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VV

Visa Inc.

$V·$673B·Financial - Credit Services·Financial Services
$402.61+0.7%YTD+5.1%1Y+20.0%
Price updated 7h ago·X counts updated 5d ago
VV
$VVisa Inc.
$402.61+0.72%919 posts1.4×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $V on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

919X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1.4×
QuietNormal · 1×Loud

How loud $V's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 94% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-15

Visa launches on-chain lending for stablecoin card programs, with stablecoin-linked card volume up nearly 200% YoY and settlement at a $20B annualized run rate — 15x last year. Chartists flag a breakout attempt to scale new highs.

Read what X is saying about $V

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $V — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-02

The move is getting stronger, with heavier trading behind it.

Payments monopoly adding stablecoin and on-chain lending — the AI-era payments story quietly works at scale.

Visa is the global card-network duopoly (with Mastercard) — the toll road on every tap-to-pay and e-commerce swipe worldwide. The stock is up 5% YTD against a weaker consumer-financials backdrop, with on-chain stablecoin volumes compounding at a 15x annualized run rate.

  • The business is quietly accelerating: revenue grew 17% YoY to $11.23B last quarter at a 61% operating margin — this is a 60%-margin monopoly growing double-digits, which is why the P/E of 28x holds through every macro cycle.
  • The stablecoin flywheel is a real new leg: on-chain lending for stablecoin card programs just launched, stablecoin-linked card volume up ~200% YoY, settlement at a $20B annualized run rate (15x last year) — the AI-era payments narrative is attaching to actual revenue, not just slideware.
  • The $405M litigation escrow deposit on Sep 18 is a routine capital-stack maintenance item, not a settlement event; the mandatory Class B dilution it triggered is purely structural.

Accelerating holds while cross-border and stablecoin volumes keep extending, with Oct 27 earnings as the next test. A soft cross-border print, or any specific regulatory headwind on interchange, is what cools the move; a stablecoin-volume beat with explicit FY27 guide-up is what extends it. Trading near its 52-week highs on a quiet-compounder base — the setup is best-in-class payments at a reasonable multiple.

Agrees with X sentimentX bulls on the on-chain lending launch, 200% YoY stablecoin card volume, and $20B settlement run rate are reading the mechanics correctly — this is a quality-mega-cap at new highs where the only real risk is multiple compression if cross-border volume softens.

What to watch: Oct 27 earnings — cross-border volume growth, stablecoin volume quantification, Services revenue trajectory, and FY27 guide. A sub-10% cross-border print or any regulatory interchange commentary is what breaks the breakout.

On the calendar: 2026-10-27 — Q4 FY26 earnings

Read the AI verdict on $V

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Operates VisaNet, the world's largest digital payments network, earning fees on transaction volume between consumers, merchants, and banks.

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 · Financial Services

No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix.

What this means for $V

Partial — Operates VisaNet, the world's largest digital payments network, earning fees on transaction volume between consumers, merchants, and banks.

Industry benchmark

19-name peer basket
-15.8%YTD
-20.1%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 $3.44

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

5-year forecast · up to 28 analysts
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.1.1×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.98%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.+8.1%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.+18.7%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 today0.4% 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.β0.775-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.

Recent transactions

SellOct 1Ryan McinerneyCEO5.9K sh$2.1MSellSep 9Julie B RottenbergGENERAL COUNSEL1.9K sh$688KSellSep 1Ryan McinerneyCEO5.9K sh$2.2MSellAug 31Julie B RottenbergGENERAL COUNSEL2.0K sh$773KSellAug 21Ryan McinerneyCEO5.9K sh$2.2MSellAug 21Rajat TanejaPresident17.9K sh$6.7MSellJul 30Mahon Tullier KellyChair57.3K sh$20.9MSellJul 2Julie B RottenbergGENERAL COUNSEL2.0K sh$730KSellJul 1Ryan McinerneyCEO10.5K sh$3.6MSellJun 29Ryan McinerneyCEO21.0K sh$7.1M
1–10 of 12
+ 15 other (12 exempts · 2 inkinds · 1 award) in window

See when $V insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

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

Visa Inc. amended its Amended and Restated Bylaws effective July 14, 2026, with the board designating specific courts for dispute resolution and making other bylaw modifications (the full list of amendments is cut off in the excerpt). This is a routine governance and legal administration bylaw update with no financial impact on Visa's operations.

8-KMaterial agreementMay 128-K — Item 1.01: Material agreement · Item 8.01: Other event
AI summary

V entered into a material definitive agreement (8-K Item 1.01, dated 2026-05-12). Material definitive agreement — investors should review the full exhibit for covenants, conditions, and use of proceeds.

8-KPress release / Reg FDMay 118-K — Item 7.01: Press release / Reg FD
AI summary

V filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-11. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

+ 11 other (2 routine 8-Ks · 2 10-Qs · 2 8-Ks · 1 25-NSE) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Visa Direct Accelerates Cross-Border Money Movement With Stablecoin Prefundingpymnts.com·11h agoCoca-Cola, Visa and Mastercard Hit Records as Investors Rotate Out of Chip Stocksbarrons.com·14h agoMastercard Now Lets Banks Hold Stablecoins and Dollars in One Account. What Changes for Customers?247wallst.com·19h agoVisa (V) Outperforms Broader Market: What You Need to Knowzacks.com·1d agoVisa Direct Launches Stablecoin-Powered Money Movement as Pilots Move to Productionbusinesswire.com·2d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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