D/E 0.68 — near the Financial Services debt median (≈60th pctile)
P/E31.2xC
P/E 31.2 — expensive vs Financial Services peers (≈90th pctile)
PEG1.62C+
PEG 1.62 — modest premium; above fair value
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 58.4 / 100
Profitability1.00
Value (P/B)0.12
Income0.39
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
2% off the 12-month high
vs DCF fair value41% aboveest. fair value ~$260
What the price assumes: free cash flow compounding at ~17% a year for the next decade — vs the ~13% a year our model projects from current growth and analyst estimates.
Quality signals · context only
ROIC34.7% · Areturn on invested capital — not score-weighted
Why now
Credit Services · market cap $683.6b. Trading near 52-week high of $373.97 — momentum setup, limited technical margin of safety. Revenue growing +14%, comfortably above the S&P median. 38 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $412.16 (implying +13% 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, a sign that working capital and capex are well-disciplined.
Risk
Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 31x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 15.9x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
Horizon
1-3 yr $412.16 (38-analyst consensus) — fundamentals + valuation re-rating. 5 yr $603.44 at ~11% CAGR — compounding case rests on the competitive position widening. 10 yr $895.16 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
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.
Position sizing · V
$
%
%
Shares to buy
5
Position size
$1,831
3.7% of portfolio
Stop price
$274.60
25% below $366.13
$ at risk if stopped
$457.66
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
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+). On valuation, V sits about 41% above our discounted-cash-flow fair value — the current price implies roughly 17% annual free-cash-flow growth over the next decade.
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+).
Is V overvalued or undervalued?
Based on $366.13, V sits about 41% above our discounted-cash-flow fair value — the current price implies roughly 17% annual free-cash-flow growth over the next decade. It trades at a 31.2x× P/E (graded C). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in V?
Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 31x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 15.9x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.