Market Cap
US$383.4b
Last Updated
2019/10/22 00:07 UTC
Data Sources
Company Financials +
Executive Summary
Visa Inc. operates as a payments technology company worldwide.
Snowflake
Fundamentals
Outstanding track record with moderate growth potential.
Similar Companies
Share Price & News
How has Visa's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-1.3%
V
-1.8%
US IT
1.0%
US Market
1 Year Return
26.8%
V
20.6%
US IT
8.0%
US Market
Return vs Industry: V exceeded the US IT industry which returned 20.6% over the past year.
Return vs Market: V exceeded the US Market which returned 8% over the past year.
Shareholder returns
| V | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.3% | -1.8% | 1.0% |
| 30 Day | 1.4% | -0.9% | -0.07% |
| 90 Day | -3.8% | -5.5% | -1.0% |
| 1 Year | 27.6%26.8% | 21.9%20.6% | 10.4%8.0% |
| 3 Year | 119.5%115.1% | 93.3%85.4% | 46.2%36.7% |
| 5 Year | 237.2%225.7% | 146.1%123.5% | 64.3%46.2% |
Price Volatility Vs. Market
How volatile is Visa's share price compared to the market and industry in the last 5 years?
Simply Wall St News
10 months ago | Simply Wall St
Visa Inc (NYSE:V): What Are Investors Earning On Their Capital?11 months ago | Simply Wall St
Should You Be Impressed By Visa Inc's (NYSE:V) ROE?1 year ago | Simply Wall St
Does The Hype Around Visa Inc's (NYSE:V) Growth Justify Its August Share Price?Valuation
Is Visa undervalued compared to its fair value and its price relative to the market?
33.84x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: V ($176.43) is trading above our estimate of fair value ($173.96)
Significantly Below Fair Value: V is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: V is good value based on its PE Ratio (33.8x) compared to the IT industry average (37.1x).
PE vs Market: V is poor value based on its PE Ratio (33.8x) compared to the US market (17.6x).
Price to Earnings Growth Ratio
PEG Ratio: V is poor value based on its PEG Ratio (2.7x)
Price to Book Ratio
PB vs Industry: V is overvalued based on its PB Ratio (13x) compared to the US IT industry average (4.3x).
Next Steps
Future Growth
How is Visa forecast to perform in the next 1 to 3 years based on estimates from 35 analysts?
12.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: V's forecast earnings growth (12.4% per year) is above the savings rate (2.7%).
Earnings vs Market: V's earnings (12.4% per year) are forecast to grow slower than the US market (14.5% per year).
High Growth Earnings: V's earnings are forecast to grow, but not significantly.
Revenue vs Market: V's revenue (9.7% per year) is forecast to grow faster than the US market (7.2% per year).
High Growth Revenue: V's revenue (9.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: V's Return on Equity is forecast to be high in 3 years time (39%)
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Past Performance
How has Visa performed over the past 5 years?
15.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: V's earnings have grown by 15.2% per year over the past 5 years.
Accelerating Growth: V's earnings growth over the past year (23.9%) exceeds its 5-year average (15.2% per year).
Earnings vs Industry: V earnings growth over the past year (23.9%) exceeded the IT industry 9.8%.
Return on Equity
High ROE: V's Return on Equity (34%) is considered high.
Return on Assets
ROA vs Industry: V has a higher Return on Assets than the IT industry average last year.
Return on Capital Employed
ROCE Improving: V has significantly improved its Return on Capital Employed over the past 3 years.
Next Steps
Financial Health
How is Visa's financial position?
Financial Position Analysis
Short Term Liabilities: V's short term assets ($18.3B) exceeds its short term liabilities ($10.8B)
Long Term Liabilities: V's short term assets (18.3B) do not cover its long term liabilities (24.4B)
Debt to Equity History and Analysis
Debt Level: V's debt to equity ratio (47.7%) is considered high
Reducing Debt: Insufficient data to determine if V's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: V's debt is well covered by operating cash flow (71.8%).
Interest Coverage: V's interest payments on its debt are well covered by EBIT (58.4x coverage).
Balance Sheet
Inventory Level: V has a low level of unsold assets or inventory.
Debt Coverage by Assets: V's debt is covered by short term assets (assets are 1.096500x debt).
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Dividend
What is Visa's current dividend yield, its reliability and sustainability?
0.57%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: V's dividend (0.57%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: V's dividend (0.57%) is low compared to the top 25% of dividend payers in the US market (3.68%).
Stable Dividend: V is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: V is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: V is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of V's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of Visa's salary, the management and board of directors tenure and is there insider trading?
3.6yrs
Average management tenure
CEO
Al Kelly (61yo)
2.8yrs
Tenure
US$19,493,946
Compensation
Mr. Alfred Francis Kelly Jr., also known as Al, has been Chairman of the Board at Visa Inc. since April 16, 2019. He has been the Chief Executive Officer of Visa Inc. since December 1, 2016. Mr. Kelly ser ...
CEO Compensation Analysis
Compensation vs. Market: Al's total compensation ($USD19.49M) is about average for companies of similar size in the US market ($USD11.18M).
Compensation vs Earnings: Al's compensation has been consistent with company performance over the past year.
Management Age and Tenure
3.6yrs
Average Tenure
53yo
Average Age
Experienced Management: V's management team is considered experienced (3.6 years average tenure).
Board Age and Tenure
8.2yrs
Average Tenure
64yo
Average Age
Experienced Board: V's board of directors are considered experienced (8.2 years average tenure).
Insider Trading
Insider Buying: V insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Vice Chairman Vice Chairman & CFO |
| Shares | 25,051 |
| Max Price | US$181.14 |
| Entity | Individual |
| Shares | 1,000 |
| Max Price | US$171.13 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 3,500 |
| Max Price | US$182.73 |
| Entity | Individual |
| Role | Chief Legal Officer Executive VP |
| Shares | 16,228 |
| Max Price | US$156.29 |
| Entity | Individual |
| Role | Chief Accounting Officer Senior VP |
| Shares | 2,252 |
| Max Price | US$144.56 |
Ownership Breakdown
Management Team
Al Kelly (61yo)
Chairman of the Board & CEO
- Tenure: 2.8yrs
- Compensation: US$19.49m
Vasant Prabhu (59yo)
Vice Chairman & CFO
- Tenure: 0.4yrs
- Compensation: US$12.57m
Kelly Tullier (53yo)
Executive VP
- Tenure: 5yrs
- Compensation: US$6.42m
Bill Sheedy (52yo)
Executive Vice President of The Strategy Group
- Tenure: 0yrs
- Compensation: US$1.97m
Rajat Taneja (55yo)
Executive Vice President of Technology & Operations
- Tenure: 0yrs
- Compensation: US$13.15m
Ryan McInerney (44yo)
President
- Tenure: 6.3yrs
- Compensation: US$13.29m
Jennifer Grant (47yo)
Executive VP of Human Resources & Chief Human Resources Officer
- Tenure: 1.2yrs
Lynne Biggar (56yo)
Executive VP and Chief Marketing & Communications Officer
- Tenure: 3.7yrs
James Hoffmeister (46yo)
Senior VP
- Tenure: 3.5yrs
Mike Milotich
Senior Vice President of Investor Relations
- Tenure: 1.5yrs
Board Members
Al Kelly (61yo)
Chairman of the Board & CEO
- Tenure: 2.8yrs
- Compensation: US$19.49m
John Lundgren (68yo)
Lead Independent Director
- Tenure: 0.5yrs
- Compensation: US$284.19k
Vasant Prabhu (59yo)
Vice Chairman & CFO
- Tenure: 0.4yrs
- Compensation: US$12.57m
Bob Matschullat (71yo)
Independent Director
- Tenure: 12yrs
- Compensation: US$507.55k
Mary Cranston (71yo)
Independent Director
- Tenure: 12yrs
- Compensation: US$355.05k
Francisco Javier Fernández Carbajal (64yo)
Independent Director
- Tenure: 12yrs
- Compensation: US$310.05k
Suzanne Nora Johnson (62yo)
Independent Director
- Tenure: 12yrs
- Compensation: US$345.05k
Lloyd Carney (57yo)
Independent Director
- Tenure: 4.3yrs
- Compensation: US$315.05k
John A. Swainson (65yo)
Independent Director
- Tenure: 12yrs
- Compensation: US$353.91k
Riko Abdurrahman
President Director of PT Visa Worldwide Indonesia
- Tenure: 1.7yrs
Company Information
Visa Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Visa Inc.
- Ticker: V
- Exchange: NYSE
- Founded: 1970
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: US$383.352b
- Shares outstanding: 2.17b
- Website: https://usa.visa.com
Number of Employees
Location
- Visa Inc.
- PO Box 8999
- San Francisco
- California
- 941282-8999
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| V | SWX (SIX Swiss Exchange) | Yes | Class A Common Stock | CH | CHF | Mar 2008 |
| 3V64 | DB (Deutsche Boerse AG) | Yes | Class A Common Stock | DE | EUR | Mar 2008 |
| 3V64 | XTRA (XETRA Trading Platform) | Yes | Class A Common Stock | DE | EUR | Mar 2008 |
| V * | BMV (Bolsa Mexicana de Valores) | Yes | Class A Common Stock | MX | MXN | Mar 2008 |
| VISA | WBAG (Wiener Boerse AG) | Yes | Class A Common Stock | AT | EUR | Mar 2008 |
| V | SNSE (Santiago Stock Exchange) | Yes | Class A Common Stock | CL | USD | Mar 2008 |
| V | NYSE (New York Stock Exchange) | Yes | Class A Common Stock | US | USD | Mar 2008 |
| 0QZ0 | LSE (London Stock Exchange) | Yes | Class A Common Stock | GB | USD | Mar 2008 |
| V | BVL (Bolsa de Valores de Lima) | Yes | Class A Common Stock | PE | USD | Mar 2008 |
| 3V64D | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Class A Common Stock | GB | EUR | Mar 2008 |
| VISA34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EACH REPR 1 COM SHS | BR | BRL | Feb 2012 | |
| V | BASE (Buenos Aires Stock Exchange) | CEDEARS (EACH 6 REP 1 COM USD0.0001) | AR | ARS | Apr 2019 |
Biography
Visa Inc. operates as a payments technology company worldwide. The company facilitates commerce through the transfer of value and information among consumers, merchants, financial institutions, businesses, ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/22 00:07 |
| End of Day Share Price | 2019/10/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/09/30 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.