VISA INC. (V) Factsheet

VISA INC. (V) Stock Analysis

Analysis from 10-K filed 2026-11-05. Data as of Q3 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC 39.3%. FCF margin 48.1%. D/E 0.6x. Source: 10-K filed 2026-11-05.

Metric	Value	Context
ROIC	39.3%	Above industry average
FCF Margin	48.1%	Strong cash generation
Debt/Equity	0.6x	Moderate leverage

ROIC 39.3% — Top 5% of sector peers. FCF margin 48.1% — Top 5%.

Explore VISA INC.: Earnings History | Overview

Programmatic access: Available via MCP at mcp.metricduck.com. Tools for V: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_section, get_metric_history, compare_companies, screen_filing_signals.

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Profitability: VISA INC. earns 39.3% ROIC, Top 5% in Technology

ROIC TTM 39.3%, sector median 4.4%, Top 5%. DuPont: NOPAT margin 51.2% × asset turnover 0.5x. Operating margin 61.2%. Source: 10-K filed 2026-11-05.

Metric	V	Rating	Context
Return on Invested Capital (ROIC)	39.3%	Excellent	Above sector median of 4.4%
Return on Equity (ROE)	64.1%	Excellent	Efficient use of shareholder equity
Operating Margin	61.2%	Excellent	Efficient operations

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Cash Flow: VISA INC. generates $22.1B FCF at 48.1% margin, positive NaN/8 quarters

FCF TTM $22.1B. FCF margin 48.1%, Top 5%. OCF/Net income 1.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-K filed 2026-11-05.

Metric	V	Rating	Context
Free Cash Flow Margin	48.1%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$22.1B	Good	Positive cash generation
OCF/Net Income	1.0x	Excellent	High earnings quality
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

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Balance Sheet: VISA INC. at 0.6x leverage, 37.1x interest coverage

Debt/Equity 0.6x. Total debt $22.1B, cash & investments $12.9B. Interest coverage 37.1x. Source: 10-K filed 2026-11-05.

Metric	V	Rating	Context
Debt to Equity	0.6x	Good	Moderate leverage
Net Cash Position	$-9.1B	Warning	Net debt position
Interest Coverage	37.1x	Excellent	Comfortable debt service

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Valuation: VISA INC. trades at 33.4x earnings

P/E 33.4x. EV/Sales 17.3x. FCF yield 2.8%. Dividend yield 0.6%. Source: 10-K filed 2026-11-05.

Metric	V	Rating	Context
P/E Ratio	33.4x	Adequate	Premium valuation
EV/Sales	17.3x	Warning	Growth premium priced in
FCF Yield	2.8%	Adequate	Lower cash yield
Dividend Yield	0.6%	Adequate	Growth focus over income

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Capital Allocation: VISA INC. returns 3.3% shareholder yield, reducing shares 3.3% YoY

Total shareholder yield 3.3% (div 0.6% + buyback 2.6%). Share count -3.3% YoY. Capital returned $25.6B TTM. Source: 10-K filed 2026-11-05.

Metric	V	Rating	Context
Total Shareholder Yield	3.3%	Good	Dividend + buyback yield combined
Buyback Yield	2.6%	Adequate	Active share repurchases
Share Count Change (YoY)	-3.3%	Good	Net share reduction (accretive)
Total Capital Returned (TTM)	$25.6B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Return on Invested Capital (ROIC)	39.3%	Top 5%	8.9x above
Free Cash Flow Margin	48.1%	Top 5%	4.7x above
Operating Margin	61.2%	Top 5%	12.9x above
Return on Equity (ROE)	64.1%	Top 5%	10.3x above
P/E Ratio	33.4x	N/A	-

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Financial Scorecard

Metric	V	Rating	Sector Context
Return on Invested Capital (ROIC)	39.3%	Excellent	Top 5% of sector (median: 4.4%)
Free Cash Flow Margin	48.1%	Excellent	Top 5% of sector (median: 10.1%)
Debt to Equity Ratio	61.1%	Good	Moderate leverage
P/E Ratio (Price-to-Earnings)	33.4x	Adequate	Growth premium
Free Cash Flow Yield	2.8%	Warning	Growth-focused valuation

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Frequently Asked Questions

Q: What is VISA INC.'s Return on Invested Capital (ROIC)?

VISA INC. (V) has a trailing twelve-month Return on Invested Capital (ROIC) of 39.3%. The 8-quarter median ROIC is 36.4% with a improving trend. Sector median 4.4%. Source: 10-K filed 2026-11-05.

Q: What is VISA INC.'s Free Cash Flow Margin?

VISA INC. (V) has a free cash flow margin of 48.1%, generating $22.1 billion in free cash flow over the trailing twelve months. Source: 10-K filed 2026-11-05.

Q: What is VISA INC.'s P/E ratio and how does it compare to peers?

VISA INC. (V) trades at a P/E ratio of 33.4x, which is above the sector median of N/A. EV/Sales 17.3x. FCF yield 2.8%. Source: 10-K filed 2026-11-05.

Q: Does VISA INC. pay a dividend?

VISA INC. (V) currently pays a dividend yield of 0.6%. Total shareholder yield (dividend + buybacks) 3.3%. Source: 10-K filed 2026-11-05.

Q: How much debt does VISA INC. have?

VISA INC. (V) has a debt-to-equity ratio of 0.6x with total debt of $22.1 billion. Interest coverage 37.1x. Net debt $9.1 billion. Source: 10-K filed 2026-11-05.

Q: What is VISA INC.'s revenue and earnings growth?

VISA INC. (V) grew revenue by 14.8% year-over-year. Net income +17.2% YoY. Source: 10-K filed 2026-11-05.

Q: Is VISA INC. buying back stock?

VISA INC. (V) repurchased $20.5 billion of stock over the trailing twelve months. This represents a buyback yield of 2.6%. Share count -3.3% YoY. Source: 10-K filed 2026-11-05.

Q: How does VISA INC. compare to competitors in Technology?

Compared to other companies in Technology, VISA INC. (V) shows: ROIC 39.3%, sector median 4.4% (Top 5%). FCF margin 48.1%, sector median 10.1% (Top 5%). These rankings are based on MetricDuck's analysis of all Technology companies with available SEC filings.

Q: What warning signs should I watch for with VISA INC.?

No quantitative warning flags fired for VISA INC. (V) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-K filed 2026-11-05.

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Data Source: Data sourced from 10-K filed 2026-11-05. TTM metrics as of Q3 2026.

Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.

Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.

This analysis is for informational purposes only and does not constitute investment advice.