Visa Inc. (V)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Visa as a toll road on global payments. VisaNet authorizes, clears and settles transactions, and that network is a durable competitive advantage. The filed figures show a highly profitable business: fiscal 2025, ended 2025-09-30, had revenue of $40.0B and net income of $20.1B; fiscal Q2 2026, quarter ended 2026-03-31, had revenue of $11.2B and net income of $6.0B. From fiscal 2024 to fiscal 2025, revenue rose from $35.9B to $40.0B while net income rose from $19.7B to $20.1B—steady, not explosive. FairStock calculations show ROE of 61.19% and ROCE of 19.11%, with debt/equity of 0.68. TTM free cash flow is $21.0B, a 3.5% FCF yield at the 2026-10-26 close. The computed Lynch category is STALWART, based on 13.0% annual profit growth and 12.9% revenue growth over five years. Financial health looks solid: Altman Z-score 6.68 and Piotroski 6/9. Valuation is the rub. At $404.16, FairStock’s P/E is 34.40, P/B 21.42, PEG 5.14, and EV/EBITDA 21.25; the dividend yield is only 0.73%. The Graham Number is $70.35, implying a -479.84% margin of safety, so Graham would not call this cheap. I admire the business, but the price already discounts a lot of steady compounding. A margin of safety is absent unless growth accelerates or the price falls.

In plain English: Visa runs a payments network that helps banks, merchants and cardholders move money. The business looks strong because it earns very high returns and large profits. At $404.16 on 2026-10-26, the price looks expensive compared with the provided value checks, so it is not an obvious bargain.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-06-30) · fiscal Q2 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer