Could Visa's Crypto Rewards Card Partnership Shape Its Long-Term Growth Path? (V)

• Fold Holdings, Inc. recently announced the launch of a Bitcoin rewards credit card, developed in partnership with Visa and Stripe, enabling users to earn Bitcoin on everyday purchases without complex categories or restrictions.
• This move reflects Visa's deepening involvement in digital asset payments and showcases its adaptability as consumer interest in cryptocurrency-linked financial products expands.
• We'll now examine how Visa’s entry into crypto rewards cards with Fold and Stripe could influence the company’s long-term growth narrative.

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Visa Investment Narrative Recap

To be a Visa shareholder, you need to believe in the continued global shift away from cash and toward digital payments, fueling transaction volumes and supporting Visa’s scale. The company’s partnership with Fold and Stripe to launch a Bitcoin rewards card echoes Visa’s willingness to adapt as digital assets gain traction, but it is unlikely to fundamentally alter the most important short-term catalyst: persistent growth in value-added services and e-commerce transactions. The greatest near-term risk remains the rise of alternative payment platforms, which could gradually compress Visa’s fees and margins, though this announcement itself does not directly accelerate that trend.

Among recent announcements, Visa’s alliance with Pismo and ABN AMRO to launch the BUUT card for Gen Z consumers stands out. Like the Fold partnership, it reflects how Visa’s payment network is being used as a backbone for next-generation products, but also highlights how rapidly fintech partners can bring new offerings to market, a factor closely tied to both Visa’s growth opportunities and the ongoing risk of technological disruption.

But while Visa is adapting, investors should also be aware that, if account-to-account and new real-time payment systems scale quickly, the company’s revenue mix could shift in ways that …

Read the full narrative on Visa (it's free!)

Visa's outlook anticipates revenues of $51.9 billion and earnings of $27.5 billion by 2028. This is based on forecast annual revenue growth of 10.1% and a $7.4 billion earnings increase from current earnings of $20.1 billion.

Uncover how Visa's forecasts yield a $391.46 fair value, a 16% upside to its current price.

Exploring Other Perspectives

Simply Wall St Community members have fair value opinions for Visa stock ranging from US$243.09 to US$418.85, collected from 52 perspectives. As payment innovation accelerates, many weigh the potential for alternative rails to compress Visa’s earnings and reshape the company’s market position.

Explore 52 other fair value estimates on Visa - why the stock might be worth as much as 24% more than the current price!

Build Your Own Visa Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Visa research is our analysis highlighting 2 key rewards that could impact your investment decision.
• Our free Visa research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Visa's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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