V

Visa Inc.

CONSUMER DISCRETIONARY • DIVERSIFIED FINANCIALS

Current Price $340.38 Target: $382.44

52-Week Range

$250.87 $375.51

Current price is 71.8% of 52-week range

Key Metrics

Market Cap $681.0B
P/E Ratio 35.7
P/B Ratio 11.4
Current Ratio 1.3
EPS $10.02
Dividend Yield 0.66%
Profit Margin 52.9%
Beta 0.9
52-Week Low $250.87
52-Week High $375.51

Bullbiscuit Analysis

58

Overall Score

Score Breakdown

Great

Momentum Signal

Score Breakdown (what to buy)

Value 17
Growth 55
Financial Strength 77
Social Sentiment 75
AI Prediction 84

Momentum Score (when to buy)

Momentum Score 75

AI Overview

Visa demonstrates robust financial health with impressive profitability metrics, particularly its 54.95% net margin, which reflects the company's strong competitive position in the payments industry. The company's conservative debt management, evidenced by a debt-to-equity ratio of 0.53 and healthy current ratio of 1.28, indicates solid balance sheet strength. The P/E ratio of 22.57, while not cheap, sits below historical averages for the company and appears reasonable given Visa's market leadership and consistent earnings performance.

The company's growth prospects remain compelling as global digital payment adoption accelerates, particularly in emerging markets where cash transactions still dominate. Visa continues to expand into new payment technologies, including blockchain and crypto-related services, while also capitalizing on the growing e-commerce sector. However, the company faces increasing competition from fintech innovators and regulatory scrutiny, particularly regarding interchange fees and market dominance. The rise of alternative payment methods like buy-now-pay-later services and digital wallets presents both opportunities and challenges.

For DIY investors, Visa offers an attractive combination of defensive characteristics and growth potential. The company's wide economic moat, derived from its extensive network effects and brand strength, provides competitive advantages that are difficult to replicate. While the dividend yield of 0.67% may seem modest, Visa's consistent dividend growth and substantial share buybacks enhance total shareholder returns. Key risks to monitor include regulatory changes, technological disruption, and macroeconomic factors affecting consumer spending. The high analyst consensus and price target suggest continued optimism, but investors should consider their entry points carefully given the stock's proximity to all-time highs.

Price History