# Visa Inc. (V) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $375.07, market value $700.3 billion.

## Valuation
- **P/E (trailing): 31.9×**. Visa Inc. trades at 31.9× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 25.0×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 15.7×**. Each dollar of revenue is priced at 15.7×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 19.9×**. The shares trade at 19.9× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 24.9×**. Enterprise value is 24.9× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 3.0%**. Free cash flow equals 3.0% of the market value.
- **Earnings yield: 3.1%**. The inverse of the P/E: 3.1% of the price is earned each year.

## Profitability
- **Operating margin: 61.3%**. 61.3% of revenue is left after running the business, an exceptional level.
- **Net margin: 50.1%**. 50.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 52.9%**. A 52.9% return on equity is extremely high; check whether buybacks or debt have shrunk the equity base, which flatters the ratio.
- **Return on invested capital: 46.9%**. Return on all capital, debt included, is 46.9%: comfortably above what that capital costs.
- **Return on assets: 22.7%**. Each dollar of assets produces 22.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 11.3%** (3-yr 10.9%/yr, 5-yr 12.9%/yr). Revenue grew 11.3% over the last year, against 12.9% a year compounded over five years.
- **Free-cash-flow growth (3 yr): 6.5%/yr**. Free cash flow has compounded at 6.5% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $17.2 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.71%** ($2.68 per share, trailing). Visa Inc. yields 0.71%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 23%** (24% of free cash flow). 23% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 18**. 18 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 14.9%/yr** (1-yr 13.5%). The dividend has compounded at 14.9% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: strong_buy** (37 analysts). 37 analysts cover Visa Inc.; the consensus is strong_buy, with an average price target of $419.36 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 7.5%** (YTD 7.4%, 3-mo 15.9%). The shares are up 7.5% over twelve months including dividends.
- **From 52-week high: -2.7%** (27.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.33** (volatility 22%). Beta of 0.33 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=V · Page: https://foliofundamentals.com/stocks/v

Not investment advice.