US · V
Visa Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- San Francisco, CA 94128-8999
- Website
- usa.visa.com
Price · as of 2025-09-30
$328.03
Market cap 617.24B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $239.22 | -27.07% |
| Intrinsic Value(DCF) | $168.30 | -48.69% |
| Graham-Dodd Method(GD) | $25.13 | -92.34% |
| Graham Formula(GF) | $196.60 | -40.07% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $21.94 | $89.67 | $0.00 | $8.09 | $23.83 |
| 2012 | $33.79 | $98.67 | $0.24 | $5.48 | $13.86 |
| 2013 | $46.28 | $49.72 | $0.53 | $10.42 | $39.33 |
| 2014 | $60.83 | $57.80 | $1.50 | $11.07 | $33.81 |
| 2015 | $70.81 | $63.45 | $2.21 | $13.08 | $43.80 |
| 2016 | $74.19 | $62.06 | $6.03 | $11.55 | $41.07 |
| 2017 | $106.31 | $90.38 | $6.47 | $11.91 | $84.23 |
| 2018 | $130.31 | $108.44 | $7.23 | $18.55 | $91.08 |
| 2019 | $174.25 | $132.81 | $7.24 | $20.73 | $105.03 |
| 2020 | $198.49 | $134.66 | $11.11 | $16.20 | $17.00 |
| 2021 | $206.64 | $153.53 | $11.46 | $19.35 | $104.47 |
| 2022 | $203.62 | $158.06 | $17.27 | $20.85 | $201.61 |
| 2023 | $251.49 | $194.05 | $37.74 | $24.38 | $157.69 |
| 2024 | $308.18 | $227.44 | $33.87 | $27.87 | $174.94 |
| 2025 | $330.56 | $239.22 | $53.22 | $25.13 | $196.60 |
AI valuation
Our deep-learning model estimates Visa Inc.'s (V) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $239.22
- Current price
- $328.03
- AI upside
- -27.07%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$168.30
-48.69% upside
Graham-Dodd
$25.13
-92.34% upside
Graham Formula
$196.60
-40.07% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| V | Visa Inc. | $328.03 | 617.24B | -27% | -49% | -92% | -40% | 32.00 | 16.93 | 16.05 | 24.81 | 662.56 | -66.76 | 80.36% | 59.98% | 50.14% | 52.07% | 46.32% | 20.66% | 0.66 | 40.74 | 1.08 | 0.84 | 0.19 | 483.00% | 1134.00% | 1543.00% | 3.36% | 0.66 | 50.24% | 0.72% | 23.10% | 3.41% | 26.89 | 29.90 | 16.13 | 7.68 |
| ALLY | Ally Financial Inc. | $39.44 | 12.17B | +70% | -30% | +1% | — | 14.50 | 0.80 | 1.02 | 9.84 | 45.79 | 0.80 | 51.98% | 8.65% | 7.01% | 5.80% | 5.49% | 0.44% | 1.40 | 0.16 | 0.90 | 0.90 | 4.79 | 3167.00% | -2575.00% | -47453.00% | -32.38% | 0.00 | -25.75% | 3.96% | 57.40% | 4.44% | 22.92 | -6.02 | 1.98 | 0.03 |
| AXP | American Express Company | $308.90 | 212.79B | -47% | +34% | -77% | -19% | 19.72 | 6.38 | 2.66 | 13.42 | 203.33 | 7.49 | 62.85% | 20.64% | 13.39% | 33.99% | 31.68% | 3.79% | 1.73 | 5.91 | 0.28 | 0.28 | 0.61 | 970.00% | 844.00% | 3183.00% | 7.49% | 0.11 | 38.89% | 1.06% | 21.00% | 4.01% | 13.42 | 13.93 | 2.77 | 0.56 |
| BAC | Bank of America Corporati… | $49.83 | 363.88B | -30% | -32% | -34% | -48% | 12.02 | 1.21 | 1.94 | -6.31 | 64.53 | 1.57 | 55.42% | 18.48% | 16.23% | 10.19% | 371.61% | 0.91% | 1.21 | 0.44 | 0.42 | 0.42 | 3.66 | 1863.00% | -191.00% | -24325.00% | 3.44% | 0.00 | 153.03% | 2.61% | 31.30% | 70.57% | -6.62 | -18.31 | -1.22 | -0.26 |
| JPM | JPMorgan Chase & Co. | $300.30 | 809.92B | -24% | +27% | -59% | -21% | 14.61 | 2.29 | 2.96 | 6.60 | 962.11 | 2.78 | 60.01% | 25.89% | 20.35% | 16.06% | -20.56% | 1.35% | 1.38 | 0.74 | 14.85 | 14.85 | 2.16 | 152.00% | 353.00% | -34009.00% | 12.16% | 1.56 | -36.35% | 2.00% | 29.30% | 21.26% | 6.60 | 4.75 | 1.71 | 0.62 |
| MA | Mastercard Incorporated | $517.21 | 461.58B | -20% | -31% | -93% | -23% | 31.22 | 60.40 | 14.25 | 23.52 | 164.90 | -63.35 | 83.43% | 59.17% | 45.65% | 210.49% | 100.14% | 29.28% | 2.46 | 26.87 | 1.03 | 0.78 | 0.39 | 1893.00% | 1642.00% | 1822.00% | 3.62% | 0.76 | 108.35% | 0.59% | 18.40% | 3.51% | 24.48 | 28.08 | 14.48 | 10.05 |
| PYPL | PayPal Holdings, Inc. | $46.21 | 43.24B | +158% | -45% | -24% | +50% | 8.36 | 2.16 | 1.31 | 5.63 | 23.50 | 4.76 | 47.03% | 19.70% | 15.70% | 25.73% | 27.80% | 6.47% | 0.49 | 14.89 | 1.29 | 1.25 | 0.25 | 3559.00% | 485.00% | -1778.00% | 12.72% | 0.14 | 28.32% | 0.30% | 2.50% | 17.28% | 6.60 | 7.79 | 1.30 | 1.89 |
| SEZL | Sezzle Inc. | $72.95 | 2.49B | +49% | +1,437% | -66% | +284% | 19.31 | 15.14 | 5.71 | 14.86 | 27.64 | 15.44 | 85.35% | 39.26% | 29.57% | 103.34% | 78.96% | 38.11% | 0.83 | 12.61 | 3.92 | 3.55 | 0.43 | 6986.00% | 6608.00% | 42835.00% | 8.11% | 2.34 | 113.87% | 0.00% | 0.00% | 2.52% | 14.97 | 12.70 | 5.88 | 10.06 |
| SLM | SLM Corporation | $18.74 | 3.71B | +111% | -4% | — | +133% | 5.27 | 1.60 | 1.26 | 5.79 | 18.12 | 1.64 | 53.11% | 31.92% | 23.95% | 32.31% | 18.20% | 2.49% | 2.39 | 0.88 | 8.08 | 11.91 | 1.84 | 2910.00% | 410.00% | -27472.00% | 14.65% | 1.15 | 14.06% | 17.82% | 94.00% | 27.21% | 5.81 | 10.01 | 1.85 | 0.67 |
About Visa Inc.
Visa Inc. operates as a payments technology company worldwide. The company facilitates digital payments among consumers, merchants, financial institutions, businesses, strategic partners, and government entities. It operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. In addition, the company offers card products, platforms, and value-added services. It provides its services under the Visa, Visa Electron, Interlink, VPAY, and PLUS brands. Visa Inc. has a strategic agreement with Ooredoo to provide an enhanced payment experience for Visa cardholders and Ooredoo customers in Qatar. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.
- CEO
- Ryan McInerney
- Employees
- 28.8K
- Beta
- 0.78
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($168.30 ÷ $328.03) − 1 = -48.69% (DCF, example).