Visa Inc. logo V.BA - Visa Inc.

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STRONG
BUY
0
BUY 40
HOLD 6
SELL 0
STRONG
SELL
0
Metric 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3
Revenue
Revenue 10,724.0 10,172.0 9,594.0 9,510.0 9,617.0 8,900.0 8,775.0 8,634.0 8,609.0 8,123.0
Cost of Revenue 1,981.0 1,973.0 1,881.0 2,020.0 1,817.0 1,773.0 1,792.0 1,660.0 1,695.0 1,663.0
Gross Profit 8,743.0 8,199.0 7,713.0 7,490.0 7,800.0 7,127.0 6,983.0 6,974.0 6,914.0 6,460.0
Operating Expenses
R&D Expenses 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
SG&A Expenses 1,376.0 1,090.0 973.0 930.0 1,167.0 912.0 950.0 764.0 988.0 744.0
Other Expenses 1,219.0 932.0 1,305.0 326.0 284.0 277.0 249.0 247.0 376.0 692.0
Operating Expenses 2,595.0 2,022.0 2,278.0 1,256.0 1,451.0 1,189.0 1,199.0 1,011.0 1,364.0 1,436.0
Operating Income
Operating Income 6,148.0 6,177.0 5,435.0 6,234.0 6,349.0 5,938.0 5,810.0 5,954.0 5,550.0 5,024.0
Interest Expense 210.0 39.0 158.0 182.0 176.0 196.0 82.0 187.0 183.0 182.0
Interest Income 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Profitability
EBITDA 6,749.0 6,689.0 5,901.0 6,664.0 6,822.0 6,449.0 5,844.0 6,476.0 6,066.0 5,563.0
EBIT 6,433.0 6,372.0 5,596.0 6,382.0 6,548.0 6,185.0 5,595.0 6,229.0 5,819.0 5,328.0
Income Before Tax 6,223.0 6,333.0 5,438.0 6,200.0 6,372.0 5,989.0 5,513.0 6,042.0 5,636.0 5,146.0
Income Tax Expense 1,133.0 1,061.0 861.0 1,081.0 1,054.0 1,117.0 850.0 1,152.0 955.0 990.0
Net Income 5,090.0 5,272.0 4,577.0 5,119.0 5,318.0 4,872.0 4,663.0 4,890.0 4,681.0 4,156.0
Per Share Data
EPS (Basic) 2.62 2.69 2.32 0.13 0.13 0.12 0.11 0.12 0.11 0.10
EPS (Diluted) 2.62 2.69 2.32 2.58 2.65 0.12 0.11 0.12 0.11 0.10
Shares Outstanding 1,924.0 1,709.0 35,103.3 40,060.0 40,060.0 39,980.3 39,358.8 40,178.8 40,638.8 40,939.4
Metric 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3
Current Assets
Cash & Cash Equivalents 17,164.0 17,092.0 11,734.0 12,367.0 11,975.0 12,947.0 12,993.0 13,591.0 16,286.0 15,590.0
Short-Term Investments 1,833.0 2,088.0 2,017.0 1,967.0 3,200.0 3,697.0 4,710.0 5,005.0 3,842.0 3,166.0
Net Receivables 7,317.0 7,698.0 6,963.0 6,273.0 7,015.0 4,649.0 5,830.0 5,031.0 4,474.0 4,736.0
Inventory 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Other Current Assets 11,452.0 11,520.0 12,220.0 12,015.0 10,653.0 9,746.0 9,242.0 9,105.0 8,930.0 8,178.0
Total Current Assets 37,766.0 38,398.0 32,934.0 32,622.0 34,033.0 31,039.0 32,775.0 32,732.0 33,532.0 31,670.0
Non-Current Assets
Property, Plant & Equipment 4,236.0 4,143.0 4,023.0 3,974.0 3,824.0 3,766.0 3,630.0 3,472.0 3,425.0 3,370.0
Goodwill 19,879.0 19,880.0 19,641.0 19,548.0 18,941.0 18,816.0 18,837.0 18,120.0 17,997.0 18,082.0
Intangible Assets 27,646.0 27,660.0 26,408.0 25,889.0 26,889.0 26,243.0 26,375.0 26,739.0 26,104.0 26,576.0
Long-Term Investments 999.0 1,203.0 1,470.0 1,757.0 2,545.0 3,037.0 3,092.0 2,809.0 1,921.0 2,122.0
Other Non-Current Assets 9,101.0 8,740.0 8,377.0 8,098.0 8,279.0 8,139.0 7,690.0 7,537.0 7,520.0 7,414.0
Total Non-Current Assets 61,861.0 61,626.0 59,919.0 59,266.0 60,478.0 60,001.0 59,624.0 58,677.0 56,967.0 57,564.0
Total Assets 99,627.0 100,024.0 92,853.0 91,888.0 94,511.0 91,040.0 92,399.0 91,409.0 90,499.0 89,234.0
Current Liabilities
Account Payables 555.0 462.0 421.0 405.0 479.0 331.0 338.0 348.0 375.0 281.0
Short-Term Debt 5,569.0 5,548.0 3,948.0 3,929.0 0.0 0.0 0.0 0.0 0.0 0.0
Deferred Revenue 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Other Current Liabilities 28,924.0 15,120.0 14,433.0 13,993.0 20,471.0 21,030.0 22,040.0 12,014.0 12,688.0 11,654.0
Total Current Liabilities 35,048.0 34,427.0 30,381.0 29,091.0 26,517.0 22,612.0 23,443.0 22,634.0 23,098.0 21,230.0
Non-Current Liabilities
Long-Term Debt 19,602.0 19,590.0 16,814.0 16,680.0 20,836.0 20,602.0 20,603.0 20,703.0 20,463.0 20,560.0
Deferred Tax Liabilities 5,549.0 5,755.0 5,160.0 5,192.0 5,301.0 5,119.0 5,145.0 5,275.0 5,114.0 5,380.0
Other Non-Current Liabilities 1,519.0 1,588.0 2,468.0 2,629.0 2,720.0 2,978.0 2,723.0 3,064.0 3,091.0 3,083.0
Total Non-Current Liabilities 26,670.0 26,933.0 24,442.0 24,501.0 28,857.0 28,699.0 28,471.0 29,042.0 28,668.0 29,023.0
Total Liabilities 61,718.0 61,360.0 54,823.0 53,592.0 55,374.0 51,311.0 51,914.0 51,676.0 51,766.0 50,253.0
Stockholders' Equity
Common Stock 0.0 0.0 0.0 0.0 0.0 0.0 0.0 20,490.0 0.0 20,290.0
Retained Earnings 15,106.0 15,956.0 16,518.0 17,438.0 17,289.0 18,578.0 19,347.0 18,422.0 18,040.0 17,908.0
Accumulated Other Comprehensive Income 124.0 209.0 (827.0) (1,247.0) (308.0) (1,106.0) (1,173.0) (655.0) (1,317.0) (978.0)
Total Stockholders' Equity 37,909.0 38,664.0 38,030.0 38,296.0 39,137.0 39,729.0 40,485.0 39,733.0 38,733.0 38,981.0
Total Liabilities & Equity 99,627.0 100,024.0 92,853.0 91,888.0 94,511.0 91,040.0 92,399.0 91,409.0 90,499.0 89,234.0
Debt Metrics
Total Debt 25,171.0 25,138.0 20,762.0 20,609.0 20,836.0 20,602.0 20,603.0 20,703.0 20,463.0 20,560.0
Net Debt 8,007.0 8,046.0 9,028.0 8,242.0 8,861.0 7,655.0 7,610.0 7,112.0 4,177.0 4,970.0
Metric 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3
Operating Activities
Net Income 5,090.0 5,272.0 4,577.0 5,119.0 5,318.0 4,872.0 4,663.0 4,890.0 4,681.0 4,156.0
Depreciation & Amortization 316.0 317.0 305.0 282.0 274.0 264.0 249.0 247.0 247.0 235.0
Stock-Based Compensation 0.0 223.0 259.0 224.0 188.0 211.0 242.0 209.0 174.0 184.0
Change in Working Capital (3,384.0) (3,529.0) (4,091.0) (4,168.0) (2,746.0) (3,777.0) (3,787.0) (5,122.0) (1,283.0) (1,777.0)
Other Non-Cash Items 4,411.0 4,014.0 3,769.0 3,901.0 3,631.0 3,595.0 3,298.0 3,331.0 3,338.0 3,091.0
Operating Cash Flow 6,238.0 6,730.0 4,695.0 5,396.0 6,664.0 5,134.0 4,538.0 3,614.0 6,927.0 5,797.0
Investing Activities
Capital Expenditure (389.0) (421.0) (327.0) (345.0) (309.0) (400.0) (281.0) (267.0) (305.0) (295.0)
Acquisitions 0.0 0.0 19.0 (906.0) 0.0 0.0 (915.0) 0.0 0.0 0.0
Purchases of Investments (27.0) (17.0) (18.0) (6.0) (212.0) (762.0) (946.0) (2,754.0) (1,586.0) (341.0)
Sales/Maturities of Investments 556.0 200.0 226.0 2,042.0 1,147.0 1,721.0 1,008.0 1,137.0 750.0 650.0
Other Investing Activities 164.0 (18.0) (30.0) 5.0 (42.0) (4.0) (42.0) (5.0) (47.0) 3.0
Investing Cash Flow 304.0 (256.0) (130.0) 790.0 584.0 555.0 (1,176.0) (1,889.0) (1,188.0) 17.0
Financing Activities
Net Debt Issuance 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Stock Repurchased (4,927.0) (4,782.0) (4,596.0) (4,011.0) (5,848.0) (4,527.0) (2,758.0) (3,580.0) (3,751.0) (3,041.0)
Dividends Paid (1,146.0) (1,154.0) (1,164.0) (1,170.0) (1,041.0) (1,056.0) (1,060.0) (1,060.0) (928.0) (937.0)
Other Financing Activities 18.0 4,108.0 100.0 (294.0) (161.0) 272.0 (56.0) 261.0 99.0 59.0
Financing Cash Flow (6,000.0) (1,828.0) (5,660.0) (5,475.0) (7,069.0) (5,311.0) (3,874.0) (4,379.0) (4,580.0) (3,919.0)
Cash Position
Net Change in Cash (673.0) 5,305.0 (830.0) 203.0 487.0 328.0 (688.0) (2,354.0) 951.0 1,911.0
Cash at Beginning 20,827.0 19,136.0 19,966.0 19,763.0 19,276.0 18,948.0 19,636.0 21,990.0 21,039.0 19,128.0
Cash at End 20,154.0 24,441.0 19,136.0 19,966.0 19,763.0 19,276.0 18,948.0 19,636.0 21,990.0 21,039.0
Free Cash Flow 5,849.0 6,309.0 4,368.0 5,051.0 6,355.0 4,734.0 4,257.0 3,347.0 6,622.0 5,502.0
Key Metrics 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3
Income Statement
Revenue 10,724.0 10,172.0 9,594.0 9,510.0 9,617.0 8,900.0 8,775.0 8,634.0 8,609.0 8,123.0
Gross Profit 8,743.0 8,199.0 7,713.0 7,490.0 7,800.0 7,127.0 6,983.0 6,974.0 6,914.0 6,460.0
Operating Income 6,148.0 6,177.0 5,435.0 6,234.0 6,349.0 5,938.0 5,810.0 5,954.0 5,550.0 5,024.0
Net Income 5,090.0 5,272.0 4,577.0 5,119.0 5,318.0 4,872.0 4,663.0 4,890.0 4,681.0 4,156.0
EPS (Diluted) 2.62 2.69 2.32 2.58 2.65 0.12 0.11 0.12 0.11 0.10
Balance Sheet
Cash & Equivalents 17,164.0 17,092.0 11,734.0 12,367.0 11,975.0 12,947.0 12,993.0 13,591.0 16,286.0 15,590.0
Total Assets 99,627.0 100,024.0 92,853.0 91,888.0 94,511.0 91,040.0 92,399.0 91,409.0 90,499.0 89,234.0
Total Debt 25,171.0 25,138.0 20,762.0 20,609.0 20,836.0 20,602.0 20,603.0 20,703.0 20,463.0 20,560.0
Stockholders' Equity 37,909.0 38,664.0 38,030.0 38,296.0 39,137.0 39,729.0 40,485.0 39,733.0 38,733.0 38,981.0
Cash Flow
Operating Cash Flow 6,238.0 6,730.0 4,695.0 5,396.0 6,664.0 5,134.0 4,538.0 3,614.0 6,927.0 5,797.0
Capital Expenditure (389.0) (421.0) (327.0) (345.0) (309.0) (400.0) (281.0) (267.0) (305.0) (295.0)
Free Cash Flow 5,849.0 6,309.0 4,368.0 5,051.0 6,355.0 4,734.0 4,257.0 3,347.0 6,622.0 5,502.0