V

Financial Services

Visa Inc. · Financial - Credit Services · $701B

UQS Score — Balanced Preset
55.0
Good

Visa Inc. scores 55.0/100 using the Balanced preset.

UQS vs Financial Services Sector
V
55.0
Sector avg
39.7
Quality
Good
Moat
Strong
Growth
Weak
Risk
Good
Valuation
Elevated

V Price History

+76.5% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Visa Inc.?

$
Today it would be worth
$15,571
That's a +55.7% total return, or +9.3% annualized.

Based on Visa Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

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Pro Analysis

V — Score History

1530456075Jul 11Jul 29Aug 16Sep 3Sep 21Oct 8
Score changes· 21 most recent
DateUQSQualityMoatGrowthRiskValueChange
Sep 23, 202655.066.788.020.562.618.8-5.0
Sep 22, 202660.079.588.020.562.630.9+38.0
Aug 12, 202622.00.088.00.00.00.0-48.6
Aug 6, 202670.684.688.059.754.149.5-1.6
Aug 4, 202672.284.688.059.762.651.30.0
Aug 2, 202672.284.688.059.662.651.20.0
Aug 1, 202672.284.888.059.662.651.5+0.4
Jul 31, 202671.884.288.059.362.650.2-0.4
Jul 29, 202672.284.588.058.864.351.0-0.1
Jul 25, 202672.384.788.058.864.351.6-0.1

V — Pillar Breakdown

◆

Quality

— 66.7/100 (25%)

Visa Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Operating ProfitabilityStrong

Ability to convert revenue into operating profit.

Net ProfitabilityStrong

Bottom-line profit as a share of revenue.

Cash GenerationWeak

Free cash flow relative to market value.

▲

Growth

— 20.5/100 (20%)

Visa Inc. faces growth headwinds with declining or stagnant revenue trends.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

Forward Revenue OutlookModerate

Analyst consensus for future revenue growth.

◈

Risk

— 62.6/100 (15%)

Visa Inc. maintains a reasonable risk profile with manageable debt levels.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageStrong

Earnings capacity relative to interest payments.

●

Valuation

— 18.8/100 (15%)

Visa Inc. appears expensively valued relative to its fundamentals and growth prospects.

Earnings YieldWeak

Inverse of forward P/E — higher yield means cheaper stock.

EV/EBITDA vs SectorWeak

Enterprise value multiple relative to sector median.

⬡

Moat

— 88/100 (25%)

Visa Inc. benefits from powerful competitive advantages creating significant barriers to entry. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for V.

Score Composition

Quality
66.7×25%16.7
Growth
20.5×20%4.1
Risk
62.6×15%9.4
Valuation
18.8×15%2.8
Moat
88.0×25%22.0
Total
55.0Good

Financial Data

More Stock Analysis

How is the V UQS Score Calculated?

The UQS (Unified Quality Score) for Visa Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Visa Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Visa Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.