Bringing the fundamentals into focus…

Visa Inc. (V) fundamentals: overall 54/100 — StockQuotient

V Financial ServicesBeta data

Visa Inc.

$372.10+0.39%

Price as of close on Oct 7, 2026

Basics

Sector: Financial Services
Industry: Credit Services
Country: United States
Market cap: 698.6B USD
Full-time employees: 34,100

This snapshot is over eight days old. A refresh may be pending.

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
Drawback: less short-term liquidity (current ratio 0.98 vs a peer median of 1.98)less liquidity (current ratio 0.98 vs peers 1.98)
About average: growth and risk (debt, liquidity and share-price swings)growth and risk

Ranks #101 of 228 financial services companies (top 45%)

See how it ranks against its peers

Worth knowing

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $21.8B in FY Sep 2020 to $40.0B in FY Sep 2025.
Visa's fiscal-year revenue rose in each of the five years to FY Sep 2025, from $21.8B to $40.0B.

StockQuotient Score

54/ 100Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

22/100

Weak▼ 1 since Sep 30 close

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Sep 30, 2026 close: Score 23 → 22

Share price +3.6%-2
Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 1, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Earnings yield
▼ FCF yield
▼ EBITDA yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield3.2%

Yahoo Finance · trailing 12 monthsReported value30% base weight · Z-score -0.83Sector median: 0.0608 · MAD: 0.0354

EBITDA yield4.5%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -0.58Sector median: 0.0692 · MAD: 0.0421

Free cash flow yield3.0%

Yahoo Finance · trailing 12 months · operating cash flow − capital spendingReported value20% base weight · Z-score -0.53Sector median: 0.0632 · MAD: 0.0628

Other data (not scored)

Book yield5.1%

Yahoo FinanceReported valueInformational · 0% composite weightSector median: 0.8170 · MAD: 0.4382

Growth

Is it growing?

59/100

Moderate▲ 1 since Sep 30 close

3/3 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.4%

Why it changed since the Sep 30, 2026 close: Score 58 → 59

Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 1, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Helped by:

▲ Revenue growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth10.2%

Yahoo Finance · trailing 12 monthsReported value33% base weight · Z-score -0.01Sector median: 0.1040 · MAD: 0.2805

3-year revenue growth11.8%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score 0.21Sector median: 0.0999 · MAD: 0.0867

Revenue growth14.4%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.47Sector median: 0.0749 · MAD: 0.1470

Profitability

Does it earn well?

95/100

Strong

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROIC
▲ Operating margin

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin60.7%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 2.60Sector median: 0.2327 · MAD: 0.1442

Return on assets23.9%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score 6.11Sector median: 0.0257 · MAD: 0.0231

Return on invested capital45.7%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 7.67Sector median: 0.0634 · MAD: 0.0513

Other data (not scored)

Gross margin97.7%

Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.7851 · MAD: 0.2149

Return on equity61.2%

Yahoo Finance · trailing 12 monthsOutlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0942 · MAD: 0.0697

Risk

Debt, liquidity, price swings

Moderate

Moderate relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Held back by:

▼ Current ratio

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta0.76

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -0.23Sector median: 0.6895 · MAD: 0.3090

Current ratio0.98×

Yahoo FinanceReported value33% base weight · Z-score -0.84Sector median: 1.9820 · MAD: 1.1820

Debt / equity0.68×

Yahoo FinanceReported value33% base weight · Z-score -0.19Sector median: 0.5736 · MAD: 0.5434

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Jul 29, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	43.0B USD	44.5B USD	+3.4%
Net income (12 months)	22.2B USD	22.6B USD	+1.6%
Operating margin	61.1%	60.7%	−0.4 pts
Free cash flow (12 months)	21.2B USD	21.0B USD	−0.8%
Debt	24.0B USD	23.9B USD	−0.5%
Cash	12.4B USD	12.4B USD	−0.4%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Credit Services companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Sep 2021	FY Sep 2022	FY Sep 2023	FY Sep 2024	FY Sep 2025	Change
Operating margin	65.6%	64.2%	64.3%	65.7%	60.0%	▼ 5.7 pts
Net margin	51.1%	51.0%	52.9%	55.0%	50.1%	▼ 4.8 pts
Return on assets (ROA)	14.9%	17.5%	19.1%	20.9%	20.1%	▼ 0.8 pts
Return on equity (ROE)	32.8%	42.0%	44.6%	50.4%	52.9%	▲ 2.5 pts
Debt to equity	0.56×	0.63×	0.53×	0.53×	0.66×	▲ 25%
Interest coverage	—	34.97×	32.61×	36.81×	40.74×	▲ 11%

V price history

Price history is added with the daily price update and will appear after the next one.

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