V
Visa Inc.Financial ServicesCredit ServicesQuality
$328.16 · 15min delay
β 0.78A high-quality mega-cap compounder trading near fair value. Frameworks sharply disagree on it.
52-wk low $293.8952-wk high $375.51
Mkt Cap
$624.08B
P/E
—
PEG
1.67
P/B
16.38
Dividend
0.83%
ROE
60.3%
About the business
Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a platform which facilitates money movement, enabling clients to collect, hold, convert, and send funds across its network; and issuing solutions, such as airport lounge access, dining reservations, shopping experiences, event tickets, and seller offers. In addition, the company provides acceptance solutions, an omnichannel payment integration with e-commerce platforms; risk detection and prevention solutions; and advisory and other services comprising consulting practice, proprietary analytics models, data scientists and economists, marketing services, and managed services. It provides its services under the Visa, Visa Electron, V PAY, Interlink, and PLUS brands. The company serves consumers, sellers, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.
Who would buy V?
Consensus 31/100 · Polarized · Investors strongly disagree — this is where Prism is most useful.
2 7 6
Endorses
· 2 frameworks- Joel Greenblatt· Magic Formula100/100
ROE > 20% 60.3% clears "> 20.0%".
- AQR / Asness· Quality Factor100/100
ROE > 20% 60.3% clears "> 20.0%".
Rejects
· 3 frameworksInsider activity · Negative
Insider selling outweighs buying
Strength 60/100
5 insiders sold $32.0M on a discretionary basis. Discretionary selling carries more signal than planned disposals, but insiders sell for many non-thesis reasons (taxes, diversification, life events) — do not over-read it. Over the 6M window, insiders are net buyers by 285,229 shares.
In Prism's context
Insider selling on a mature quality name is often compensation-driven and should not over-rotate a thesis built on durable cash flows — though concentrated discretionary selling is always worth flagging.
| Insider | Role | Type | Date | Shares | Avg price | Value | Own |
|---|---|---|---|---|---|---|---|
| MCINERNEY RYAN | Chief Executive Officer | Open-market sell | Apr 29, 2026 | 31,455 | $340.14 | $10.70M | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Option exercise | Apr 29, 2026 | 31,455 | $109.82 | $3.45M | Direct |
| CARNEY LLOYD A | Director | Open-market sell | Mar 11, 2026 | 650 | $309.62 | $201K | Direct |
| TANEJA RAJAT | Officer | Transaction | Feb 13, 2026 | 35,537 | — | — | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Transaction | Feb 13, 2026 | 11,754 | — | — | Direct |
| MAHON TULLIER KELLY | Officer | Transaction | Feb 13, 2026 | 35,537 | — | — | Direct |
| FABARA PAUL D | Officer | Transaction | Feb 13, 2026 | 21,322 | — | — | Direct |
| FERNANDEZ CARBAJAL FRANCISCO JAVIER | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| LIST-STOLL TERI L. | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| MORRISON DENISE M | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| LUNDGREN JOHN F | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| CARNEY LLOYD A | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| READY WILLIAM J | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| MURPHY PAM | Director | Award / grant | Jan 27, 2026 | 861 | $0.00 | $0 | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Open-market sell | Jan 2, 2026 | 10,485 | $349.18 | $3.66M | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Option exercise | Jan 2, 2026 | 10,485 | $109.82 | $1.15M | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Open-market sell | Dec 11, 2025 | 10,485 | $340.07 | $3.57M | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Option exercise | Dec 11, 2025 | 10,485 | $109.82 | $1.15M | Direct |
| ROTTENBERG JULIE B | General Counsel | Open-market sell | Dec 11, 2025 | 2,027 | $345.00 | $699K | Direct |
| ROTTENBERG JULIE B | General Counsel | Option exercise | Dec 11, 2025 | 2,027 | $109.82 | $223K | Direct |
| MAHON TULLIER KELLY | Officer | Stock Gift at price 0.00 per share. | Dec 4, 2025 | 1,535 | $0.00 | $0 | Direct |
| TANEJA RAJAT | Officer | Open-market sell | Dec 2, 2025 | 23,743 | $330.14 | $7.84M | Direct |
| FABARA PAUL D | Officer | Open-market sell | Dec 2, 2025 | 7,556 | $331.45 | $2.50M | Direct |
| TANEJA RAJAT | Officer | Transaction | Nov 28, 2025 | 48,239 | — | — | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Transaction | Nov 28, 2025 | 52,098 | — | — | Direct |
| MAHON TULLIER KELLY | Officer | Transaction | Nov 28, 2025 | 27,786 | — | — | Direct |
| FABARA PAUL D | Officer | Transaction | Nov 28, 2025 | 15,437 | — | — | Direct |
| ROTTENBERG JULIE B | General Counsel | Transaction | Nov 28, 2025 | 9,648 | — | — | Direct |
| TANEJA RAJAT | Officer | Open-market sell | Nov 21, 2025 | 6,305 | $330.00 | $2.08M | Direct |
| FABARA PAUL D | Officer | Open-market sell | Nov 21, 2025 | 2,172 | $325.93 | $708K | Direct |
| TANEJA RAJAT | Officer | Transaction | Nov 19, 2025 | 12,723 | — | — | Direct |
| MCINERNEY RYAN | Chief Executive Officer | Stock Gift at price 0.00 per share. | Nov 19, 2025 | 7,800 | $0.00 | $0 | Indirect |
| MCINERNEY RYAN | Chief Executive Officer | Transaction | Nov 19, 2025 | 18,011 | — | — | Direct |
| MAHON TULLIER KELLY | Officer | Transaction | Nov 19, 2025 | 7,355 | — | — | Direct |
| FABARA PAUL D | Officer | Transaction | Nov 19, 2025 | 4,421 | — | — | Direct |
| SUH CHRIS | Chief Financial Officer | Transaction | Nov 19, 2025 | 5,410 | — | — | Direct |
| ROTTENBERG JULIE B | General Counsel | Transaction | Nov 19, 2025 | 3,360 | — | — | Direct |
| ANDRESKI PETER M | Officer | Transaction | Nov 19, 2025 | 1,655 | — | — | Direct |
Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 0.6% of shares outstanding.
Net 6M: +285,229 sh
Price history
—
Loading…
Drag across the chart to select a custom period — all analysis below refocuses to that window.
What would V do to your portfolio?
Add Visa Inc. at a hypothetical weight and Prism recalculates your whole book:
Risk metrics
Sharpe, Sortino, volatility, max drawdown, beta — before and after.
Sector concentration
How much this shifts your top sector weight and overall diversification.
Archetype tilt
Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.
V is currently tagged:QualityWeak match (31/100)
Portfolio analytics are part of the member experience.
Sign in to run this simulationProbabilistic recommendation· rec-v1.0.0-2026-04
Visa Inc. · V
V: 56% estimated probability of outperforming over the next 12M window. 1 of 6 signal families positive (medium confidence). Strongest support: ROE 60%.
Outperform prob.
56%
vs S&P 500 · 12M
Expected return
-1.6% → +22.4%
mid +10.4% / yr
Downside (p20)
-9.4%
stress -18.8%
Data quality
98/100
Excellent
Prism Score
Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.
Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.
Prism Score
Composite 66/100. Strongest contribution from quality; weakest from valuation.
Composite
66
/ 100
Deep valueval.
30/ 100
P/B 16.38× · FCF yield 3.3%
Margin of safetyval.
50/ 100
10% above fair value
Bull · base · bear scenarios
Three plausible paths over a 5-year horizon.
Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.
Bull
~25%$389.37
+3.5% / yr (5y)
Operating leverage kicks in or a new product line scales — margins inflect higher, growth steps up by 200–400 bps, and the multiple re-rates as the durability becomes obvious to a wider audience.
Drivers
- • Margin expands by 200–400 bps from 67%
- • Top-line accelerates 300–500 bps above current
- • Multiple re-rates one full turn higher
Base
~55%$299.51
-1.8% / yr (5y)
Business continues to compound at recent rates — 67% operating margin holds, 17% top-line growth persists, capital allocation stays disciplined. Multiple stays roughly where it is.
Global value comparison
Visa Inc. vs sector medians — GCC, MENA, and Global ex-US.
Sector: Financial Services. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.
| Metric | V | GCC median | MENA median | Global ex-US |
|---|---|---|---|---|
| P/E (TTM) | — | 11.2× | 8.5× | 11.5× |
| P/B | 16.38× | 1.70× | 1.20× | 1.30× |
| Dividend yield | 0.83% | 4.60% | 4.20% | 4.00% |
| ROE | 60.3% |
Earnings reaction explainer
V beat by 2.9%.
Reported EPS $3.31 vs $3.22 expected — a routine beat. Read the rest of the print (guidance, margins, segment mix) before assuming the multiple should expand. Trailing operating margin: 67.3%.
- Quality investorsPositive
A routine beat with stable margins is the textbook compounder pattern — nothing changes in the thesis.
- Value investorsNeutral
Whether the beat matters depends on entry multiple. P/E — sets the bar.
- Growth investorsNeutral
Positive but unremarkable — guidance and KPI commentary will move the stock more than the beat itself.
What to watch on the next print
News & events
Next earnings
Tue, Jul 28 · consensus EPS $3.22 · last actual $3.31
Key Metrics at a Glance
P/E Ratio (TTM)
N/A
PEG Ratio
1.67
P/B Ratio
16.38
EPS Growth
35.5%
Revenue Growth
17.1%
Debt / Equity
0.67
Net Cash / Share
$-6.06
Return on Equity
60.3%
Gross Margin
97.8%
Operating Margin
67.3%
FCF / Share
$12.56
Current Ratio
1.09