Fundamental analysis · SEC EDGAR · TTM through 31/03/2026
V · NYSE · Financial
Fundamental quality
88
out of 100
Visa Inc. fits the profile of a quality compounder: it pairs high return on capital (ROE 62.4%) with wide margins (net margin 51.7%) and a business that keeps growing (13.1% a year). On fundamental quality it scores 88 out of 100, profiling it as a company with solid fundamentals. Its weakest area is its growth (revenue +13.1%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Visa runs the world's largest payments network. It doesn't lend money or issue cards: it takes a small fee on every transaction that flows through its network, which gives it very high and stable margins.
EPS growth: 13.9% · Revenue growth: 13.1%
Net margin: 51.7% · ROE: 62.4% · ROIC: 46.8%
Net debt/EBITDA: 0.42x · FCF: 49.2%
Source: SEC EDGAR · TTM through 31/03/2026
The score includes +2 for dividend strength: 11 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength. Here its profitability weighs in its favor, while its growth drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 21,846 | 10,866 | 9,704 | 7,781 |
| 2021 | 24,105 | 12,311 | 14,522 | 4,490 |
| 2022 | 29,310 | 14,957 | 17,879 | 6,761 |
| 2023 | 32,653 | 17,273 | 19,696 | 4,177 |
| 2024 | 35,926 | 19,743 | 18,693 | 8,861 |
| 2025 | 40,000 | 20,058 | 21,577 | 8,007 |
Between 2020 and 2025, revenue went from $21,846M to $40,000M (+83%) and net income went from $10,866M to $20,058M (+85%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended March 31, 2026, versus the half-year ended March 31, 2025 (SEC filings):
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$0.59
per share, yearly
23.1% of earnings
Payout
at least 11 straight years raising it
Growth
That is what we can verify in the SEC filings, whose structured data only starts in 2008 and which many companies begin tagging later. The real streak may be considerably longer.
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Visa Inc. cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Visa Inc. a good company to invest in?
In terms of business quality, Visa Inc. scores 88 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Visa Inc. a profitable company?
Very. Visa Inc. shows a net margin of 51.7% and an ROE of 62.4%, typical of a highly profitable business.
Does Visa Inc. have a lot of debt?
Not particularly. Its net debt is 0.42 times its EBITDA, a low level.
Is Visa Inc. growing?
Its revenue has grown 13.1% annualized in recent years and its earnings per share 13.9%, and without interruption since 2020.
Does Visa Inc. generate cash?
Yes. It converts about 49.2% of its revenue into free cash flow, and has done so positively year after year.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Visa Inc.'s filings on EDGAR
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