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Also traded in: Austria, Brazil, Chile, Germany, Mexico, Romania, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt 0.72
NYSE:V's Cash-to-Debt is ranked lower than
57% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NYSE:V: 0.72 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:V' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.49  Med: 82.37 Max: No Debt
Current: 0.72
0.49
No Debt
Equity-to-Asset 0.49
NYSE:V's Equity-to-Asset is ranked higher than
57% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NYSE:V: 0.49 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:V' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.11  Med: 0.7 Max: 0.77
Current: 0.49
-0.11
0.77
Debt-to-Equity 0.50
NYSE:V's Debt-to-Equity is ranked higher than
78% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NYSE:V: 0.50 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:V' s Debt-to-Equity Range Over the Past 10 Years
Min: -0.4  Med: 0.01 Max: 0.56
Current: 0.5
-0.4
0.56
Debt-to-EBITDA 1.23
NYSE:V's Debt-to-EBITDA is ranked higher than
85% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NYSE:V: 1.23 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:V' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.01  Med: 0.06 Max: 1.78
Current: 1.23
0.01
1.78
Interest Coverage 20.92
NYSE:V's Interest Coverage is ranked higher than
55% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 7.50 vs. NYSE:V: 20.92 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:V' s Interest Coverage Range Over the Past 10 Years
Min: 18.9  Med: 117.12 Max: No Debt
Current: 20.92
18.9
No Debt
Piotroski F-Score: 8
Altman Z-Score: 6.82
Beneish M-Score: -2.59
WACC vs ROIC
8.38%
25.94%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating Margin % 63.70
NYSE:V's Operating Margin % is ranked higher than
88% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. NYSE:V: 63.70 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:V' s Operating Margin % Range Over the Past 10 Years
Min: 20.53  Med: 59.99 Max: 66.15
Current: 63.7
20.53
66.15
Net Margin % 47.91
NYSE:V's Net Margin % is ranked higher than
80% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NYSE:V: 47.91 )
Ranked among companies with meaningful Net Margin % only.
NYSE:V' s Net Margin % Range Over the Past 10 Years
Min: 12.84  Med: 38.25 Max: 47.91
Current: 47.91
12.84
47.91
ROE % 27.98
NYSE:V's ROE % is ranked higher than
86% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. NYSE:V: 27.98 )
Ranked among companies with meaningful ROE % only.
NYSE:V' s ROE % Range Over the Past 10 Years
Min: 6.81  Med: 16.18 Max: 27.98
Current: 27.98
6.81
27.98
ROA % 14.26
NYSE:V's ROA % is ranked higher than
89% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NYSE:V: 14.26 )
Ranked among companies with meaningful ROA % only.
NYSE:V' s ROA % Range Over the Past 10 Years
Min: 4.08  Med: 10.43 Max: 16.24
Current: 14.26
4.08
16.24
ROC (Joel Greenblatt) % 566.88
NYSE:V's ROC (Joel Greenblatt) % is ranked higher than
94% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 13.96 vs. NYSE:V: 566.88 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NYSE:V' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 79.61  Med: 373.31 Max: 566.88
Current: 566.88
79.61
566.88
3-Year Revenue Growth Rate 15.00
NYSE:V's 3-Year Revenue Growth Rate is ranked higher than
66% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NYSE:V: 15.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:V' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 11.7  Med: 17.5 Max: 43.1
Current: 15
11.7
43.1
3-Year EBITDA Growth Rate 18.20
NYSE:V's 3-Year EBITDA Growth Rate is ranked higher than
67% of the 314 Companies
in the Global Credit Services industry.

( Industry Median: 7.10 vs. NYSE:V: 18.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:V' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 17.5 Max: 66.3
Current: 18.2
0
66.3
3-Year EPS without NRI Growth Rate 9.00
NYSE:V's 3-Year EPS without NRI Growth Rate is ranked higher than
52% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NYSE:V: 9.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:V' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.15 Max: 75.2
Current: 9
0
75.2
GuruFocus has detected 4 Warning Signs with Visa Inc NYSE:V.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:V's 30-Y Financials

Financials (Next Earnings Date: 2018-10-25)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

V Guru Trades in Q3 2017

Jeremy Grantham 2,400 sh (New)
Paul Tudor Jones 45,759 sh (+237.48%)
Lee Ainslie 3,338,754 sh (+206.24%)
John Griffin 3,379,980 sh (+65.86%)
John Burbank 171,339 sh (+36.88%)
Andreas Halvorsen 10,220,406 sh (+29.90%)
First Eagle Investment 3,572,631 sh (+28.80%)
Ruane Cunniff 2,895,205 sh (+13.10%)
MS Global Franchise Fund 445,864 sh (+8.49%)
Ken Fisher 15,971,471 sh (+2.28%)
Tom Gayner 914,300 sh (+1.11%)
Tom Russo 567,051 sh (+0.87%)
David Carlson 1,280,000 sh (unchged)
Jeff Auxier 44,228 sh (unchged)
Chuck Akre 4,889,020 sh (unchged)
Chase Coleman 1,142,000 sh (unchged)
Murray Stahl 39,018 sh (unchged)
Stanley Druckenmiller 216,400 sh (unchged)
Warren Buffett 10,562,460 sh (unchged)
Steven Cohen 360,000 sh (unchged)
Diamond Hill Capital Sold Out
Jim Simons Sold Out
Wallace Weitz 797,802 sh (-0.24%)
Mario Gabelli 76,325 sh (-0.99%)
Mairs and Power 7,916 sh (-2.32%)
PRIMECAP Management 7,357,031 sh (-3.63%)
Pioneer Investments 2,541,758 sh (-3.75%)
Joel Greenblatt 140,190 sh (-4.28%)
Ron Baron 178,073 sh (-6.87%)
Dodge & Cox 6,380 sh (-7.27%)
Caxton Associates 6,400 sh (-9.86%)
Frank Sands 22,172,651 sh (-11.86%)
Manning & Napier Advisors, Inc 2,153,943 sh (-14.28%)
David Rolfe 1,838,646 sh (-17.47%)
Bill Nygren 3,735,000 sh (-19.42%)
Larry Robbins 2,028,651 sh (-23.59%)
Chris Davis 2,342,817 sh (-24.80%)
Robert Olstein 75,000 sh (-29.91%)
Louis Moore Bacon 200,000 sh (-38.46%)
Steven Cohen 1,404,259 sh (-52.61%)
Spiros Segalas 8,775,055 sh (-4.91%)
» More
Q4 2017

V Guru Trades in Q4 2017

First Pacific Advisors 10,650 sh (New)
Ray Dalio 14,498 sh (New)
Jim Simons 169,000 sh (New)
George Soros 21,900 sh (New)
Caxton Associates 15,647 sh (+144.48%)
Steven Cohen 2,310,287 sh (+64.52%)
Lee Ainslie 3,612,923 sh (+8.21%)
Ken Fisher 16,419,486 sh (+2.81%)
Tom Russo 574,391 sh (+1.29%)
Pioneer Investments 2,565,574 sh (+0.94%)
Tom Gayner 914,300 sh (unchged)
Jeremy Grantham 2,400 sh (unchged)
Steven Cohen 900,000 sh (unchged)
Jeff Auxier 44,228 sh (unchged)
Chuck Akre 4,889,020 sh (unchged)
Warren Buffett 10,562,460 sh (unchged)
Bill Nygren 3,735,000 sh (unchged)
Spiros Segalas 8,775,055 sh (unchged)
John Burbank Sold Out
Stanley Druckenmiller Sold Out
Ruane Cunniff 2,889,168 sh (-0.21%)
Wallace Weitz 789,802 sh (-1.00%)
Mairs and Power 7,696 sh (-2.78%)
Frank Sands 21,443,949 sh (-3.29%)
MS Global Franchise Fund 430,634 sh (-3.42%)
David Carlson 1,200,000 sh (-6.25%)
Ron Baron 166,437 sh (-6.53%)
PRIMECAP Management 6,808,239 sh (-7.46%)
Murray Stahl 35,988 sh (-7.77%)
Dodge & Cox 5,880 sh (-7.84%)
Robert Olstein 67,000 sh (-10.67%)
Larry Robbins 1,602,813 sh (-20.99%)
David Rolfe 1,422,095 sh (-22.66%)
Andreas Halvorsen 7,623,731 sh (-25.41%)
Chase Coleman 793,000 sh (-30.56%)
John Griffin 2,221,000 sh (-34.29%)
Louis Moore Bacon 125,000 sh (-37.50%)
Mario Gabelli 41,977 sh (-45.00%)
Joel Greenblatt 76,752 sh (-45.25%)
First Eagle Investment 1,804,150 sh (-49.50%)
Paul Tudor Jones 18,594 sh (-59.37%)
Chris Davis 699,583 sh (-70.14%)
» More
Q1 2018

V Guru Trades in Q1 2018

Diamond Hill Capital 1,943 sh (New)
Mairs and Power 62,596 sh (+713.36%)
Louis Moore Bacon 500,000 sh (+300.00%)
Jeremy Grantham 7,977 sh (+232.38%)
Ray Dalio 24,770 sh (+70.85%)
Paul Tudor Jones 31,710 sh (+70.54%)
Pioneer Investments 3,929,346 sh (+53.16%)
Joel Greenblatt 116,497 sh (+51.78%)
MS Global Franchise Fund 450,060 sh (+4.51%)
Ken Fisher 17,046,267 sh (+3.82%)
Tom Gayner 920,400 sh (+0.67%)
First Eagle Investment 1,807,246 sh (+0.17%)
First Pacific Advisors 10,650 sh (unchged)
Jeff Auxier 44,228 sh (unchged)
Chase Coleman 793,000 sh (unchged)
Warren Buffett 10,562,460 sh (unchged)
George Soros 21,900 sh (unchged)
Steven Cohen 50,000 sh (unchged)
Bill Nygren 3,735,000 sh (unchged)
John Griffin Sold Out
Chuck Akre 4,887,270 sh (-0.04%)
Mario Gabelli 41,760 sh (-0.52%)
Tom Russo 569,580 sh (-0.84%)
Wallace Weitz 782,856 sh (-0.88%)
Chris Davis 683,829 sh (-2.25%)
David Carlson 1,150,000 sh (-4.17%)
PRIMECAP Management 6,380,159 sh (-6.29%)
Dodge & Cox 5,500 sh (-6.46%)
Frank Sands 19,492,704 sh (-9.10%)
Ron Baron 149,606 sh (-10.11%)
Caxton Associates 13,765 sh (-12.03%)
Murray Stahl 31,549 sh (-12.33%)
David Rolfe 1,238,485 sh (-12.91%)
Steven Cohen 1,982,551 sh (-14.19%)
Robert Olstein 56,000 sh (-16.42%)
Lee Ainslie 2,687,532 sh (-25.61%)
Ruane Cunniff 2,054,885 sh (-28.88%)
Andreas Halvorsen 5,161,856 sh (-32.29%)
Larry Robbins 399,915 sh (-75.05%)
Jim Simons 37,866 sh (-77.59%)
Spiros Segalas 7,886,248 sh (-10.13%)
» More
Q2 2018

V Guru Trades in Q2 2018

Daniel Loeb 1,700,000 sh (New)
Jeremy Grantham 932,861 sh (+11594.38%)
Mairs and Power 495,459 sh (+691.52%)
Joel Greenblatt 209,873 sh (+80.15%)
Paul Tudor Jones 44,511 sh (+40.37%)
Tom Russo 624,012 sh (+9.56%)
Pioneer Investments 4,172,071 sh (+6.18%)
Ron Baron 157,852 sh (+5.51%)
Ken Fisher 17,685,789 sh (+3.75%)
Ruane Cunniff 2,069,853 sh (+0.73%)
Murray Stahl 31,624 sh (+0.24%)
David Carlson 1,150,000 sh (unchged)
Tom Gayner 920,400 sh (unchged)
First Pacific Advisors 10,650 sh (unchged)
Chase Coleman 793,000 sh (unchged)
Warren Buffett 10,562,460 sh (unchged)
Dodge & Cox 5,500 sh (unchged)
Chuck Akre 4,887,270 sh (unchged)
Jeff Auxier 44,228 sh (unchged)
Larry Robbins Sold Out
George Soros Sold Out
First Eagle Investment 1,804,248 sh (-0.17%)
Wallace Weitz 777,456 sh (-0.69%)
Diamond Hill Capital 1,912 sh (-1.60%)
Mario Gabelli 40,900 sh (-2.06%)
Frank Sands 18,624,521 sh (-4.45%)
David Rolfe 1,084,090 sh (-12.47%)
PRIMECAP Management 4,656,639 sh (-27.01%)
Caxton Associates 9,871 sh (-28.29%)
Steven Cohen 1,410,613 sh (-28.85%)
Robert Olstein 38,000 sh (-32.14%)
Andreas Halvorsen 3,207,474 sh (-37.86%)
Chris Davis 277,593 sh (-59.41%)
Lee Ainslie 951,222 sh (-64.61%)
Ray Dalio 8,313 sh (-66.44%)
Louis Moore Bacon 150,000 sh (-70.00%)
Jim Simons 3,800 sh (-89.96%)
Spiros Segalas 7,757,902 sh (-1.63%)
» More
» Details

Insider Trades

Latest Guru Trades with NYSE:V

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2018-06-30 Add 3.75%0.11%$117.7 - $136.28 $ 141.3310%17,685,789
Ruane Cunniff 2018-06-30 Add 0.73%0.02%$117.7 - $136.28 $ 141.3310%2,069,853
First Eagle Investment 2018-06-30 Reduce -0.17%$117.7 - $136.28 $ 141.3310%1,804,248
Wallace Weitz 2018-06-30 Reduce -0.69%0.03%$117.7 - $136.28 $ 141.3310%777,456
Chris Davis 2018-06-30 Reduce -59.41%0.21%$117.7 - $136.28 $ 141.3310%277,593
Joel Greenblatt 2018-06-30 Add 80.15%0.18%$117.7 - $136.28 $ 141.3310%209,873
Ron Baron 2018-06-30 Add 5.51%$117.7 - $136.28 $ 141.3310%157,852
Mario Gabelli 2018-06-30 Reduce -2.06%$117.7 - $136.28 $ 141.3310%40,900
Robert Olstein 2018-06-30 Reduce -32.14%0.27%$117.7 - $136.28 $ 141.3310%38,000
George Soros 2018-06-30 Sold Out 0.05%$117.7 - $136.28 $ 141.3310%0
Ken Fisher 2018-03-31 Add 3.82%0.1%$113.86 - $126.32 $ 141.3317%17,046,267
Chuck Akre 2018-03-31 Reduce -0.04%$113.86 - $126.32 $ 141.3317%4,887,270
Ruane Cunniff 2018-03-31 Reduce -28.88%0.78%$113.86 - $126.32 $ 141.3317%2,054,885
First Eagle Investment 2018-03-31 Add 0.17%$113.86 - $126.32 $ 141.3317%1,807,246
Tom Gayner 2018-03-31 Add 0.67%0.01%$113.86 - $126.32 $ 141.3317%920,400
Wallace Weitz 2018-03-31 Reduce -0.88%0.03%$113.86 - $126.32 $ 141.3317%782,856
Chris Davis 2018-03-31 Reduce -2.25%0.01%$113.86 - $126.32 $ 141.3317%683,829
Ron Baron 2018-03-31 Reduce -10.11%0.01%$113.86 - $126.32 $ 141.3317%149,606
Joel Greenblatt 2018-03-31 Add 51.78%0.06%$113.86 - $126.32 $ 141.3317%116,497
Robert Olstein 2018-03-31 Reduce -16.42%0.16%$113.86 - $126.32 $ 141.3317%56,000
Mario Gabelli 2018-03-31 Reduce -0.52%$113.86 - $126.32 $ 141.3317%41,760
Dodge & Cox 2018-03-31 Reduce -6.46%$113.86 - $126.32 $ 141.3317%5,500
Ken Fisher 2017-12-31 Add 2.81%0.07%$105.31 - $114.35 $ 141.3328%16,419,486
Ruane Cunniff 2017-12-31 Reduce -0.21%0.01%$105.31 - $114.35 $ 141.3328%2,889,168
First Eagle Investment 2017-12-31 Reduce -49.50%0.42%$105.31 - $114.35 $ 141.3328%1,804,150
Wallace Weitz 2017-12-31 Reduce -1.00%0.04%$105.31 - $114.35 $ 141.3328%789,802
Chris Davis 2017-12-31 Reduce -70.14%0.74%$105.31 - $114.35 $ 141.3328%699,583
Ron Baron 2017-12-31 Reduce -6.53%0.01%$105.31 - $114.35 $ 141.3328%166,437
Joel Greenblatt 2017-12-31 Reduce -45.25%0.1%$105.31 - $114.35 $ 141.3328%76,752
Robert Olstein 2017-12-31 Reduce -10.67%0.11%$105.31 - $114.35 $ 141.3328%67,000
Mario Gabelli 2017-12-31 Reduce -45.00%0.02%$105.31 - $114.35 $ 141.3328%41,977
George Soros 2017-12-31 New Buy0.07%$105.31 - $114.35 $ 141.3328%21,900
Dodge & Cox 2017-12-31 Reduce -7.84%$105.31 - $114.35 $ 141.3328%5,880
Ken Fisher 2017-09-30 Add 2.28%0.06%$93.25 - $106.21 $ 141.3339%15,971,471
Bill Nygren 2017-09-30 Reduce -19.42%0.5%$93.25 - $106.21 $ 141.3339%3,735,000
First Eagle Investment 2017-09-30 Add 28.80%0.19%$93.25 - $106.21 $ 141.3339%3,572,631
Ruane Cunniff 2017-09-30 Add 13.10%0.31%$93.25 - $106.21 $ 141.3339%2,895,205
Chris Davis 2017-09-30 Reduce -24.80%0.32%$93.25 - $106.21 $ 141.3339%2,342,817
Tom Gayner 2017-09-30 Add 1.11%0.02%$93.25 - $106.21 $ 141.3339%914,300
Wallace Weitz 2017-09-30 Reduce -0.24%0.01%$93.25 - $106.21 $ 141.3339%797,802
Ron Baron 2017-09-30 Reduce -6.87%0.01%$93.25 - $106.21 $ 141.3339%178,073
Joel Greenblatt 2017-09-30 Reduce -4.28%0.01%$93.25 - $106.21 $ 141.3339%140,190
Mario Gabelli 2017-09-30 Reduce -0.99%$93.25 - $106.21 $ 141.3339%76,325
Robert Olstein 2017-09-30 Reduce -29.91%0.38%$93.25 - $106.21 $ 141.3339%75,000
Dodge & Cox 2017-09-30 Reduce -7.27%$93.25 - $106.21 $ 141.3339%6,380
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522320    SIC: 7389
Compare:NYSE:MA, NAS:PYPL, NYSE:AXP, NYSE:COF, NYSE:DFS, NYSE:SYF, TSE:8591, BOM:500034, NYSE:TSS, NYSE:ADS, NYSE:WU, COL:CINS.X0000, XPAR:EDEN, TSE:8572, NAS:CACC, TSE:8593, NSE:SRTRANSFIN, NAS:SLM, TSE:8570, BOM:533519 » details
Traded in other countries:VISA.Austria, VISA34.Brazil, V.Chile, 3V64.Germany, V.Mexico, VISA.Romania, V.Switzerland, 0QZ0.UK,
Headquarter Location:USA
Visa Inc is a payments technology company working to enable consumers, businesses, banks and governments to use fast, secure and reliable digital currency. The Company operates processing networks - VisaNet.

Visa manages payment brands and an "open loop" global payment network, which allows it to provide authorization, clearing, and settlement of electronic payment transactions. The firm generates revenue by charging fees to its customers (issuers and acquirers) based on the dollar volume of card activity and the number of transactions processed through the network.

Guru Investment Theses on Visa Inc

Jeff Auxier Comments on Visa - May 07, 2018

Visa (NYSE:V)



Visa has a strong business model that is continuing to perform well. They are global leaders in electronic payments with their market share of digital transactions accounting for around 58% worldwide. Visa produced over $8 billion in free cash flow in 2017, has been growing earnings at a double-digit pace, and has great room to increase their dividend.

From Jeff Auxier (Trades, Portfolio)'s first-quarter 2018 shareholder letter.

Check out Jeff Auxier latest stock trades

David Rolfe Comments on Visa - Jan 12, 2018

Visa (NYSE:V) is a marvel – an incredible cash-generating machine. Visa was one of our top performers in the fourth quarter and for the full year. The multiyear tailwind of the global transition away from cash transactions continues unabated, driving solid double-digit growth in payment volumes, transactions, revenues and earnings throughout the year. As of the end of the September quarter, Visa estimates that after all of these years only roughly 10% of global payment volumes are paid by card; with cash, check, and ACH still making up the overwhelming majority of transactions. We continue to expect Visa to benefit as electronic payments take share throughout the world and increase their penetration in all forms of transactions, from Personal Consumption (where cards have a relatively higher, but still small, share than in other forms of payment) to the significantly underpenetrated areas of Business-to-Business, Person-to-Person, and Business-to-Consumer.



The Company is not resting on its laurels with their success in the U.S. Back in June 2016, Visa purchased Visa Europe for a whopping $23 billion – adding over $15 billion on its balance sheet to finance the deal. The acquisition will recombine the global Visa brand after eight years as separate entities.

The Company has large ambitions outside of Europe, too. The U.S. payment processors have their collective eyes on the giant Chinese market. The $8 trillion yuan bank card network is currently dominated by state-backed China UnionPay. We expect the Company (if they haven’t already) to begin preparing to request licenses to operate in China.



As with much of our portfolio, particularly in our tech-related holdings, we are not concerned about the company’s growth prospects or long-term competitive position, but we are keeping an eye on valuation. Visa’s competitive position and competitive advantage is nearly unmatched. The Company generates buckets of free cash flow (FCF) to match its competitive position. Visa’s 5-year average FCF per revenues is an amazing 40%. But, like most of the market, Visa is trading at a healthy valuation on an absolute and relative historical basis, but we feel that the company’s steady and highly visible longer-term growth potential in volume, revenue, earnings, and cash flows establishes Visa as an attractive value in relation to our investment universe.

From David Rolfe (Trades, Portfolio)'s fourth quarter 2017 shareholder commentary.

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Wally Weitz Comments on Visa - May 18, 2017

Visa (NYSE:V) is the world’s largest electronic payment network. The company recently closed on its acquisition of Visa Europe, allowing it to provide a fully integrated network to clients, which should result in increased market share and lower costs. We believe Visa will compound nicely as worldwide payment volumes grow, developing countries switch from cash to cards, and the company uses its technology and network to participate in all forms of electronic payments.



From Weitz Funds' first-quarter 2017 Research Fund shareholder letter.



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Jeff Auxier Comments on Visa - May 09, 2017

Visa (NYSE:V) dominates the global market for electronic payments handling over half of all credit card transactions globally. The trend toward digital payments and away from cash is strong and fundamentals for global commerce and spending have been improving. Their network processes over $8 trillion in transactions annually.



From Jeff Auxier (Trades, Portfolio)'s Auxier Asset Management first quarter 2017 shareholder letter.

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David Rolfe Comments on Visa - Apr 14, 2017

Visa (NYSE:V) was a top performer during the Quarter, bouncing back after detracting during the 4th Quarter. Not much changed over that timeframe; however, constant-dollar payment volume growth and cross border volume growth continued accelerating across several key markets as Visa has gained share, which helped the Company post adjusted earnings per share growth of +23% during the December Quarter. We think the recent acquisition of Visa Europe should provide the Company with continued opportunities for growth, not only from a cost savings standpoint but also from a revenue perspective. Several European markets have card payment share that remains significantly under-penetrated relative to cash, when compared to the U.S., so the shift towards e-commerce should continue to aid Visa’s value proposition. The Company maintains a conservative balance sheet, with a substantial amount of offshore cash, and the stock’s valuation continues to be attractive, especially relative to the Company’s high-teen growth profile for the next several years.

From David Rolfe (Trades, Portfolio)'s Wedgewood Partners first-quarter 2017 shareholder letter.

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Weitz Funds Comments on Visa - Jan 26, 2017

Visa (NYSE:V) is the world’s largest electronic payment network. The company recently closed on its acquisition of Visa Europe, allowing it to provide a fully integrated network to clients, which should result in increased market share and lower costs. We believe Visa will compound nicely as worldwide payment volumes grow, developing countries switch from cash to cards and the company uses its technology and network to participate in all forms of electronic payments.



From Weitz Investment Management's Value Fund fourth quarter 2016 commentary.



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David Rolfe Comments on Visa - Jan 16, 2017

Visa (NYSE:V)'s valuation came under pressure following the election early November as the market saw a rotation out of higher-multiple tech and financial securities and into more cyclical names. We used this opportunity to increase weightings across accounts as valuation levels became more attractive.

Visa has consistently grown its revenue, EBITDA, and earnings double digits as it has played a key role in facilitating commerce’s multi-decade move away from paper-based transactions. The Company effectively represents the collective economic bargaining power of many of the United States’ and, more recently Europe’s, credit and debit card issuers – particularly banks. Visa has tremendous scale in card transaction processing, as they facilitated over $5.7 trillion in credit and debit volume across more than 120 billion transactions, during their fiscal 2016 - well above 2015 levels. Going forward, we fully expect to see this growth trajectory continue, with added help from the integration of Visa Europe which, as we've discussed previously, should help drive double digit accretion.

From David Rolfe (Trades, Portfolio)'s fourth quarter 2016 Wedgewood Partners investor letter.



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Ratios

vs
industry
vs
history
PE Ratio 34.64
V's PE Ratio is ranked lower than
79% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. V: 34.64 )
Ranked among companies with meaningful PE Ratio only.
V' s PE Ratio Range Over the Past 10 Years
Min: 14.83  Med: 29.71 Max: 91.48
Current: 34.64
14.83
91.48
Forward PE Ratio 26.32
V's Forward PE Ratio is ranked lower than
89% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. V: 26.32 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 34.64
V's PE Ratio without NRI is ranked lower than
79% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. V: 34.64 )
Ranked among companies with meaningful PE Ratio without NRI only.
V' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.83  Med: 29.71 Max: 91.48
Current: 34.64
14.83
91.48
Price-to-Owner-Earnings 55.38
V's Price-to-Owner-Earnings is ranked lower than
88% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 14.62 vs. V: 55.38 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
V' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 24.82  Med: 54.68 Max: 546.99
Current: 55.38
24.82
546.99
PB Ratio 11.64
V's PB Ratio is ranked lower than
96% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. V: 11.64 )
Ranked among companies with meaningful PB Ratio only.
V' s PB Ratio Range Over the Past 10 Years
Min: 1.73  Med: 4.28 Max: 11.64
Current: 11.64
1.73
11.64
PS Ratio 16.54
V's PS Ratio is ranked lower than
86% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. V: 16.54 )
Ranked among companies with meaningful PS Ratio only.
V' s PS Ratio Range Over the Past 10 Years
Min: 5.28  Med: 10.56 Max: 16.54
Current: 16.54
5.28
16.54
Price-to-Free-Cash-Flow 29.38
V's Price-to-Free-Cash-Flow is ranked lower than
85% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. V: 29.38 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
V' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 14.19  Med: 29.38 Max: 1010.91
Current: 29.38
14.19
1010.91
Price-to-Operating-Cash-Flow 27.63
V's Price-to-Operating-Cash-Flow is ranked lower than
81% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 7.24 vs. V: 27.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
V' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 13.13  Med: 27.59 Max: 298.71
Current: 27.63
13.13
298.71
EV-to-EBIT 25.75
V's EV-to-EBIT is ranked lower than
67% of the 352 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. V: 25.75 )
Ranked among companies with meaningful EV-to-EBIT only.
V' s EV-to-EBIT Range Over the Past 10 Years
Min: -101.4  Med: 18.5 Max: 46.2
Current: 25.75
-101.4
46.2
EV-to-EBITDA 24.62
V's EV-to-EBITDA is ranked lower than
67% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 14.65 vs. V: 24.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
V' s EV-to-EBITDA Range Over the Past 10 Years
Min: -161.2  Med: 17.45 Max: 40.5
Current: 24.62
-161.2
40.5
EV-to-Revenue 16.69
V's EV-to-Revenue is ranked lower than
83% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. V: 16.69 )
Ranked among companies with meaningful EV-to-Revenue only.
V' s EV-to-Revenue Range Over the Past 10 Years
Min: 4.8  Med: 10.1 Max: 16.9
Current: 16.69
4.8
16.9
PEG Ratio 1.08
V's PEG Ratio is ranked lower than
59% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. V: 1.08 )
Ranked among companies with meaningful PEG Ratio only.
V' s PEG Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.51 Max: 2.88
Current: 1.08
0.98
2.88
Shiller PE Ratio 70.46
V's Shiller PE Ratio is ranked lower than
97% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 17.29 vs. V: 70.46 )
Ranked among companies with meaningful Shiller PE Ratio only.
V' s Shiller PE Ratio Range Over the Past 10 Years
Min: 47.62  Med: 58.01 Max: 70.97
Current: 70.46
47.62
70.97
Current Ratio 1.69
V's Current Ratio is ranked lower than
54% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. V: 1.69 )
Ranked among companies with meaningful Current Ratio only.
V' s Current Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.83 Max: 4.76
Current: 1.69
0.76
4.76
Quick Ratio 1.69
V's Quick Ratio is ranked lower than
53% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. V: 1.69 )
Ranked among companies with meaningful Quick Ratio only.
V' s Quick Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.83 Max: 4.76
Current: 1.69
0.76
4.76
Days Sales Outstanding 22.23
V's Days Sales Outstanding is ranked lower than
55% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 19.27 vs. V: 22.23 )
Ranked among companies with meaningful Days Sales Outstanding only.
V' s Days Sales Outstanding Range Over the Past 10 Years
Min: 19.93  Med: 22.98 Max: 25.32
Current: 22.23
19.93
25.32
Days Payable 14.40
V's Days Payable is ranked lower than
69% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 39.69 vs. V: 14.40 )
Ranked among companies with meaningful Days Payable only.
V' s Days Payable Range Over the Past 10 Years
Min: 18.16  Med: 27.4 Max: 37.73
Current: 14.4
18.16
37.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.59
V's Dividend Yield % is ranked lower than
86% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 2.56 vs. V: 0.59 )
Ranked among companies with meaningful Dividend Yield % only.
V' s Dividend Yield % Range Over the Past 10 Years
Min: 0.14  Med: 0.65 Max: 0.79
Current: 0.59
0.14
0.79
Dividend Payout Ratio 0.19
V's Dividend Payout Ratio is ranked higher than
82% of the 170 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. V: 0.19 )
Ranked among companies with meaningful Dividend Payout Ratio only.
V' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.18 Max: 0.28
Current: 0.19
0.11
0.28
3-Year Dividend Growth Rate 18.20
V's 3-Year Dividend Growth Rate is ranked higher than
81% of the 115 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. V: 18.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
V' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 23.65 Max: 79.4
Current: 18.2
0
79.4
Forward Dividend Yield % 0.60
V's Forward Dividend Yield % is ranked lower than
89% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. V: 0.60 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.67
V's 5-Year Yield-on-Cost % is ranked lower than
63% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 2.55 vs. V: 1.67 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
V' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4  Med: 1.84 Max: 2.23
Current: 1.67
0.4
2.23
3-Year Average Share Buyback Ratio 1.80
V's 3-Year Average Share Buyback Ratio is ranked higher than
87% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. V: 1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
V' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.8  Med: 1.8 Max: 7.5
Current: 1.8
-5.8
7.5

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 2.67
V's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
81% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. V: 2.67 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
V' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.77  Med: 2.15 Max: 2.62
Current: 2.67
1.77
2.62
Price-to-Median-PS-Value 1.57
V's Price-to-Median-PS-Value is ranked lower than
78% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. V: 1.57 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
V' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.58  Med: 1 Max: 1.47
Current: 1.57
0.58
1.47
Price-to-Peter-Lynch-Fair-Value 2.36
V's Price-to-Peter-Lynch-Fair-Value is ranked lower than
75% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. V: 2.36 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
V' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.08  Med: 1.55 Max: 2.65
Current: 2.36
1.08
2.65
Earnings Yield (Greenblatt) % 3.88
V's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 454 Companies
in the Global Credit Services industry.

( Industry Median: 4.38 vs. V: 3.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
V' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2.2  Med: 5.2 Max: 10.9
Current: 3.88
-2.2
10.9
Forward Rate of Return (Yacktman) % 16.86
V's Forward Rate of Return (Yacktman) % is ranked higher than
91% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 8.48 vs. V: 16.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
V' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 7  Med: 20.1 Max: 22.7
Current: 16.86
7
22.7

More Statistics

Revenue (TTM) (Mil) $20,030.00
EPS (TTM) $ 4.08
Beta0.97
Volatility10.61%
52-Week Range $101.94 - 143.14
Shares Outstanding (Mil)2,292.69

Analyst Estimate

Sep18 Sep19 Sep20
Revenue (Mil $) 21,627 24,002 25,238
EBIT (Mil $) 13,441 15,469 17,287
EBITDA (Mil $) 14,297 16,388 17,939
EPS ($) 4.47 5.25 6.09
EPS without NRI ($) 4.47 5.25 6.09
EPS Growth Rate
(Future 3Y To 5Y Estimate)
18.67%
Dividends per Share ($) 0.78 1.03 1.04

Piotroski F-Score Details

Piotroski F-Score: 88
Positive ROAY
Positive CFROAY
Higher ROA yoyY
CFROA > ROAY
Lower Leverage yoyN
Higher Current Ratio yoyY
Less Shares Outstanding yoyY
Higher Gross Margin yoyY
Higher Asset Turnover yoyY

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