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Jul 28, 2026$3.32$3.23+2.8%
Q1 2026Apr 28, 2026$3.31$3.10+6.8%
Q4 2025Jan 29, 2026$3.17$3.14+1.0%
Q3 2025Oct 28, 2025$2.98$2.97+0.3%
Next earningsTue, Oct 27·consensus EPS $3.43
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$11.2B+17.1%81.3%64.4%$3.15$2.6B
Q1 FY26$10.9B+14.6%81.7%61.8%$3.03$6.4B
Q4 FY25$10.7B+11.5%81.5%57.3%$2.62$5.8B
Q3 FY25$10.2B+14.3%80.6%60.7%$2.69$6.3B
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$45.6B$44.6B – $46.0B$13.15$12.75 – $13.2827
FY27$50.4B$49.2B – $51.2B$14.92$14.56 – $15.1428
FY28$55.5B$53.3B – $57.7B$16.86$15.96 – $17.8025
FY29$62.4B$60.8B – $63.7B$19.32$18.70 – $19.8412
FY30$64.9B$63.3B – $66.2B$18.94$18.33 – $19.4512
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.96%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+6.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+14.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMega float · 1.7B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.3% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.765-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.
Insider activity
Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.
SEC filings
Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.
Recent material filings
8-KCharter amendmentJul 158-K — Item 5.03: Charter amendment
AI summary
8-KMaterial agreementMay 128-K — Item 1.01: Material agreement · Item 8.01: Other event
AI summary
8-KPress release / Reg FDMay 118-K — Item 7.01: Press release / Reg FD
AI summary
+ 19 other (2 10-Qs · 2 8-Ks · 2 425s · 2 13Gs) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
Prediction: If Artificial Intelligence (AI) Leads to Unprecedented Economic Growth, These 2 S&P 500 Stocks Are Once-in-a-Decade Buying Opportunities Right NowBill Ackman Just Bought Visa, Mastercard, and S&P Global Stock. Each One Collects a Toll on Somebody Else's Sale.Is Visa an Undervalued Stock to Buy?Blue Edge Capital LLC Takes Position in Visa Inc. $VBill Ackman Just Made His Biggest Portfolio Overhaul in Years, Adding Netflix, Visa, and Mastercard to Pershing Square. What's the Thesis Behind the Switch?
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