Visa Inc. Logo

Visa Inc.

VISA.NE

(2.8)
Stock Price

29,47 CAD

41.55% ROA

48.16% ROE

2.01x PER

Market Cap.

550.735.823.425,81 CAD

51.86% DER

1.03% Yield

54.72% NPM

Visa Inc. Stock Analysis

Visa Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Visa Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (44.07%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

This stock has a great ability to make a lot of money from the things it owns, which makes it a really good investment for smart investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 DER

The stock maintains a fair debt to equity ratio (53%), indicating a reasonable balance between the money it owes and the ownership it possesses.

5 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

7 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (38), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 PBV

The stock's elevated P/BV ratio (9.2x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

10 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Visa Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Visa Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Visa Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Visa Inc. Revenue
Year Revenue Growth
2003 1.980.000.000
2005 2.664.605.000 25.69%
2006 2.948.126.000 9.62%
2007 3.589.796.000 17.87%
2008 6.263.000.000 42.68%
2009 6.911.000.000 9.38%
2010 8.065.000.000 14.31%
2011 9.188.000.000 12.22%
2012 10.421.000.000 11.83%
2013 11.778.000.000 11.52%
2014 12.702.000.000 7.27%
2015 13.880.000.000 8.49%
2016 15.082.000.000 7.97%
2017 18.358.000.000 17.85%
2018 20.609.000.000 10.92%
2019 22.977.000.000 10.31%
2020 21.846.000.000 -5.18%
2021 24.105.000.000 9.37%
2022 29.310.000.000 17.76%
2023 32.653.000.000 10.24%
2024 35.600.000.000 8.28%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Visa Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 259.000.000 100%
2017 285.000.000 9.12%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Visa Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2005 665.416.000 100%
2006 117.837.000 -464.69%
2007 717.966.000 83.59%
2008 770.000.000 6.76%
2009 693.000.000 -11.11%
2010 600.000.000 -15.5%
2011 751.000.000 20.11%
2012 836.000.000 10.17%
2013 863.000.000 3.13%
2014 835.000.000 -3.35%
2015 883.000.000 5.44%
2016 1.185.000.000 25.49%
2017 1.469.000.000 19.33%
2018 1.591.000.000 7.67%
2019 1.650.000.000 3.58%
2020 1.504.000.000 -9.71%
2021 1.388.000.000 -8.36%
2022 1.699.000.000 18.3%
2023 1.875.000.000 9.39%
2024 2.136.000.000 12.22%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Visa Inc. EBITDA
Year EBITDA Growth
2003 -1.380.000.000
2005 751.583.000 283.61%
2006 1.457.730.000 48.44%
2007 1.380.251.000 -5.61%
2008 2.940.000.000 53.05%
2009 3.764.000.000 21.89%
2010 4.847.000.000 22.34%
2011 5.751.000.000 15.72%
2012 10.633.000.000 45.91%
2013 7.642.000.000 -39.14%
2014 9.038.000.000 15.45%
2015 9.586.000.000 5.72%
2016 10.820.000.000 11.4%
2017 12.832.000.000 15.68%
2018 14.638.000.000 12.34%
2019 16.057.000.000 8.84%
2020 14.859.000.000 -8.06%
2021 16.611.000.000 10.55%
2022 20.542.000.000 19.14%
2023 22.870.000.000 10.18%
2024 24.860.000.000 8%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Visa Inc. Gross Profit
Year Gross Profit Growth
2003 1.980.000.000
2005 1.707.594.000 -15.95%
2006 2.948.126.000 42.08%
2007 2.502.184.000 -17.82%
2008 4.725.000.000 47.04%
2009 5.375.000.000 12.09%
2010 6.418.000.000 16.25%
2011 7.372.000.000 12.94%
2012 8.281.000.000 10.98%
2013 9.378.000.000 11.7%
2014 10.320.000.000 9.13%
2015 11.327.000.000 8.89%
2016 12.318.000.000 8.05%
2017 15.110.000.000 18.48%
2018 16.753.000.000 9.81%
2019 18.812.000.000 10.95%
2020 17.334.000.000 -8.53%
2021 19.135.000.000 9.41%
2022 23.577.000.000 18.84%
2023 26.086.000.000 9.62%
2024 28.508.000.000 8.5%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Visa Inc. Net Profit
Year Net Profit Growth
2003 -885.000.000
2005 264.701.000 434.34%
2006 454.561.000 41.77%
2007 -1.076.095.000 142.24%
2008 804.000.000 233.84%
2009 2.353.000.000 65.83%
2010 2.966.000.000 20.67%
2011 3.650.000.000 18.74%
2012 2.144.000.000 -70.24%
2013 4.980.000.000 56.95%
2014 5.438.000.000 8.42%
2015 6.328.000.000 14.06%
2016 5.991.000.000 -5.63%
2017 6.699.000.000 10.57%
2018 10.301.000.000 34.97%
2019 12.080.000.000 14.73%
2020 10.866.000.000 -11.17%
2021 12.311.000.000 11.74%
2022 14.957.000.000 17.69%
2023 17.273.000.000 13.41%
2024 19.488.000.000 11.37%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Visa Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 1 0%
2024 10 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Visa Inc. Free Cashflow
Year Free Cashflow Growth
2005 361.362.000
2006 434.508.000 16.83%
2007 345.187.000 -25.88%
2008 116.000.000 -197.58%
2009 252.000.000 53.97%
2010 2.450.000.000 89.71%
2011 3.519.000.000 30.38%
2012 4.633.000.000 24.04%
2013 2.551.000.000 -81.62%
2014 6.652.000.000 61.65%
2015 6.170.000.000 -7.81%
2016 5.051.000.000 -22.15%
2017 8.501.000.000 40.58%
2018 11.995.000.000 29.13%
2019 12.028.000.000 0.27%
2020 9.704.000.000 -23.95%
2021 14.522.000.000 33.18%
2022 17.879.000.000 18.78%
2023 19.696.000.000 9.23%
2024 4.734.000.000 -316.05%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Visa Inc. Operating Cashflow
Year Operating Cashflow Growth
2005 480.629.000
2006 434.508.000 -10.61%
2007 505.147.000 13.98%
2008 531.000.000 4.87%
2009 558.000.000 4.84%
2010 2.691.000.000 79.26%
2011 3.872.000.000 30.5%
2012 5.009.000.000 22.7%
2013 3.022.000.000 -65.75%
2014 7.205.000.000 58.06%
2015 6.584.000.000 -9.43%
2016 5.574.000.000 -18.12%
2017 9.208.000.000 39.47%
2018 12.713.000.000 27.57%
2019 12.784.000.000 0.56%
2020 10.440.000.000 -22.45%
2021 15.227.000.000 31.44%
2022 18.849.000.000 19.22%
2023 20.755.000.000 9.18%
2024 5.134.000.000 -304.27%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Visa Inc. Capital Expenditure
Year Capital Expenditure Growth
2005 119.267.000
2006 0 0%
2007 159.960.000 100%
2008 415.000.000 61.46%
2009 306.000.000 -35.62%
2010 241.000.000 -26.97%
2011 353.000.000 31.73%
2012 376.000.000 6.12%
2013 471.000.000 20.17%
2014 553.000.000 14.83%
2015 414.000.000 -33.57%
2016 523.000.000 20.84%
2017 707.000.000 26.03%
2018 718.000.000 1.53%
2019 756.000.000 5.03%
2020 736.000.000 -2.72%
2021 705.000.000 -4.4%
2022 970.000.000 27.32%
2023 1.059.000.000 8.4%
2024 400.000.000 -164.75%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Visa Inc. Equity
Year Equity Growth
2003 -440.000.000
2006 620.654.000 170.89%
2007 -462.717.000 234.13%
2008 21.141.000.000 102.19%
2009 23.193.000.000 8.85%
2010 25.014.000.000 7.28%
2011 26.437.000.000 5.38%
2012 27.630.000.000 4.32%
2013 26.870.000.000 -2.83%
2014 27.413.000.000 1.98%
2015 29.842.000.000 8.14%
2016 32.912.000.000 9.33%
2017 32.760.000.000 -0.46%
2018 34.006.000.000 3.66%
2019 34.684.000.000 1.95%
2020 36.210.000.000 4.21%
2021 37.589.000.000 3.67%
2022 35.581.000.000 -5.64%
2023 38.733.000.000 8.14%
2024 39.729.000.000 2.51%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Visa Inc. Assets
Year Assets Growth
2003 1.905.000.000
2006 2.963.918.000 35.73%
2007 4.390.117.000 32.49%
2008 34.981.000.000 87.45%
2009 32.281.000.000 -8.36%
2010 33.408.000.000 3.37%
2011 34.760.000.000 3.89%
2012 40.013.000.000 13.13%
2013 35.956.000.000 -11.28%
2014 38.569.000.000 6.77%
2015 40.236.000.000 4.14%
2016 64.035.000.000 37.17%
2017 67.977.000.000 5.8%
2018 69.225.000.000 1.8%
2019 72.574.000.000 4.61%
2020 80.919.000.000 10.31%
2021 82.896.000.000 2.38%
2022 85.501.000.000 3.05%
2023 90.499.000.000 5.52%
2024 91.040.000.000 0.59%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Visa Inc. Liabilities
Year Liabilities Growth
2003 2.345.000.000
2006 2.343.264.000 -0.07%
2007 4.891.444.000 52.09%
2008 13.840.000.000 64.66%
2009 9.088.000.000 -52.29%
2010 8.394.000.000 -8.27%
2011 8.323.000.000 -0.85%
2012 12.383.000.000 32.79%
2013 9.086.000.000 -36.29%
2014 11.156.000.000 18.56%
2015 10.394.000.000 -7.33%
2016 31.123.000.000 66.6%
2017 35.217.000.000 11.63%
2018 35.219.000.000 0.01%
2019 37.890.000.000 7.05%
2020 44.709.000.000 15.25%
2021 45.307.000.000 1.32%
2022 49.920.000.000 9.24%
2023 51.766.000.000 3.57%
2024 51.311.000.000 -0.89%

Visa Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
17.47
Net Income per Share
9.56
Price to Earning Ratio
2.01x
Price To Sales Ratio
15.77x
POCF Ratio
1.9
PFCF Ratio
29.05
Price to Book Ratio
0.97
EV to Sales
15.99
EV Over EBITDA
22.9
EV to Operating CashFlow
27.63
EV to FreeCashFlow
29.45
Earnings Yield
0.5
FreeCashFlow Yield
0.03
Market Cap
550,74 Bil.
Enterprise Value
558,39 Bil.
Graham Number
65.38
Graham NetNet
-14.33

Income Statement Metrics

Net Income per Share
9.56
Income Quality
1.06
ROE
0.48
Return On Assets
0.21
Return On Capital Employed
0.33
Net Income per EBT
0.82
EBT Per Ebit
1.02
Ebit per Revenue
0.65
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.8
Operating Profit Margin
0.65
Pretax Profit Margin
0.66
Net Profit Margin
0.55

Dividends

Dividend Yield
0.01
Dividend Yield %
1.03
Payout Ratio
0.21
Dividend Per Share
0.2

Operating Metrics

Operating Cashflow per Share
10.11
Free CashFlow per Share
9.48
Capex to Operating CashFlow
0.06
Capex to Revenue
0.04
Capex to Depreciation
1.24
Return on Invested Capital
0.31
Return on Tangible Assets
0.42
Days Sales Outstanding
48.6
Days Payables Outstanding
17.46
Days of Inventory on Hand
267.32
Receivables Turnover
7.51
Payables Turnover
20.91
Inventory Turnover
1.37
Capex per Share
0.63

Balance Sheet

Cash per Share
8,33
Book Value per Share
19,87
Tangible Book Value per Share
-2.67
Shareholders Equity per Share
19.87
Interest Debt per Share
10.63
Debt to Equity
0.52
Debt to Assets
0.23
Net Debt to EBITDA
0.31
Current Ratio
1.37
Tangible Asset Value
-5,33 Bil.
Net Current Asset Value
-20,27 Bil.
Invested Capital
57252000000
Working Capital
8,43 Bil.
Intangibles to Total Assets
0.49
Average Receivables
5,24 Bil.
Average Payables
0,33 Bil.
Average Inventory
5009500000
Debt to Market Cap
0.04

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Visa Inc. Dividends
Year Dividends Growth
2021 0
2022 0 0%
2023 0 0%
2024 0 0%

Visa Inc. Profile

About Visa Inc.

Visa Inc. operates as a payments technology company worldwide. 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, click to pay; Visa Direct, a real-time payments network; Visa B2B Connect, a multilateral B2B cross-border payments network; Visa Treasury as a Service, a cross-border consumer payments business; and Visa DPS that provides a range of value added services, including fraud mitigation, dispute management, data analytics, campaign management, a suite of digital solutions, and contact center services. Further, the; company provides Cybersource, a payment management platform; and risk and identity solutions, such as Visa Advanced Authorization, Visa Secure, Visa Advanced Identity Score, and Visa Consumer Authentication Service; and Visa Consulting and Analytics, a payments consulting advisory services. It provides its services under the Visa, Visa Electron, Interlink, VPAY, and PLUS brands. The company serves consumers, merchants, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.

CEO
Mr. Ryan M. McInerney
Employee
28.800
Address
PO Box 8999
San Francisco, 94128-8999

Visa Inc. Executives & BODs

Visa Inc. Executives & BODs
# Name Age
1 Ms. Jennifer Como
Head of Investor Relations
70
2 Mr. Rajat Taneja
President of Technology
70
3 Mr. Peter Andreski
Senior Vice President, Global Corporate Controller & Chief Accounting Officer
70
4 Mr. Frank Cooper III
Chief Marketing Officer
70
5 Mr. Christopher Suh
Chief Financial Officer
70
6 Ms. Julie B. Rottenberg
General Counsel
70
7 Mr. Oliver Jenkyn
Group President of Global Markets
70
8 Mr. Paul D. Fabara
Chief Risk Officer
70
9 Ms. Kelly Mahon Tullier
Vice Chair, Chief People & Corporate Affairs Officer and Corporate Secretary
70
10 Mr. Ryan M. McInerney
President, Chief Executive Officer & Director
70

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