Visa Financials

V Stock  USD 274.49  0.26  0.09%   
Based on the key measurements obtained from Visa's financial statements, Visa Class A may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Visa's Total Liabilities is fairly stable compared to the past year. Total Current Assets is likely to climb to about 40.5 B in 2024, whereas Short and Long Term Debt Total is likely to drop slightly above 12.3 B in 2024. Key indicators impacting Visa's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Equity0.50.51
Fairly Down
Pretty Stable
Current Ratio1.341.31
Fairly Up
Very volatile
The financial analysis of Visa is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Visa includes many different criteria found on its balance sheet. For example, investors should never minimize Visa's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Visa's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Visa.

Cash And Equivalents

12.56 Billion

With this module, you can analyze Visa financials for your investing period. You should be able to track the changes in Visa individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Visa Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Visa's financial statements are interrelated, with each one affecting the others. For example, an increase in Visa's assets may result in an increase in income on the income statement.

Visa Earnings Geography

The data published in Visa's official financial statements usually reflect Visa's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Visa Class A. For example, before you start analyzing numbers published by Visa accountants, it's critical to develop an understanding of what Visa's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Visa's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Visa's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Visa's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Visa Class A. Please utilize our Beneish M Score to check the likelihood of Visa's management manipulating its earnings.

Visa Stock Summary

Visa competes with American Express, Capital One, Upstart HoldingsInc, Ally Financial, and SoFi Technologies. Visa Inc. operates as a payments technology company worldwide. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California. Visa operates under Business Services classification in the United States and is traded on New York Stock Exchange.
Foreign Associate
  Mexico
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS92826C8394
CUSIP92826C839
LocationCalifornia; U.S.A
Business AddressPO Box 8999,
SectorFinancial Services
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.visa.com
Phone650 432 3200
CurrencyUSD - US Dollar
You should never invest in Visa without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Visa Stock, because this is throwing your money away. Analyzing the key information contained in Visa's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Visa Key Financial Ratios

Generally speaking, Visa's financial ratios allow both analysts and investors to convert raw data from Visa's financial statements into concise, actionable information that can be used to evaluate the performance of Visa over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Visa Class A reports annually and quarterly.

Visa Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets80.9B82.9B85.5B90.5B104.1B52.9B
Other Current Liab6.0B7.5B18.3B22.7B26.1B27.4B
Net Debt7.8B4.5B6.8B4.2B4.8B5.0B
Cash16.3B16.5B15.7B16.3B18.7B19.7B
Other Current Assets1.2B1.4B1.3B4.2B4.8B5.0B
Total Liab44.7B45.3B49.9B51.8B59.5B62.5B
Total Current Assets27.6B27.6B30.2B33.5B38.6B40.5B
Short Term Debt3.0B999M2.3B106M121.9M115.8M
Other Liab8.7B9.6B8.9B7.5B8.6B6.7B
Retained Earnings14.1B15.4B16.1B18.0B20.7B21.8B
Accounts Payable174M266M340M375M431.3M452.8M
Other Assets6.6B7.2B7.1B7.0B8.1B8.5B
Long Term Debt21.1B20.0B20.2B20.5B23.5B24.7B
Net Receivables2.9B3.7B4.0B4.5B5.1B5.4B
Inventory3.5B4.0B6.5B4.8B5.5B3.7B
Good Will15.9B16.0B17.8B18.0B20.7B15.1B
Intangible Assets27.8B27.7B25.1B26.1B30.0B21.1B
Common Stock194K21.9B21.9B22.2B25.5B26.7B
Net Tangible Assets(12.6B)(9.1B)(9.6B)(8.9B)(8.0B)(7.6B)
Long Term Debt Total16.7B21.1B20.0B20.2B23.2B15.5B
Capital Surpluse16.5B16.7B18.9B19.5B17.6B14.8B

Visa Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Visa's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense516M513M538M644M740.6M777.6M
Total Revenue21.8B24.1B29.3B32.7B37.6B39.4B
Gross Profit17.3B19.1B23.6B26.1B30.0B31.5B
Operating Income14.1B15.8B18.8B21B24.2B25.4B
Ebit14.1B15.8B18.8B20.4B23.5B24.6B
Ebitda14.9B16.6B20.5B21.3B24.5B25.8B
Income Before Tax13.8B16.1B18.1B21.0B24.2B25.4B
Net Income10.9B12.3B15.0B17.3B19.9B20.9B
Income Tax Expense2.9B3.8B3.2B3.8B4.3B4.5B
Cost Of Revenue4.5B5.0B5.7B6.6B7.6B7.9B
Tax Provision2.9B3.8B3.2B3.8B4.3B3.5B
Net Interest Income(516M)(513M)(538M)(644M)(579.6M)(608.6M)
Interest Income533M516M218M765M879.8M571.1M

Visa Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Visa Class A. It measures of how well Visa is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Visa brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Visa had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Visa has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change To Inventory484M(295M)1.1B1.2B1.4B1.5B
Change In Cash8.3B628M578M1.6B1.9B1.1B
Free Cash Flow9.7B14.5B17.9B19.7B22.7B23.8B
Depreciation767M804M861M943M1.1B570.8M
Other Non Cash Items6.5B7.4B10.4B12.3B14.1B14.8B
Capital Expenditures736M705M970M1.1B1.2B1.3B
Net Income10.9B12.3B15.0B17.3B19.9B20.9B
End Period Cash Flow19.2B19.8B20.4B22.0B25.3B26.6B
Dividends Paid2.7B2.8B3.2B3.8B4.3B4.5B
Investments2.2B519M(4.3B)(2.0B)(1.8B)(1.7B)
Change Receivables(1.9B)1.8B(811M)(494M)(444.6M)(422.4M)
Net Borrowings6.9B(3B)2.2B(2.3B)(2.0B)(1.9B)
Change To Netincome578M8.8B10.7B12.6B14.4B15.2B

Visa Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Visa's current stock value. Our valuation model uses many indicators to compare Visa value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Visa competition to find correlations between indicators driving Visa's intrinsic value. More Info.
Visa Class A is rated first in return on equity category among related companies. It is rated first in return on asset category among related companies reporting about  0.34  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Visa Class A is roughly  2.90 . At this time, Visa's Return On Equity is fairly stable compared to the past year.Comparative valuation analysis is a catch-all model that can be used if you cannot value Visa by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Visa's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Visa's earnings, one of the primary drivers of an investment's value.

Visa's Earnings Breakdown by Geography

Visa Class A Systematic Risk

Visa's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Visa volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Visa Class A correlated with the market. If Beta is less than 0 Visa generally moves in the opposite direction as compared to the market. If Visa Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Visa Class A is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Visa is generally in the same direction as the market. If Beta > 1 Visa moves generally in the same direction as, but more than the movement of the benchmark.

About Visa Financials

What exactly are Visa Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Visa's income statement, its balance sheet, and the statement of cash flows. Potential Visa investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Visa investors may use each financial statement separately, they are all related. The changes in Visa's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Visa's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Visa Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Visa is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Visa has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Visa's financials are consistent with your investment objective using the following steps:
  • Review Visa's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Visa's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Visa's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Visa's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

Visa Thematic Clasifications

Visa Class A is part of several thematic ideas from Warren Buffett Holdings to Macroaxis Index. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Visa Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Visa's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Visa growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.81

At this time, Visa's Price Earnings To Growth Ratio is fairly stable compared to the past year.

Visa May 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Visa help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Visa Class A. We use our internally-developed statistical techniques to arrive at the intrinsic value of Visa Class A based on widely used predictive technical indicators. In general, we focus on analyzing Visa Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Visa's daily price indicators and compare them against related drivers.
When determining whether Visa Class A is a strong investment it is important to analyze Visa's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Visa's future performance. For an informed investment choice regarding Visa Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Visa Class A. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in real.
You can also try the My Watchlist Analysis module to analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like.

Complementary Tools for Visa Stock analysis

When running Visa's price analysis, check to measure Visa's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Visa is operating at the current time. Most of Visa's value examination focuses on studying past and present price action to predict the probability of Visa's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Visa's price. Additionally, you may evaluate how the addition of Visa to your portfolios can decrease your overall portfolio volatility.
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Is Visa's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Visa. If investors know Visa will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Visa listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.124
Dividend Share
2.01
Earnings Share
8.95
Revenue Per Share
16.876
Quarterly Revenue Growth
0.099
The market value of Visa Class A is measured differently than its book value, which is the value of Visa that is recorded on the company's balance sheet. Investors also form their own opinion of Visa's value that differs from its market value or its book value, called intrinsic value, which is Visa's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Visa's market value can be influenced by many factors that don't directly affect Visa's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Visa's value and its price as these two are different measures arrived at by different means. Investors typically determine if Visa is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Visa's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.