Visa Inc

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About Visa Inc

Visa Inc. is an American multinational payment card services corporation headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards.

Visa does not issue cards, extend credit, or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa’s global network processed 100 billion transactions during 2014 with a total volume of US$6.8 trillion.

Visa was founded in 1958 by Bank of America as the BankAmericard credit card program. In response to competitor Master Charge, BofA began to license the BankAmericard program to other financial institutions in 1966. By 1970, BofA gave up direct control of the BankAmericard program, forming a cooperative with the other various BankAmericard issuer banks to take over its management. It was then renamed Visa in 1976.

CEO Ryan McInerney
FOUNDED19 September 1958
HEADQUARTERSSan Francisco, California United States
WEBSITEvisa.com
NUMBER OF EMPLOYEES31,600
SECTORFinancial
INDUSTRYCredit Services
IndexDJIA, S&P 500
Market Cap685.84B
Income19.64B
Sales37.62B
Book/sh19.12
Cash/sh9.08
Dividend Est.2.40 (0.68%)
Dividend TTM2.29 (0.65%)
Dividend Ex-DateMay 13, 2025
Employees31600
Option/ShortYes / Yes
Sales Surprise0.45%
SMA200.12%
P/E35.97
Forward P/E27.78
PEG2.85
P/S18.23
P/B18.5
P/C38.95
P/FCF33.44
Quick Ratio1.08
Current Ratio1.08
Debt/Eq0.55
LT Debt/Eq0.44
EPS Surprise2.99%
SMA503.40%
EPS (ttm)9.83
EPS next Y12.73
EPS next Q2.84
EPS this Y12.69%
EPS next Y12.43%
EPS next 5Y12.63%
EPS past 5Y13.34%
Sales past 5Y9.69%
EPS Y/Y TTM12.45%
Sales Y/Y TTM10.19%
EPS Q/Q1.87%
Sales Q/Q9.33%
SMA20012.31%
Insider Own12.00%
Insider Trans-0.10%
Inst Own80.07%
Inst Trans1.78%
ROA21.21%
ROE50.03%
ROI35.81%
Gross Margin77.10%
Oper. Margin67.39%
Profit Margin52.21%
Payout21.69%
EarningsApr 29 AMC
Trades13,239
Shs Outstand1.72B
Shs Float1.71B
Short Float1.52%
Short Ratio3.66
Short Interest25.86M
52W Range252.70 – 369.15
52W High-4.19%
52W Low39.96%
RSI (14)53.12
Recom1.57
Rel Volume0.91
Avg Volume7.07M
Volume1,211,071
Perf Week-3.13%
Perf Month5.35%
Perf Quarter1.09%
Perf Half Y13.41%
Perf Year28.17%
Perf YTD11.91%
Beta0.94
ATR (14)6.79
Volatility1.32% 0.90%
Target Price384.15
Prev Close357.97
Price353.68
Change-1.20%
Information edited and updated on 23/05/2025 

KEY FINANCIALS


Institutional Ownership

VANGUARD GROUP INC8.25%
BlackRock, Inc.7.39%
STATE STREET CORP4.24%
FMR LLC2.93%
MORGAN STANLEY2.59%
PRICE T ROWE ASSOCIATES INC /MD/2.19%
GEODE CAPITAL MANAGEMENT, LLC2.15%
JPMORGAN CHASE & CO1.36%
BANK OF AMERICA CORP /DE/1.27%
Capital World Investors1.20%

Income Statement

PeriodTTMFY 2024FY 2023
Period End Date9/30/20249/30/2023
Period Length12 Months12 Months12 Months
Total Revenue37,621.0035,926.0032,653.00
Cost of Goods Sold Incl. D&A8,616.008,076.007,510.00
Gross Profit29,005.0027,850.0025,143.00
Selling, General and Administrative Excl. Other3,654.003,689.003,126.00
Research and Development
Other Operating Expense0.000.000.00
Operating Income25,351.0024,161.0022,017.00
Interest Expense712.00641.00644.00
Unusual Expense1,395.00566.001,101.00
Net Income Before Taxes23,999.0023,916.0021,037.00
Income Taxes4,113.004,173.003,764.00
Consolidated Net Income19,642.0019,457.0016,989.00
Net Income From Continuing Operations19,642.0019,457.0016,989.00
Net Income19,642.0019,457.0016,989.00
EPS (Recurring)10.459.788.52
EPS (Basic, Before Extraordinaries)10.129.778.30
EPS (Diluted)9.839.598.15
EBITDA26,476.0025,195.0022,960.00
Non-Operating Income (Expense)755.00962.00765.00
Other After Tax Adjustments-244.00-286.00-284.00
Stock Option Compensation Expense712.70689.00622.00
Price To Earnings Ratio36.4136.4129.89
Price To Sales Ratio18.3915.5314.69
Gross Margin77.1077.5277.00
Operating Margin67.3967.2567.43
Net Margin52.2154.1652.03
Shares Outstanding1,942.911,965.992,022.94
Market Capitalization694,161.11694,161.11543,711.15
values in Millions, USD

Balance Sheet

PeriodFY 2024FY 2023
Period End Date9/30/20249/30/2023
Cash & Short Term Investments19,439.0022,827.00
Short Term Receivables7,847.004,680.00
Inventories0.000.00
Other Current Assets6,747.006,025.00
Total Current Assets34,033.0033,532.00
Net Property, Plant & Equipment4,697.003,913.00
Total Investments and Advances3,737.003,272.00
Long-Term Note Receivable
Intangible Assets45,830.0044,101.00
Deferred Tax Assets140.00126.00
Other Assets6,074.005,555.00
Total Assets94,511.0090,499.00
Short Term Debt Incl. Current Port. of LT Debt150.00106.00
Accounts Payable479.00375.00
Income Tax Payable577.001,500.00
Other Current Liabilities25,311.0021,117.00
Total Current Liabilities26,517.0023,098.00
Long Term Debt21,521.0020,875.00
Provision for Risks Charges0.000.00
Deferred Tax Liabilities5,301.005,114.00
Other Liabilities2,035.002,679.00
Total Liabilities55,374.0051,766.00
Non-Equity Reserves00
Preferred Stock – Carrying Value1,031.001,698.00
Common Equity38,106.0037,035.00
Total Shareholders Equity39,137.0038,733.00
Accumulated Minority Interest0.000.00
Total Equity39,137.0038,733.00
Total Liabilities & Stockholders Equity94,511.0090,499.00
Book Value Per Share19.3818.31
Tangible Book Value Per Share-3.93-3.49
Full-Time Employees31,60028,800
Price to Book Ratio18.7214.26
Return on Assets21.0319.31
Return on Equity49.9745.72
Return on Invested Capital32.0828.5
Quick Ratio1.281.45
Current Ratio1.281.45
values in Millions, USD

Cash Flow

PeriodTTMFY 2024FY 2023
Period End Date9/30/20249/30/2023
Period Length12 Months12 Months12 Months
Net Income19,886.0019,743.0017,273.00
Depreciation1,125.001,034.00943.00
Other Funds (Non Cash)15,778.0014,705.0013,044.00
Funds from Operations36,671.0035,382.0030,777.00
Extraordinary Item0.000.000.00
Changes in Working Capital-14,782.00-15,432.00-10,022.00
Income Taxes Payable
Cash from Operating Activities21,889.0019,950.0020,755.00
Capital Expenditures-1,381.00-1,257.00-1,059.00
Net Assets From Acquisitions-887.00-915.000.00
Sale of Fixed Assets and Businesses0.000.000.00
Purchase or Sale of Investments4,138.00339.00-1,324.00
Purchase of Investments-998.00-4,674.00-4,484.00
Sale Or Maturity of Investments5,136.005,013.003,160.00
Other Uses-71.00-93.00-25.00
Other Sources0.000.00402.00
Cash from Investing Activities1,799.00-1,926.00-2,006.00
Cash Dividends Paid-4,431.00-4,217.00-3,751.00
Change in Capital Stock-18,584.00-16,378.00-11,841.00
Repurchase of Common Pref Stock-18,982.00-16,713.00-12,101.00
Sale of Common Pref Stock398.00335.00260.00
Proceedsfrom Stock Options0.000.000.00
Issuance or Reduction of Debt, Net0.000.00-2,250.00
Change in Long Term Debt0.000.00-2,250.00
Issuance of Long Term Debt0.000.000.00
Reduction of Long Term Debt0.000.00-2,250.00
Net Financing Active Other Cash Flow-500.00-38.0070.00
Other Financing Activities Uses-467.00-208.00-130.00
Cash from Financing Activities-23,515.00-20,633.00-17,772.00
Exchange Rate Effect15382636
Net Change in Cash188.00-2,227.001,613.00
Free Cash Flow20,508.0018,693.0019,696.00
Preferred Dividends (Cash Flow)
Price to Free Cash Flow43.0338.5430.08
values in Millions, USD

Visa Inc at a Glance

Visa Inc Financials at a glance including: EPS, Sales, Shares Outstanding, SPY Comparison, Short Interest, Short Interest History, EPS Performance and Forecast, GAAP EPS Performance and Forecast, Revenue Performance and Forecast, Price Reactions to Earnings Reports, Latest Revisions, Revenue by Products and Services, Revenue by Regions, Revenue by Segment, Dividends, and Dividend Payout History.
Please Note: Information edited and updated on 23/05/2025

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Abbreviations

Index – Major index membership                          

Market Cap – Market capitalization

Income – Trailing 12 months income

Sales – Trailing 12 months revenue

Book/sh – Most recent quarter book value a share

Cash/sh – Most recent quarter cash per share Dividend Est. – Analysts’ dividend estimate (fiscal year) Dividend TTM – Trailing 12-month dividend Dividend Ex-Date – Ex-dividend date Employees – Number of full-time employees Option/Short – Stock has options on a market exchange/stock is available to sell short Sales Surprise – Last quarter revenue surprise SMA20 – Stock price distance from 20-day simple moving average P/E – Price-to-Earnings (trailing 12-months) Forward P/E – Forward Price-to-Earnings (next fiscal year) PEG – Price-to-Earnings-to-Growth P/S – Price-to-Book (most recent quarter) P/B – Price-to-Book (most recent quarter) P/C – Price to cash per share (most recent quarter) P/FCF – Price to Free Cash Flow (trailing 3-months) Quick Ratio – Quick Ratio (most recent quarter) Current Ratio – Current Ratio (most recent quarter) Debt/Eq – Total Debt to Equity (most recent quarter) LT Debt/Eq – Long Term Debt to Equity (most recent quarter) EPS Surprise – Last quarter Earnings-Per-Share surprise SMA50 – Stock price distance from 50-Day Simple Moving Average EPS (ttm) – Diluted Earnings-Per-Share (trailing 3-months) EPS next Y – Earnings-Per-Share estimate for next year EPS next Q – Earnings-Per-Share estimate next quarter EPS this Y - Earnings-Per-Share growth this year EPS next Y - Earnings-Per-Share estimate for next year EPS next 5Y – Long term annual growth estimate (5 years) EPS past 5Y – Annual Earnings-Per-Share growth past 5 years Sales past 5Y – Annual sales growth past 5 years EPS Y/Y TTM – Earnings-Per-Share growth (trailing 3 months) Sales Y/Y TTM – Sales growth (trailing 3 months) EPS Q/Q – Quarterly earnings growth (Year-on-Year) Sales Q/Q – Quarterly revenue growth (Year-on-Year) SMA200 – Stock price distance from 2-Day Simple Moving Average Insider Own – Percentage insider ownership of company shares Insider Trans – Insider transactions (6-month change in Insider Ownership) Inst Own – Institutional ownership Inst Trans - Institutional transactions (3-month change in Institutional Ownership) ROA – Return on Assets (trailing 3-months) ROE – Return on Equity (trailing 3-months) ROI – Return on Investment (trailing 3-months) Gross Margin – Gross Margin (trailing 3-months) Oper. Margin – Operating Margin (trailing 3-months) Profit Margin – Net Profit Margin (trailing 3-months) Payout – Dividend Payout Ratio (trailing 3-months) Earnings – BMO = Before Market Open / AMC = After Market Close Shs Outstand – Shares outstanding Shs Float – Shares float Short Float – Short interest share Short Ratio – Short interest ratio Short Interest – Short interest 52W Range – 52-Week trading range 52W High – Distance from 52-Week High 52W Low - Distance from 52-Week Low RSI (14) – Relative Strength Index Perf Week – Performance (Week) Perf Month – Performance (Month) Perf Quarter – Performance (Quarter) Perf Half Y - Performance (Half Year) Perf Year – (Year) Perf YTD - Performance (Year-To-Date) Beta - Beta ATR (14) – Average True Range Volatility – Volatility (Week, Month) Target Price – Analysts’ mean target price Price – Current stock price

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