VISA INC. (V) Stock Analysis

Analysis from 10-K filed 2025-11-06. Data as of Q1 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC 35.9%. FCF margin 49.2%. D/E 0.7x. Source: 10-K filed 2025-11-06.

Metric	Value	Context
ROIC	35.9%	Above industry average
FCF Margin	49.2%	Strong cash generation
Debt/Equity	0.7x	Moderate leverage

ROIC 35.9% — Top 5% of sector peers. FCF margin 49.2% — Top 5%.

Explore VISA INC.: Earnings History | Filings

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_changes, get_metric_history, compare_companies, screen_filing_signals.

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Profitability: VISA INC. earns 35.9% ROIC, Top 5% in Technology

ROIC TTM 35.9%, sector median 3.6%, Top 5%. DuPont: NOPAT margin 51.4% × asset turnover 0.4x. Operating margin 61.1%. Source: 10-K filed 2025-11-06.

Metric	V	Rating	Context
Return on Invested Capital (ROIC)	35.9%	Excellent	Above sector median of 3.6%
Return on Equity (ROE)	58.4%	Excellent	Efficient use of shareholder equity
Operating Margin	61.1%	Excellent	Efficient operations

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Cash Flow: VISA INC. generates $21.2B FCF at 49.2% margin, positive NaN/8 quarters

FCF TTM $21.2B. FCF margin 49.2%, Top 5%. OCF/Net income 1.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-K filed 2025-11-06.

Metric	V	Rating	Context
Free Cash Flow Margin	49.2%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$21.2B	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 0.7x leverage

Debt/Equity 0.7x. Total debt $24.0B, cash & investments $12.4B. Source: 10-K filed 2025-11-06.

Metric	V	Rating	Context
Debt to Equity	0.7x	Good	Moderate leverage
Net Cash Position	$-11.6B	Warning	Net debt position

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Valuation: VISA INC. trades at 219.2x earnings

P/E 219.2x. EV/Sales 113.5x. FCF yield 0.4%. Dividend yield 0.1%. Source: 10-K filed 2025-11-06.

Metric	V	Rating	Context
P/E Ratio	219.2x	Warning	Premium valuation
EV/Sales	113.5x	Warning	Growth premium priced in
FCF Yield	0.4%	Warning	Lower cash yield
Dividend Yield	0.1%	Adequate	Growth focus over income

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Capital Allocation: VISA INC. returns 0.5% shareholder yield

Total shareholder yield 0.5% (div 0.1% + buyback 0.4%). Capital returned $26.2B TTM. Source: 10-K filed 2025-11-06.

Metric	V	Rating	Context
Total Shareholder Yield	0.5%	Adequate	Dividend + buyback yield combined
Buyback Yield	0.4%	Adequate	Minimal buyback activity
Total Capital Returned (TTM)	$26.2B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Return on Invested Capital (ROIC)	35.9%	Top 5%	10.1x above
Free Cash Flow Margin	49.2%	Top 5%	5.8x above
Operating Margin	61.1%	Top 5%	13.4x above
Return on Equity (ROE)	58.4%	Top 5%	10.8x above
P/E Ratio	219.2x	N/A	-

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Financial Scorecard

Metric	V	Rating	Sector Context
Return on Invested Capital (ROIC)	35.9%	Excellent	Top 5% of sector (median: 3.6%)
Free Cash Flow Margin	49.2%	Excellent	Top 5% of sector (median: 8.5%)
Debt to Equity Ratio	67.2%	Good	Moderate leverage
P/E Ratio (Price-to-Earnings)	219.2x	Warning	High expectations priced in
Free Cash Flow Yield	0.4%	Red flag	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 35.9%. Sector median 3.6%. Source: 10-K filed 2025-11-06.

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

VISA INC. (V) has a free cash flow margin of 49.2%, generating $21.2 billion in free cash flow over the trailing twelve months. Source: 10-K filed 2025-11-06.

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 219.2x, which is above the sector median of N/A. EV/Sales 113.5x. FCF yield 0.4%. Source: 10-K filed 2025-11-06.

Q: Does VISA INC. pay a dividend?

VISA INC. (V) currently pays a dividend yield of 0.1%. Total shareholder yield (dividend + buybacks) 0.5%. Source: 10-K filed 2025-11-06.

Q: How much debt does VISA INC. have?

VISA INC. (V) has a debt-to-equity ratio of 0.7x with total debt of $24.0 billion. Net debt $11.6 billion. Source: 10-K filed 2025-11-06.

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

VISA INC. (V) grew revenue by 14.4% year-over-year. EPS +181.5% YoY. Source: 10-K filed 2025-11-06.

Q: Is VISA INC. buying back stock?

VISA INC. (V) repurchased $21.3 billion of stock over the trailing twelve months. This represents a buyback yield of 0.4%. Source: 10-K filed 2025-11-06.

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

Compared to other companies in Technology, VISA INC. (V) shows: ROIC 35.9%, sector median 3.6% (Top 5%). FCF margin 49.2%, sector median 8.5% (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 2025-11-06.

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Data Source: Data sourced from 10-K filed 2025-11-06. TTM metrics as of Q1 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.