Visa
US.V
375.07
-3.68
-0.97%
Visa
375.07
-3.68
-0.97%
Collector offline (last heartbeat: 828s ago)
· 2026-09-04 20:02
Pre-market
374.88
-1.02%
After-hours
374.50
-0.15%
Overnight
378.25
-0.13%
Revenue annual, last 8 years
Latest year +11.34% YoY
Margins
- Gross margin
- 80.36%
- Operating margin
- 66.39%
- Net margin
- 49.63%
Key ratios & quality
- Enterprise value
- 707.69B
- PEG ratio
- 3.11
- Altman Z-Score
- 8.35
PEG uses trailing P/E against the 3-year net income growth rate (10.28%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 8.35, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 20.61B | -- | 21.85B | 24.11B | 29.31B | 32.65B | 35.93B | 40.00B |
| Gross profit | 16.75B | 18.81B | 17.33B | 19.14B | 23.58B | 26.09B | 28.88B | 32.15B |
| Selling & admin expenses | 2.58B | 2.76B | 2.48B | 2.52B | 3.04B | 3.22B | 3.79B | 4.37B |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 13.56B | 15.40B | 14.09B | 15.81B | 19.68B | 21.93B | 24.06B | 26.56B |
| Pretax profit | 12.81B | 14.88B | 13.79B | 16.06B | 18.14B | 21.04B | 23.92B | 24.19B |
| Tax | 2.51B | 2.80B | 2.92B | 3.75B | 3.18B | 3.76B | 4.17B | 4.14B |
| Net profit | 10.30B | 12.08B | 10.87B | 12.31B | 14.96B | 17.27B | 19.74B | 20.06B |
| Basic EPS | 4 | 5 | 5 | 6 | 7 | 8 | 10 | 10 |
| Diluted EPS | 4.42 | 5.32 | 4.89 | 5.63 | 7.00 | 8.28 | 9.73 | 10.20 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 9.59B | 10.17B | 10.72B | 10.90B | 11.23B | 11.63B |
| Gross profit | 7.71B | 8.20B | 8.74B | 8.90B | 9.13B | 8.90B |
| Selling & admin expenses | 973.00M | 1.09B | 1.38B | 1.13B | 1.23B | 1.40B |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 6.44B | 6.79B | 7.05B | 7.45B | 7.56B | 7.13B |
| Pretax profit | 5.44B | 6.33B | 6.22B | 6.73B | 7.17B | 6.83B |
| Tax | 861.00M | 1.06B | 1.13B | 873.00M | 1.15B | 1.21B |
| Net profit | 4.58B | 5.27B | 5.09B | 5.85B | 6.02B | 5.63B |
| Basic EPS | 2 | 3 | 3 | 3 | 3 | 3 |
| Diluted EPS | 2.32 | 2.69 | 2.62 | 3.03 | 3.14 | 2.97 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 18.22B | 20.97B | 27.65B | 27.61B | 30.21B | 33.53B | 34.03B | 37.77B |
| Cash & ST investments | 11.71B | 12.07B | 20.04B | 18.51B | 18.52B | 20.13B | 15.18B | 19.00B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 69.23B | 72.57B | 80.92B | 82.90B | 85.50B | 90.50B | 94.51B | 99.63B |
| Total current liabilities | 11.31B | 13.42B | 14.51B | 15.74B | 20.85B | 23.10B | 26.52B | 35.05B |
| Short-term debt | -- | -- | 3.00B | 999.00M | 2.25B | -- | -- | 5.57B |
| Long-term debt | 16.63B | 16.73B | 21.07B | 19.98B | 20.20B | 20.46B | 20.84B | 19.60B |
| Total liabilities | 35,219,000,000.00 | 37,890,000,000.00 | 44,709,000,000.00 | 45,307,000,000.00 | 49,920,000,000.00 | 51,766,000,000.00 | 55,374,000,000.00 | 61,718,000,000.00 |
| Total equity | 34.01B | 34.68B | 36.21B | 37.59B | 35.58B | 38.73B | 39.14B | 37.91B |
| Retained earnings | 11.32B | 13.50B | 14.09B | 15.35B | 16.12B | 18.04B | 17.29B | 15.11B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 32.93B | 38.40B | 37.77B | 35.00B | 31.63B | 31.00B |
| Cash & ST investments | 13.75B | 19.18B | 19.00B | 16.40B | 13.91B | 13.79B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 92.85B | 100.02B | 99.63B | 96.81B | 95.05B | 94.59B |
| Total current liabilities | 30.38B | 34.43B | 35.05B | 31.49B | 29.08B | 31.47B |
| Short-term debt | 3.95B | 5.55B | 5.57B | 1.59B | 1.56B | 3.00B |
| Long-term debt | 16.81B | 19.59B | 19.60B | 19.59B | 22.42B | 20.86B |
| Total liabilities | 54,823,000,000.00 | 61,360,000,000.00 | 61,718,000,000.00 | 58,037,000,000.00 | 59,388,000,000.00 | 59,412,000,000.00 |
| Total equity | 38.03B | 38.66B | 37.91B | 38.78B | 35.66B | 35.18B |
| Retained earnings | 16.52B | 15.96B | 15.11B | 16.02B | 13.12B | 12.75B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 12.94B | 12.78B | 10.44B | 15.23B | 18.85B | 20.76B | 19.95B | 23.06B |
| Depreciation & amortization | 613.00M | 656.00M | 767.00M | 804.00M | 861.00M | 943.00M | 1.03B | 1.22B |
| Free cash flow | 12.22B | 12.03B | 9.70B | 14.52B | 17.88B | 19.70B | 18.69B | 21.58B |
| Dividends paid | -1.92B | -2.27B | -2.66B | -2.80B | -3.20B | -3.75B | -4.22B | -4.63B |
| Stock buybacks / issuance | -7.19B | -8.61B | -8.11B | -8.68B | -11.59B | -12.10B | -16.71B | -18.32B |
| Ending cash balance | 10.98B | 10.83B | 19.17B | 19.80B | 20.38B | 21.99B | 19.76B | 24.99B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 4.70B | 6.73B | 6.24B | 6.78B | 3.01B | 6.55B |
| Depreciation & amortization | 305.00M | 317.00M | 316.00M | 326.00M | 333.00M | 367.00M |
| Free cash flow | 4.37B | 6.31B | 5.85B | 6.40B | 2.63B | 6.14B |
| Dividends paid | -1.16B | -1.15B | -1.15B | -1.29B | -1.29B | -1.27B |
| Stock buybacks / issuance | -4.60B | -4.78B | -4.93B | -3.73B | -7.90B | -4.81B |
| Ending cash balance | 19.14B | 24.44B | 24.99B | 23.18B | 18.71B | 18.77B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE % | 29.78 | 33.92 | 30.02 | 33.53 | 41.93 | 48.34 | 51.79 | 52.75 |
| ROA % | 14.49 | 16.43 | 13.65 | 14.66 | 17.38 | 19.31 | 21.03 | 20.45 |
| ROIC % | 20.87 | 22.83 | 19.16 | 21.26 | 26.63 | 31.58 | 34.33 | 32.07 |
| 5-year avg ROE % | 22.44 | 25.72 | 27.75 | 31.04 | 35.79 | 39.45 | 42.68 | 46.11 |
| EBIT margin % | 65.11 | 67.03 | 65.49 | 68.77 | 63.71 | 66.40 | 68.35 | 61.96 |
| FCF / sales % | 58.20 | 52.35 | 44.42 | 60.24 | 61.00 | 60.32 | 52.03 | 53.94 |
| Current ratio | 1.61 | 1.56 | 1.91 | 1.75 | 1.45 | 1.45 | 1.28 | 1.08 |
| Quick ratio | 1.28 | 1.24 | 1.58 | 1.41 | 1.08 | 1.07 | 0.84 | 0.75 |
| Debt / assets | 48.90 | 51.63 | 68.57 | 60.79 | 67.50 | 55.25 | 54.68 | 67.73 |
| LT debt / equity | 48.90 | 51.63 | 60.02 | 57.89 | 60.74 | 55.25 | 54.68 | 52.74 |
| Interest coverage | 21.92 | -- | 27.72 | 32.31 | 34.71 | 33.67 | 38.31 | 42.08 |
| Revenue CAGR (3Y) % | 14.08 | 15.07 | 5.97 | 5.36 | 8.45 | 14.34 | 14.23 | 10.92 |
| Net income CAGR (3Y) % | 17.64 | 26.33 | 17.50 | 6.12 | 7.38 | 16.71 | 17.05 | 10.28 |
| FCF CAGR (3Y) % | 25.59 | 33.54 | 4.07 | 5.91 | 14.13 | 26.61 | 8.78 | 6.47 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE % | 51.67 | 52.72 | 52.75 | 54.46 | 60.96 | 61.79 |
| ROA % | 21.21 | 21.00 | 20.45 | 21.82 | 23.45 | 23.01 |
| ROIC % | 33.35 | 32.22 | 32.07 | 35.94 | 38.55 | 37.94 |
| 5-year avg ROE % | -- | -- | -- | -- | -- | -- |
| EBIT margin % | 65.68 | 64.02 | 61.96 | 61.18 | 62.93 | 62.34 |
| FCF / sales % | 54.51 | 56.78 | 53.94 | 55.39 | 49.24 | 47.23 |
| Current ratio | 1.08 | 1.12 | 1.08 | 1.11 | 1.09 | 0.99 |
| Quick ratio | 0.68 | 0.78 | 0.75 | 0.73 | 0.67 | 0.63 |
| Debt / assets | 55.89 | 66.52 | 67.73 | 55.40 | 68.24 | 68.83 |
| LT debt / equity | 45.26 | 51.84 | 52.74 | 51.24 | 63.81 | 60.18 |
| Interest coverage | 34.71 | 44.86 | 42.08 | 42.13 | 43.60 | 35.74 |
| Revenue CAGR (3Y) % | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) % | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) % | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Payment services100.00%
Quote time 2026-09-04 20:02:33
For reference only, not investment advice.