Visa (V) Moat Score: 9/10 (As of Jun. 24, 2026)


V Visa Inc V
96 GF Score
Price $333.26
GF Value $415.60
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Visa Moat Score?

Visa V +1.46% 96 Moat Score is 9 as of Jun. 24, 2026. GuruFocus rates V with a GF Score™ of 96/100 and a GF Value™ of $415.60 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 567 Credit Services companies, Visa ranks better than 99.82% on this metric.

Visa has the Moat Score of 9, which implies that the company might have Wide Moat - Clear and robust wide moat.

Visa has Wide Moat: Visa Inc has a robust wide moat due to its dominant market position, strong network effects, significant customer switching costs, and superior distribution network. Its brand strength and regulatory barriers further solidify its durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Visa might have Wide Moat - Clear and robust wide moat.

Visa  (NYSE:V) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Visa Moat Score Related Terms

V vs MA, AXP, COF: Moat Score Comparison

For the Credit Services subindustry, Visa's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Visa's Moat Score distribution charts can be found below:

* The bar in red indicates where Visa's Moat Score falls into.


V
96GF Score
Visa Inc V
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 9 mean?
Visa (V) has a Moat Score of 9 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Visa ranks #1 out of 567 companies in the Credit Services industry, placing it in the top 0.2%.
Is Visa's Moat Score too high?
Visa's current Moat Score is 9. Based on the distribution chart, Visa ranks #1 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to MA and AXP?
According to the Credit Services industry distribution chart, Visa ranks #1 out of 567 companies for Moat Score. This places Visa in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Visa's current Moat Score is 9. 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 $415.60, compared to a current price of $333.26 — trading 19.8% below its estimated fair value. The current Moat Score is 9. Visa's overall GF Score™ is 96/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Visa (V), the current Moat Score is 9 as of Jun. 24, 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 $333.26 is trading 19.8% below its estimated GF Value™ of $415.60. GuruFocus considers Visa to be Modestly Undervalued.

Key valuation signals for V:

  • Moat Score: 9
  • GF Value™: $415.60 vs. price of $333.26 (19.8% below fair value)
  • GF Score™: 96/100 with 2 warning signs

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 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.
96GF Score

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

$333.26
Price
$415.60
GF Value