V
VISA INC.Data updated: 2026-04-15 · Current price: $325.75
Composite Score: 66
HOLD
Score: 66 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
75
Growth
64
Valuation
33
Moat
38
Stability
87
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
52.9%
Quality threshold: > 15%
Gross Margin
60.0%
Quality threshold: > 40%
Rev. Growth (5yr)
13.5%
Quality threshold: > 5%
5-Year ROE: 52.9% → 50.4% → 44.6% → 42.0% → 32.8%|5-Year Gross Margin: 60.0% → 65.7% → 64.3% → 64.2% → 65.6%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
1.63
Quality threshold: < 0.5
FCF (5yr avg)
19.6B $
Quality threshold: > 0
Current Ratio
1.61x
Quality threshold: > 1.5
FCF Trend (B USD)
$23.1B2022
$19.9B2023
$20.8B2024
$18.8B2025
$15.2B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$20.1B
Net Income + D&A - CapEx
Current Price
$325.75
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett