Visa Inc

$ 162.64 1.13 (0.7%)
Volume: 4,093,506 Avg Vol (1m): 7,312,022
Market Cap $: 366.42 Bil Enterprise Value $: 376.99 Bil
P/E (TTM): 33.60 P/B: 12.87
Earnings Power Value 36.02
Net Current Asset Value -9.9
Tangible Book -5.81
Projected FCF 63.5
Median P/S Value 102.12
Graham Number 0
Peter Lynch Value 78.12
DCF (FCF Based) 144.28
DCF (Earnings Based) 137.79
1Y (-%)

Financial Strength : 7/10

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.
Current vs industry vs history
Cash-to-Debt 0.69
Cash-To-Debt ranked lower than
57.24% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
V: 0.69
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.49, Med: 57.24, Max: 10000
Current: 0.69
0.49
10000
Equity-to-Asset 0.49
Equity-to-Asset ranked higher than
56.66% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
V: 0.49
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: -0.11, Med: 0.69, Max: 0.77
Current: 0.49
-0.11
0.77
Debt-to-Equity 0.49
Debt-to-Equity ranked higher than
77.73% of 220 companies
in the Credit Services industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
V: 0.49
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: -0.4, Med: 0.02, Max: 0.56
Current: 0.49
-0.4
0.56
Debt-to-EBITDA 1.13
Debt-to-EBITDA ranked higher than
84.81% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
V: 1.13
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0.01, Med: 1.19, Max: 1.78
Current: 1.13
0.01
1.78
Interest Coverage 23.13
Interest Coverage ranked higher than
55.47% of 402 companies
in the Credit Services industry.
Industry Max: 10000, Med: 7.5, Min: 0.01
V: 23.13
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 21.17, Med: 117.12, Max: 10000
Current: 23.13
21.17
10000
Piotroski F-Score 7
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 7.53
DISTRESS
GREY
SAFE
Beneish M-Score -2.52
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 28.61%
WACC 7.43%

Profitability & Growth : 9/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 62.97
Operating Margin ranked higher than
87.90% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 19.77, Min: -7041.41
V: 62.97
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 20.53, Med: 61.03, Max: 66.15
Current: 62.97
20.53
66.15
Net Margin % 51.34
Net Margin ranked higher than
79.68% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
V: 51.34
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 20.57, Med: 39.73, Max: 51.34
Current: 51.34
20.57
51.34
ROE % 31.92
ROE ranked higher than
85.78% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
V: 31.92
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 7.91, Med: 18.56, Max: 31.92
Current: 31.92
7.91
31.92
ROA % 15.99
ROA ranked higher than
89.40% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
V: 15.99
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 5.73, Med: 11.15, Max: 16.24
Current: 15.99
5.73
16.24
ROC (Joel Greenblatt) % 580.58
ROC (Joel Greenblatt) ranked higher than
93.99% of 366 companies
in the Credit Services industry.
Industry Max: 24326.53, Med: 13.96, Min: -25896.1
V: 580.58
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 79.61, Med: 402.14, Max: 580.58
Current: 580.58
79.61
580.58
3-Year Total Revenue Growth Rate 14.10
3-Year Revenue Growth Rate ranked higher than
65.73% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
V: 16.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 11.7, Med: 16.9, Max: 43.1
Current: 16.1
11.7
43.1
3-Year Total EBITDA Growth Rate 13.90
3-Year EBITDA Growth Rate ranked higher than
66.56% of 314 companies
in the Credit Services industry.
Industry Max: 397.7, Med: 7.1, Min: -162.8
V: 16
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: 16.8, Max: 66.3
Current: 16
0
66.3
3-Year EPS w/o NRI Growth Rate 19.70
3-Year EPS w/o NRI Growth Rate ranked higher than
52.33% of 300 companies
in the Credit Services industry.
Industry Max: 1125.7, Med: 8, Min: -132.1
V: 19.7
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 9.3, Max: 75.2
Current: 19.7
0
75.2

» V's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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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 BOM:500034 NYSE:SYF TSE:8591 NYSE:TSS XPAR:EDEN NAS:CACC COL:CSF.N0000 NYSE:WU NYSE:ADS TPE:5871 TSE:8572 NYSE:OMF TSE:8593 TSE:8570 NAS:SLM
Traded in other countries VISA.Austria VISA34.Brazil 3V64.Germany VISA.Romania 0QZ0.UK
Address P.O. Box 8999, San Francisco, CA, USA, 94128-8999
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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 33.60
PE Ratio ranked lower than
78.72% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
V: 33.6
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 14.83, Med: 29.93, Max: 84.19
Current: 33.6
14.83
84.19
Forward PE Ratio 30.58
Forward P/E ranked lower than
89.06% of 64 companies
in the Credit Services industry.
Industry Max: 56.5, Med: 12.5, Min: 0.06
V: 30.58
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 33.60
PE without NRI ranked lower than
79.06% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
V: 33.6
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 14.83, Med: 29.93, Max: 84.19
Current: 33.6
14.83
84.19
Price-to-Owner-Earnings 62.34
Price-to-Owner-Earnings ranked lower than
88.24% of 102 companies
in the Credit Services industry.
Industry Max: 1561.11, Med: 14.62, Min: 0.35
V: 62.34
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 24.82, Med: 53.62, Max: 546.99
Current: 62.34
24.82
546.99
PB Ratio 12.87
PB Ratio ranked lower than
95.93% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
V: 12.87
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.73, Med: 4.71, Max: 12.98
Current: 12.87
1.73
12.98
PS Ratio 17.25
PS Ratio ranked lower than
85.99% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
V: 17.25
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 5.28, Med: 10.83, Max: 17.4
Current: 17.25
5.28
17.4
Price-to-Free-Cash-Flow 32.09
Price-to-Free-Cash-Flow ranked lower than
84.62% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
V: 32.09
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 14.19, Med: 29.21, Max: 1010.91
Current: 32.09
14.19
1010.91
Price-to-Operating-Cash-Flow 30.32
Price-to-Operating-Cash-Flow ranked lower than
81.10% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
V: 30.32
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 13.13, Med: 27.47, Max: 298.71
Current: 30.32
13.13
298.71
EV-to-EBIT 26.79
EV-to-EBIT ranked lower than
67.05% of 352 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 16.26, Min: 0.08
V: 26.79
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -101.4, Med: 19.4, Max: 46.2
Current: 26.79
-101.4
46.2
EV-to-EBITDA 25.64
EV-to-EBITDA ranked lower than
66.94% of 366 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 14.65, Min: 0.08
V: 25.64
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -161.2, Med: 18.3, Max: 40.5
Current: 25.64
-161.2
40.5
EV-to-Revenue 17.39
EV-to-Revenue ranked lower than
82.59% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
V: 17.39
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 4.8, Med: 10.4, Max: 17.7
Current: 17.39
4.8
17.7
PEG Ratio 2.14
PEG Ratio ranked lower than
59.40% of 133 companies
in the Credit Services industry.
Industry Max: 257.2, Med: 0.97, Min: 0.01
V: 2.14
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0.98, Med: 1.61, Max: 3.58
Current: 2.14
0.98
3.58
Shiller PE Ratio 69.00
Shiller PE Ratio ranked lower than
96.97% of 66 companies
in the Credit Services industry.
Industry Max: 128.8, Med: 17.29, Min: 1.21
V: 69
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 48.85, Med: 62.61, Max: 74.19
Current: 69
48.85
74.19
Current Ratio 1.62
Current Ratio ranked lower than
53.67% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
V: 1.62
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.76, Med: 1.78, Max: 4.76
Current: 1.62
0.76
4.76
Quick Ratio 1.62
Quick Ratio ranked lower than
52.75% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
V: 1.62
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.76, Med: 1.78, Max: 4.76
Current: 1.62
0.76
4.76
Days Sales Outstanding 23.64
Days Sales Outstanding ranked lower than
54.59% of 218 companies
in the Credit Services industry.
Industry Max: 928.93, Med: 19.27, Min: 0.03
V: 23.64
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 21.39, Med: 22.98, Max: 25.32
Current: 23.64
21.39
25.32
Days Payable 10.67
Days Payable ranked lower than
68.75% of 64 companies
in the Credit Services industry.
Industry Max: 930.92, Med: 39.69, Min: 0.24
V: 10.67
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 10.67, Med: 26.37, Max: 35.13
Current: 10.67
10.67
35.13

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 0.59
Trailing Dividend Yield ranked lower than
86.39% of 316 companies
in the Credit Services industry.
Industry Max: 95, Med: 2.56, Min: 0.01
V: 0.59
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.14, Med: 0.64, Max: 0.79
Current: 0.59
0.14
0.79
Dividend Payout Ratio 0.19
Dividend Payout Ratio ranked higher than
81.76% of 170 companies
in the Credit Services industry.
Industry Max: 183.33, Med: 0.3, Min: 0.02
V: 0.19
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.12, Med: 0.19, Max: 0.28
Current: 0.19
0.12
0.28
3-Year Dividend Growth Rate (Per Share) 19.80
3-Year Dividend Growth Rate ranked higher than
80.87% of 115 companies
in the Credit Services industry.
Industry Max: 132.1, Med: 4.6, Min: -100
V: 19.8
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 19.8, Max: 79.4
Current: 19.8
0
79.4
Forward Dividend Yield % 0.61
Forward Dividend Yield ranked lower than
88.85% of 305 companies
in the Credit Services industry.
Industry Max: 95, Med: 2.72, Min: 0.01
V: 0.61
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 1.41
Yield-on-Cost (5y) ranked lower than
62.69% of 402 companies
in the Credit Services industry.
Industry Max: 142.86, Med: 2.55, Min: 0.01
V: 1.41
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.34, Med: 1.56, Max: 1.93
Current: 1.41
0.34
1.93
3-Year Share Buyback Rate 3.00
3-Year Share Buyback Rate ranked higher than
87.11% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
V: 3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -5.8, Med: 1.8, Max: 7.6
Current: 3
-5.8
7.6

Valuation & Return

Current vs industry vs history
Price-to-Projected-FCF 2.56
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
81.11% of 90 companies
in the Credit Services industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
V: 2.56
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 1.77, Med: 2.16, Max: 2.69
Current: 2.56
1.77
2.69
Price-to-DCF (Earnings Based) 1.18
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked lower than
100.00% of 21 companies
in the Credit Services industry.
Industry Max: 2.76, Med: 0.79, Min: 0.14
V: 1.18
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 1, Med: 1.13, Max: 1.2
Current: 1.18
1
1.2
Price-to-Median-PS-Value 1.59
Price-to-Median-PS-Value ranked lower than
77.60% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
V: 1.59
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.57, Med: 0.98, Max: 1.59
Current: 1.59
0.57
1.59
Price-to-Peter-Lynch-Fair-Value 2.08
Price-to-Peter-Lynch-Fair-Value ranked lower than
75.00% of 84 companies
in the Credit Services industry.
Industry Max: 394.94, Med: 0.93, Min: 0.16
V: 2.08
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 1.08, Med: 1.67, Max: 2.65
Current: 2.08
1.08
2.65
Earnings Yield (Joel Greenblatt) % 3.73
Earnings Yield (Greenblatt) ranked lower than
51.98% of 454 companies
in the Credit Services industry.
Industry Max: 1250, Med: 4.38, Min: -434.78
V: 3.73
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -1.2, Med: 5.1, Max: 10.9
Current: 3.73
-1.2
10.9
Forward Rate of Return (Yacktman) % 18.20
Forward Rate of Return ranked higher than
90.70% of 172 companies
in the Credit Services industry.
Industry Max: 154.45, Med: 8.48, Min: -140.02
V: 18.2
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 7, Med: 19.5, Max: 22.7
Current: 18.2
7
22.7

More Statistics

Revenue (TTM) (Mil) $ 21,674
EPS (TTM) $ 4.84
Beta 0.88
Volatility % 18.13
52-Week Range $ 121.6 - 165.74
Shares Outstanding (Mil) 2,185.39

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 7
Positive ROA Y
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy Y
Higher Gross Margin yoy N
Higher Asset Turnover yoy Y