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VisaV -1.32%96 EV-to-EBITDA is 24.23 as of Jul. 21, 2026, which is 15% below its 10-year median of 28.52. GuruFocus rates V with a GF Score™ of 96/100 and a GF Value™ of $421.76 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 325 Credit Services companies, Visa ranks worse than 54.77% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Visa's enterprise value is $687,269 Mil.
Visa's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $28,369 Mil. Therefore, Visa's EV-to-EBITDA for today is 24.23.
The historical rank and industry rank for Visa's EV-to-EBITDA or its related term are showing as below:
V'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 22.11 Med: 28.52 Max: 42.77
Current: 24.23
During the past 13 years, the highest EV-to-EBITDA of Visa was 42.77. The lowest was 22.11. And the median was 28.52.
V's EV-to-EBITDA is ranked worse than 54.77% of 325
companies
in the Credit Services industry
Industry Median: 22.4
vs V: 24.23
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-07-21), Visa's stock price is $355.82.
Visa's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $11.480. Therefore, Visa's PE Ratio (TTM) for today is 30.99.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Visa (NYSE:V) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Visa's share price for today is $355.82.
Visa's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $11.480.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Visa's EV-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.
For the Credit Services subindustry, Visa's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Visa's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Visa's EV-to-EBITDA falls into.
Visa's current Enterprise Value is $687,269 Mil.
Visa's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $28,369 Mil.
* 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 (V) has a EV-to-EBITDA of 24.23 as of Jul. 21, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Visa. This is 15% below median its historical median of 28.52. Over the past decade, Visa's EV-to-EBITDA has ranged from 22.11 to 42.77. According to the industry distribution chart, Visa ranks #178 out of 325 companies in the Credit Services industry, placing it in the top 54.8%.
Is Visa's EV-to-EBITDA too high?
Visa's current EV-to-EBITDA of 24.23 is 15% below median its 10-year median of 28.52. Over the past 10 years, this metric has ranged from a low of 22.11 to a high of 42.77. The Credit Services industry median EV-to-EBITDA is 22.40. Visa's value of 24.23 is 8.2% above this industry median. Based on the distribution chart, Visa ranks #178 out of 325 companies in the Credit Services industry, which is below the industry midpoint. Overall, Visa has a GF Score™ of 96/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Visa's EV-to-EBITDA compare to MA and AXP?
According to the Credit Services industry distribution chart, Visa ranks #178 out of 325 companies for EV-to-EBITDA. This places Visa in the lower half of its industry. The industry median EV-to-EBITDA is 22.40. Visa's value of 24.23 is 8.2% above this benchmark. Historically, Visa's own EV-to-EBITDA has ranged from 22.11 to 42.77 over the past decade. While the company's 10-year median is 28.52 vs. the industry median of 22.40, Visa has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.40, based on 325 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Visa's current EV-to-EBITDA of 24.23 is 8.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Visa. For the Credit Services industry, the median EV-to-EBITDA is 22.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Visa's current EV-to-EBITDA is 24.23, which is 15% below median its own 10-year median of 28.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Visa stock overvalued right now?
Based on GuruFocus' analysis, Visa (V) is currently considered Modestly Undervalued. The stock's GF Value™ is $421.76, compared to a current price of $355.82 — trading 15.6% below its estimated fair value. The current EV-to-EBITDA is 24.23, which is 15% below median its 10-year median of 28.52 and 8.2% above the Credit Services industry median of 22.40. Visa's overall GF Score™ is 96/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Visa (V), the current EV-to-EBITDA is 24.23 as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Visa (V) Overvalued in 2026?
Based on GuruFocus' analysis, Visa stock appears to be undervalued.
The current stock price of $355.82 is trading 15.6% below its estimated GF Value™ of $421.76.
GuruFocus considers Visa to be Modestly Undervalued.
Key valuation signals for V:
EV-to-EBITDA: 24.23 (15% below median its 10-year median of 28.52)
GF Value™: $421.76 vs. price of $355.82 (15.6% below fair value)
Industry Position: 8.2% above the Credit Services median (#178 of 325)
No single metric tells the full story. See the V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
96GF Score
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