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Visa Inc. — Intrinsic Value & Fair Price

V
NYSEFinancial ServicesFinancial - Credit ServicesCIK 0001403161visa.com/en-usAbout V
Last close · Oct 16, 2026402.61+2.86 (+0.72%)
Market cap$751.7B
Model value · DCF · Perpetuity growth · 5y
286.74
Visa closed at $402.61 — overvalued by 40% vs model.
183.61the model's range705.41

DCF · Perpetuity growth · 5y leads for profitable growth — positive operating income and three years of positive free cash flow. From a five-year discounted cash flow.

Other models
75.49 – 361.85
Wall St. target
430.00 6% below
Above model, 1y
20 of 20 days

Price and model value

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What the marks mean
Daily close

Dividends

Quarterly · as of Oct 16, 2026
Yield, trailing 12 months
0.67%
Past 2 years
low 0.61%high 0.85%
Dividends per share, a year at a time
$1.28Aug ’21$1.50Aug ’22$1.80Aug ’23$2.08Aug ’24$2.36Aug ’25$2.68TTM
Dividends / free cash flow, FY2025
21.5%
Raised
17+ years in a row
Growth, 5 yrs
15.9% a year
Last change
+13.6% · Nov 2025
Every payment, with ex-dates · latest $0.67, paid Sep 1, 2026

Research on V

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How it is valued

Valued asProfitable Growth
Moderate growth (~11% recent)High profitability (50% net margin)Moderately volatile earnings
What growth the price implies: the reverse DCF

Key figures

FY2025
P/E
—
EV / EBITDA
29.2×
FCF yield
2.8%
Dividend yield, TTM
0.67%
Beta
0.77
Cost of capital (WACC)
8.45%
Full financials

Analyst actions

third-party, quoted
10-15BMO Capital · target425.00
10-12Robert W. Baird · target430.00
08-31RBC Capital · target466.00
02-17Freedom Broker · “Buy” from “Hold”upgrade
Ratings, targets and estimates

Comparable companies

by business, not by industry label
1 more company lists V as a comparable
Side by side:vs AXPvs MA

The weekly

One email a week across every stock we cover: 13F filings, insider trades, earnings and new research. It covers the whole market, not just V. No account.

About Visa

Visa Inc. functions globally as a leading technology company dedicated to payments. Its primary role is to enable the secure and efficient digital transfer of funds among a wide array of participants, including individual consumers, retail businesses, banking institutions, corporations, strategic partners, and governmental bodies. At the heart of its operations is VisaNet, a highly sophisticated transaction processing network that handles the critical functions of authorizing, clearing, and settling all payment transactions. In addition to this core infrastructure, the company also provides a variety of card products, innovative digital platforms, and an extensive range of supplementary value-added services. These offerings are distributed under several widely recognized brands, including Visa, Visa Electron, Interlink, VPAY, and PLUS. Demonstrating its commitment to enhancing user experience, Visa Inc. has established a key strategic partnership with Ooredoo in Qatar, focused on improving payment solutions for Visa cardholders and Ooredoo customers within the country. The company was established in 1958 and its corporate headquarters are situated in San Francisco, California.

CEO
Ryan McInerney
Headquarters
San Francisco, CA
Employees
34,100
IPO
2008-03-19
Full company profile

Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; the formulas are in how we value a stock.