| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 17 | 34.7x | 17.3x | Bottom tier | |
Growth | 67 | 14.4% | 7.1% | Top tier | |
Quality | 99 | — | — | Top tier | |
Safety | 47 | — | — | Around median | |
Capital Return | 90 | 0.63% | 0.06% | Top tier | |
Momentum | 91 | 6.5% | -1.5% | Top tier | |
Sentiment | 47 | 25 | 3 | Around median |
10-year US Treasury yield 5.13% as of 2026-10-21. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Visa Inc. connects banks, merchants, and fintech companies through a payment processing network, generating revenue from network services, data processing, and international transactions, alongside card issuance, payment acceptance, security, and advisory solutions. Its businesses include consumer payments, commercial payments, and money movement through Visa Direct, while Pismo expands its presence in issuer processing and cloud banking. In quarter 3 of fiscal year 2026 (ended 2026-06-30), payment volume exceeded 4 trillion dollars, growing 10% in constant currencies compared with the same quarter of the previous year, and processed transactions reached 72 billion, growing 10% on the same year-over-year basis.
According to EL7 data, revenue reached approximately 11.6 billion dollars in quarter 3 of fiscal year 2026, net income was 5.6 billion dollars, and diluted earnings per share were 2.97 dollars. The operating margin, as calculated by EL7, was 59.1% for the same period, while operating cash flow, according to EL7 data, was approximately 6.6 billion dollars. A reliable year-over-year comparison of revenue growth is unavailable because the line item's definition differs between the two periods. Diluted shares totaled 1.93 billion, down 1.3% compared with the same quarter of the previous year, supporting earnings per share by spreading earnings across a smaller share base.
Value-added services emerged as a source of revenue diversification, generating 3.8 billion dollars in revenue in quarter 3 of fiscal year 2026, growing 34% in constant currencies compared with the same quarter of the previous year. Management described them as accounting for nearly a third of revenue. Revenue from commercial payments and money movement solutions grew 17% in constant currencies on the same year-over-year basis, while Visa Direct transactions increased 21% to 4 billion. This mix combines broader use of Visa's network with sales of additional services to banks and merchants, but differences in revenue per transaction across products mean that growth in usage volumes does not always translate proportionately into revenue.
Q3 FY2026
When: 2026-10-27
Operating margin in reported results against the 59.1% benchmark
Value-added services revenue growth against the 34% benchmark
The median analyst target is 427 dollars, within a range of 350 dollars to 466 dollars among 12 analysts. This method reflects expectations of future growth and is inherently inclined toward optimism. The industry-multiple value is 126 dollars, within a range of 90 dollars to 210 dollars, based on earnings for the last 12 months through 2026-06-30 and a median multiple of 10.7 among 47 companies; it is a low-confidence indicative value that assesses the company according to how its peers' earnings are priced. The two methods' ranges do not overlap, and their divergence reflects the difference between expectations for Visa's growth and applying the industry multiple to its earnings; it does not justify selecting either as a single fair value. The weak comparison based on multiples is consistent with the valuation dimension's score of 7 out of 100 within the industry, ranking 82 among 85 companies according to data for the period ended 2026-06-30.
Figures in the text are as of 2026-10-20; the live price is shown at the top of the page.
Visa generates revenue from payment network services, data processing, and international transactions, and sells additional issuing, acceptance, security, and advisory solutions. Value-added services revenue reached 3.8 billion dollars in quarter 3 of fiscal year 2026 (ended 2026-06-30), growing 34% in constant currencies compared with the same quarter of the previous year. Products include Subscription Manager and Stop Payment Services, which had two billion payment credentials enrolled during the same period. Their importance lies in increasing the services Visa sells to its clients, with most of this business's revenue linked to transactions, cards, and accounts.
Visa Direct transactions increased 21% to 4 billion in quarter 3 of fiscal year 2026 (ended 2026-06-30), demonstrating broader use of transfers through the network. However, management said that Visa Direct typically generates lower revenue per transaction than card transactions, so its growth affects the revenue mix. In the same period, international transaction revenue grew 6% compared with the same quarter of the previous year, versus 12% growth in cross-border volumes in constant currencies excluding transactions within Europe. Transaction counts alone are therefore insufficient to assess performance; revenue per transaction and the product mix must also be considered.
Automated analysis for informational purposes only — not investment advice.
Global payment volume growth against the 10% benchmark
A news report published on 2026-10-13 stated that Visa had received approval from the People's Bank of China to begin formal preparations to establish a domestic bank card clearing institution. The approval represents a stage in the process of entering a domestic payments market historically dominated by players such as UnionPay. This wording does not mean that Visa has already begun domestic clearing operations. The step's financial significance depends on preparations progressing into operating activity, while the company's revenue, according to EL7 data, reached 11.6 billion dollars in quarter 3 of fiscal year 2026 (ended 2026-06-30).
Visa is working to incorporate stablecoins into its services, including prefunding using USDC through Visa Direct, whose launch was announced in a news report on 2026-10-15, with Inyo Global as the first user of the feature. The collaboration with Mesh, announced in a news report on 2026-10-19, also enables digital balances to be spent from wallets at 175 million merchant locations. On the 2026-07-28 call, management emphasized that its strategy encompasses multiple currencies and networks, while acknowledging that usage had not yet expanded beyond limited cases. These initiatives therefore combine the expansion of Visa's services with preparations to compete against digital payment channels that could replace some traditional uses.
The confirmed earnings announcement date is 2026-10-27, and it will test whether business strength has continued after quarter 3 of fiscal year 2026 (ended 2026-06-30). The operating margin of 59.1%, as calculated by EL7 for that quarter, provides a benchmark for assessing the impact of expenses and incentives on profitability. Value-added services revenue growth of 34% in constant currencies compared with the same quarter of the previous year also provides a benchmark for measuring the sustainability of diversification. Distinguishing usage growth from the effects of pricing, acquisitions, and FIFA services becomes more important when interpreting the results.