| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 22 | 31.9x | 18.2x | Bottom tier | |
Growth | 68 | 14.4% | 7.1% | Top tier | |
Quality | 99 | — | — | Top tier | |
Safety | 47 | — | — | Around median | |
Capital Return | 61 | 0.16% | 2.10% | Around median | |
Momentum | 82 | 5.6% | 2.9% | Top tier | |
Sentiment | 61 | 25 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, 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. operates a global payments network connecting financial institutions, merchants, and consumers, generating revenue from transaction processing, network services, cross-border payments, commercial solutions, money movement, and value-added services. In Q3 fiscal 2026, quarterly payments volume exceeded $4 trillion for the first time in the company’s history, and processed transactions rose 10% to 72 billion, with credentials growing 8% and tokenization penetration approaching 60% of e-commerce transactions globally. Commercial and money movement solutions revenue also grew 17%, while value-added services revenue increased 34% in constant currency to $3.8 billion, representing nearly one-third of the company’s quarterly revenue.
Net revenue reached $11.6 billion in Q3 fiscal 2026, up 14% year over year and 13% in constant currency, while adjusted earnings per share rose 11% to $3.32. Global payments volume grew 10%, cross-border volume excluding intra-Europe transactions grew 12%, and cross-border e-commerce volume grew 16%. By revenue component, service revenue increased 14%, data processing revenue 17%, international transaction revenue 6%, and other revenue 45%, but client incentives increased 18% and adjusted operating expenses rose 17%.
EDGAR data for Q2 fiscal 2026 shows revenue of $11.2 billion and net income of $6.0 billion, compared with revenue of $10.9 billion and net income of $5.9 billion in Q1 fiscal 2026. Fiscal 2025 revenue was approximately $40.0 billion and net income was $20.1 billion, while twelve-month revenue recorded within fiscal 2026 data reached $43.0 billion and net income reached $22.2 billion. The data did not include a gross profit figure, so a documented gross margin cannot be derived, but net income in Q2 fiscal 2026 was equivalent to approximately 53.6% of reported revenue for that quarter.
The average analyst price target is $419.06, within a wide range of $350 to $460, with the consensus rated Buy. The average target exceeds the upper end of the 52-week range of $385.5699, and the high target of $460 is approximately 19.3% above it, but the low target of $350 falls within the 52-week range of $293.89 to $385.5699, reflecting meaningful divergence in analyst estimates. The data did not provide a usable earnings multiple or recent reductions in Visa price targets, so the stock’s valuation here is based on the target range relative to the 52-week range and the company’s ability to balance revenue and value-added services growth against rising expenses and incentives.
Figures in the text are as of 2026-08-26; the live price is shown at the top of the page.
Net revenue reached $11.6 billion, up 14% year over year, and adjusted earnings per share rose 11% to $3.32. Payments volume exceeded $4 trillion for the first time in Visa’s history, with processed transactions growing 10% to 72 billion. Cross-border volume excluding intra-Europe transactions also grew 12%, and value-added services revenue increased 34% in constant currency to $3.8 billion.
Commercial and money movement solutions revenue grew 17% in constant currency in Q3 fiscal 2026, and commercial payments volume increased 13%. Visa Direct transactions rose 21% to 4 billion, with expanded usage at DoorDash and agreements with Corpay, Al Rajhi Bank, and Nuvei. The consulting unit also completed 1,200 projects for more than 700 clients across more than 100 countries and territories during the same quarter.
Visa stated on July 28, 2026, that it operates more than 150 AI-powered applications and launched more than 300 major product releases during the preceding twelve months. Teams using the agentic toolchain achieved an 80% increase in code commits, requirements definition time fell from 30 days to 5 days, and feature development accelerated by more than 65%. In agentic commerce, Visa is working with OpenAI to secure payments and with Meta to enable payment methods across Facebook and Instagram using Visa Intelligent Commerce and digital tokens.
Automated analysis for informational purposes only — not investment advice.
On August 4, 2026, Visa signed a definitive agreement to acquire BioCatch for $2.4 billion in cash from funds managed by Permira and other shareholders. BioCatch specializes in combating digital fraud through behavioral biometrics, and Visa intends to integrate its technology into its security solutions. The deal adds specialized capabilities to the risk and security portfolio, but it also requires substantial cash expenditure and successful integration execution.
Management expects Q4 fiscal 2026 net revenue growth at the high end of the low teens and earnings per share growth at the low end of the mid-teens. For fiscal 2026, it expects revenue growth at the low end of the low teens and earnings per share growth at the low end of the mid-teens, with a tax rate ranging from 18% to 18.25%. The guidance assumes continued stability in consumer spending but includes a greater impact from lower currency volatility and slightly higher client incentive growth than in Q3.
Adjusted operating expenses rose 17% in Q3 fiscal 2026 versus 14% revenue growth, and the company recorded $563 million in GAAP severance costs. International transaction revenue also grew only 6% despite 12% growth in cross-border volume, due to currency volatility and mix, while client incentives rose 18%. In addition, management expected the unusually elevated growth in cross-border e-commerce after June and July 2026 to moderate, while stablecoins and agentic commerce remain in the early stages of adoption.
