Credit Services. Scored on the same transparent model behind the daily rankings.
★
V
Visa Inc. · Credit Services
58.3Financial strength
$385.45Oct 9 close$723.6B
1Y Target$419.36Analyst consensus · 37 analysts
5Y Target$613.99Compound horizon
10Y Target$910.81Long-dated conviction
FCF$21.2bTTM · 03/26A
FCF $21.2b — top-tier cash generation, rarefied air · TTM from SEC filings (OCF − CapEx), four quarters to 03/26.
Rev+14.4%TTM YoYB+
Revenue +14.4% — above sector median, healthy trajectory · Latest four quarters of revenue vs the four before them, from SEC filings.
D/E0.68B
D/E 0.68 — near the Financial Services debt median (≈60th pctile)
P/E32.8xD
P/E 32.8 — most expensive decile in Financial Services (≈95th pctile)
PEG1.70C+
PEG 1.70 — modest premium; above fair value
Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology
Financial strength · 58.3 / 100
Profitability100.0
Value (P/B)12.0
Income38.9
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeNear 52-week high
0% off the 12-month high
Quality signals
ROIC34.7% · Areturn on invested capital — leads the quality score
Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards
Why now
Credit Services · market cap $723.6b. Trading near 52-week high of $386.84 — momentum setup, limited technical margin of safety. Revenue growing +14%, comfortably above the S&P median. 37 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $419.36 (implying +9% upside).
Moat
Net margin 52% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 62% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 95% of net income — earnings translate cleanly into cash.
Risk
Trading within 0% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 33x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 16.8x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
Horizon
1-3 yr $419.36 (37-analyst consensus) — fundamentals + valuation re-rating. 5 yr $613.99 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $910.81 if current growth sustains into durable earnings power.
Score history · V
Not enough history yet — the model records V's score after each daily run, and the chart appears once a few days have accumulated.
V at a glance
Same audited fundamentals as the score, unless a card says otherwise.
Analyst estimate revisions
30-day change
-0.0%
90-day change
+0.9%
Forward EPS estimate
$15.00
Over the last 90 days, what analysts expect V to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →
Position sizing · V
$
%
%
Shares to buy
5
Position size
$1,927
3.9% of portfolio
Stop price
$289.09
25% below $385.45
$ at risk if stopped
$481.81
budget $500.00 · 1% of portfolio
Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.
Visa Inc. (V): score, valuation & FAQ
Visa Inc. (V) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are FCF (A) and Rev (B+), while P/E (D) rate weaker.
Is V a good stock to buy?
Bull Rankings grades V on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by FCF (A) and Rev (B+). A score is a quantitative screen of Visa Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade V?
As a bank, insurer or REIT, V isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on FCF (A) and Rev (B+) and weakest on P/E (D).
Is V overvalued or undervalued?
We don't publish a discounted-cash-flow value for V, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. V is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.
What are the main risks of investing in V?
Trading within 0% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 33x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 16.8x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.