Visa (BSP:VISA34) Debt-to-EBITDA : (As of Jun. 2026)

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BSP:VISA34 Visa Inc BSP:VISA34
98 GF Score
Price R$94.10
GF Value R$102.94
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Visa Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Visa's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was R$15,507 Mil. Visa's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was R$107,981 Mil. Visa's annualized EBITDA for the quarter that ended in Jun. 2026 was R$149,455 Mil. Visa's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 0.83.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Visa's Debt-to-EBITDA or its related term are showing as below:

BSP:VISA34' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.81   Med: 1.17   Max: 1.78
Current: 0.82

During the past 13 years, the highest Debt-to-EBITDA Ratio of Visa was 1.78. The lowest was 0.81. And the median was 1.17.

BSP:VISA34's Debt-to-EBITDA is ranked better than
85.37% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs BSP:VISA34: 0.82

Visa  (BSP:VISA34) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Visa Debt-to-EBITDA Related Terms


Visa Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Visa's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Visa Debt-to-EBITDA Chart

Visa Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Debt-to-EBITDA
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Visa Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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BSP:VISA34 vs MA, AXP, COF: Debt-to-EBITDA Comparison

For the Credit Services subindustry, Visa's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Visa Debt-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Visa's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Visa's Debt-to-EBITDA falls into.


BSP:VISA34
98GF Score
Visa Inc BSP:VISA34
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Visa Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Visa's Debt-to-EBITDA for the fiscal year that ended in Sep. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(30456.822603906 + 108454.83341993) / 148147.89594182
=0.94

Visa's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(15507.147508803 + 107980.67801357) / 149454.90414954
=0.83

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is Visa (BSP:VISA34) Overvalued in 2026?

Based on GuruFocus' analysis, Visa stock appears to be undervalued. The current stock price of R$94.10 is trading 8.6% below its estimated GF Value™ of R$102.94. GuruFocus considers Visa to be Fairly Valued.

Key valuation signals for BSP:VISA34:

  • Debt-to-EBITDA:
  • GF Value™: R$102.94 vs. price of R$94.10 (8.6% below fair value)
  • GF Score™: 98/100 with 4 warning signs

No single metric tells the full story. See the BSP:VISA34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Visa Business Description

Address P.O. Box 8999, San Francisco, CA, USA, 94128-8999
Visa is the largest payment processor in the world. In fiscal 2025, it processed almost $17 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
98GF Score

Get the complete analysis for BSP:VISA34

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$94.10
Price
R$102.94
GF Value