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V

Visa Inc.

NYQ · Financial Services

$382.19

-$0.22 (-0.06%)down -0.06%

25 August 2026 · delayed 15+ min

D+

Quality score67.9 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

Visa Inc. earns a D+ on excellent profit margins (>20%) and strong ROE (>20%) but current ratio below 1.0 (liquidity concerns) and high debt-to-equity ratio (>2.0). Reasonable investment with moderate upside potential.

Model stance HOLD Suggested position 6.0% · $600.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 6.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in dollars.

IQ-V-20260825engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

$293.89

Lowest analyst target

$330.00

Today's price

$382.19

52-week high

$383.43

Mean analyst target

$418.22

Highest analyst target

$450.00

V trades 99% of the way up its 52-week range, between $293.89 and $383.43. The mean analyst target of $418.22 is 9.4% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthExcellent profit margins (>20%); Strong ROE (>20%); Current ratio below 1.0 (liquidity concerns); High debt-to-equity ratio (>2.0) 85.023%

Profit margin

50.78%

Net profit per unit of revenue

exceptionalWhat this means

Of every 100 units of revenue, this much survives as profit.

Margins this wide usually mean real pricing power or a moat.

Operating margin

66.13%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

97.72%

After the cost of goods only

highWhat this means

What is left of revenue after only the direct cost of the product.

Little marginal cost per sale, which is what lets software and pharma fund heavy R&D.

Return on equity

61.19%

Profit per unit of shareholder capital

very strongWhat this means

Profit generated per unit of shareholder capital.

Rare when sustained — check whether debt is flattering it, since borrowing shrinks the equity denominator.

Return on assets

19.11%

Profit per unit of assets

very strongWhat this means

Profit generated per unit of everything the company owns.

Usually an asset-light business — the value is in people and brands, not property.

Debt to equity

67.82

Borrowings against equity

moderateWhat this means

Borrowings measured against shareholder capital.

Normal for most established companies.

Current ratio

0.98

Short-term assets over short-term debts

tightWhat this means

Short-term assets against short-term obligations.

Below 1 the company owes more within a year than it holds — workable if customers pay up front, risky otherwise.

Quick ratio

0.63

As above, excluding inventory

adequateWhat this means

Short-term assets excluding inventory, against short-term debts.

Near-term obligations are roughly covered without selling inventory.

Revenue growth

14.40%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

10.20%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

$22.13B

Trailing twelve months

Free cash flow

$20.40B

Cash left after capital spending

Operating cash flow

$22.58B

Cash from the business itself

Payout ratio

22.13%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumLow Sharpe ratio (0.50) 70.022%

Return, 1 month

4.45%

Return, 3 months

16.88%

Return, 6 months

22.59%

Return, year to date

10.97%

Return, 1 year

10.44%

Return, 3 years

63.29%

Sharpe ratio

0.50

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

53.27%

Share of days that closed up

consistently positiveWhat this means

The share of trading days that closed higher.

More up days than most shares manage.

Average daily return

0.05%

Best day

10.60%

Worst day

-7.74%

ValuationHigh P/B ratio (20.25) 30.018%

P/E ratio

32.55

Price against trailing earnings

highWhat this means

You pay 32.55 for every 1 unit of annual earnings.

Above about 25 the market is paying up for expected growth.

Forward P/E

25.49

Price against forecast earnings

moderateWhat this means

Price against next year's *forecast* earnings.

A conventional range.

PEG ratio

1.68

P/E adjusted for growth

fairWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Between 1 and 2 price and growth are roughly in step.

Price to book

20.25

Price against balance-sheet equity

well above bookWhat this means

Price against the accounting value of the company's net assets.

Normal for asset-light businesses, where the value sits in brands and software the balance sheet never records.

Price to sales

16.04

Price against revenue

highWhat this means

Price against revenue — usable when a company has no profit yet.

The price assumes today's revenue will convert into much more profit later.

EV / EBITDA

22.95

Whole-company value against cash earnings

highWhat this means

Whole-company value, debt included, against cash earnings.

Expensive even before interest, tax and depreciation are considered.

Enterprise value

$713.44B

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

1,704,112,694

Shares the profit is split across

Dividend yield

0.70%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalPrice well above 200-day SMA (strong uptrend); RSI in healthy range (30-70) 100.015%

RSI (14)

69.3

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

5.57

Momentum against its own trend

MACD histogram

1.11

Positive is bullish

ADX

20.8

Trend strength; above 25 is a real trend

trendingWhat this means

Trend strength, regardless of direction.

Above 25 is conventionally read as a genuine trend in force.

20-day average

$366.75

50-day average

$354.70

200-day average

$331.06

Price vs 50-day

7.75%

Price vs 200-day

15.44%

Bollinger upper

$378.88

Bollinger lower

$354.62

Average true range

7.03

Typical daily trading range

Stochastic %K

95.1

Risk4 measured figures 30.012%

Volatility, annualised

22.96%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.76

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-24.14%

Worst peak-to-trough fall

containedWhat this means

The worst peak-to-trough fall in the period measured.

No catastrophic fall in this window.

Risk category

Moderate

The engine's own banding

Analyst viewAnalyst consensus: Strong Buy; Strong analyst coverage (36 analysts) 90.010%

Consensus

Strong Buy

What covering analysts rate it

Analysts covering

36

Mean price target

$418.22

Highest target

$450.00

Lowest target

$330.00

Implied upside

9.43%

Target against today's price

limitedWhat this means

How far the mean analyst target sits above today's price.

Little headroom to the consensus target.

Price against the S&P 500

180 trading days to 2026-08-25

V is 16.1% up over the window, against 11.6% up for the S&P 500 — ahead by 4.5 points.
V +16.1%S&P 500 +11.6%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-05, so they can be compared directly.
DateCloseV rebasedS&P 500 rebased
2025-12-05$329.26100.0100.0
2025-12-29$352.49107.1100.5
2026-01-21$323.3498.2100.1
2026-02-11$327.9599.6101.0
2026-03-05$318.5596.799.4
2026-03-26$304.3392.494.3
2026-04-17$315.7895.9103.7
2026-05-08$317.5496.4107.7
2026-06-01$322.1797.8110.6
2026-06-23$327.8799.6107.2
2026-07-15$354.48107.7110.2
2026-08-05$367.86111.7112.4

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health85.023%19.6
Growth & momentum70.022%15.4
Valuation30.018%5.4
Technical100.015%15.0
Risk30.012%3.6
Analyst view90.010%9.0
ESG50.00%0.0
Quality score100%68.0

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

D+

68.0 / 100

Identical to the IQInvest grade.

All 66 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
Worst dayGrowth & momentum-7.74%Yahoo Finance
Win rateGrowth & momentum53.27%Yahoo Finance
VolumeMarket data1,761,866Yahoo Finance
Volatility, annualisedRisk22.96%Yahoo Finance
Stochastic %KTechnical95.1Yahoo Finance
Sharpe ratioGrowth & momentum0.50Yahoo Finance
Shares outstandingValuation1,704,112,694Yahoo Finance
RSI (14)Technical69.3Yahoo Finance
Risk categoryRiskModerateYahoo Finance
Revenue growthFinancial health14.40%Yahoo Finance
RevenueFinancial health$22.13BYahoo Finance
Return, year to dateGrowth & momentum10.97%Yahoo Finance
Return, 6 monthsGrowth & momentum22.59%Yahoo Finance
Return, 3 yearsGrowth & momentum63.29%Yahoo Finance
Return, 3 monthsGrowth & momentum16.88%Yahoo Finance
Return, 1 yearGrowth & momentum10.44%Yahoo Finance
Return, 1 monthGrowth & momentum4.45%Yahoo Finance
Return on equityFinancial health61.19%Yahoo Finance
Return on assetsFinancial health19.11%Yahoo Finance
Quick ratioFinancial health0.63Yahoo Finance
Profit marginFinancial health50.78%Yahoo Finance
Price vs 50-dayTechnical7.75%Yahoo Finance
Price vs 200-dayTechnical15.44%Yahoo Finance
Price to salesValuation16.04Yahoo Finance
Price to bookValuation20.25Yahoo Finance
Previous closeMarket data$382.41Yahoo Finance
PEG ratioValuation1.68Yahoo Finance
Payout ratioFinancial health22.13%Yahoo Finance
P/E ratioValuation32.55Yahoo Finance
Operating marginFinancial health66.13%Yahoo Finance
Operating cash flowFinancial health$22.58BYahoo Finance
OpenMarket data$381.20Yahoo Finance
Mean price targetAnalyst view$418.22Yahoo Finance
Maximum drawdownRisk-24.14%Yahoo Finance
MACD histogramTechnical1.11Yahoo Finance
MACDTechnical5.57Yahoo Finance
Lowest targetAnalyst view$330.00Yahoo Finance
Implied upsideAnalyst view9.43%Yahoo Finance
Highest targetAnalyst view$450.00Yahoo Finance
Gross marginFinancial health97.72%Yahoo Finance
Free cash flowFinancial health$20.40BYahoo Finance
Forward P/EValuation25.49Yahoo Finance
EV / EBITDAValuation22.95Yahoo Finance
Enterprise valueValuation$713.44BYahoo Finance
EmployeesMarket data34,100Yahoo Finance
Earnings growthFinancial health10.20%Yahoo Finance
Dividend yieldValuation0.70%Yahoo Finance
Debt to equityFinancial health67.82Yahoo Finance
Day lowMarket data$380.40Yahoo Finance
Day highMarket data$383.42Yahoo Finance
Current ratioFinancial health0.98Yahoo Finance
ConsensusAnalyst viewStrong BuyYahoo Finance
Bollinger upperTechnical$378.88Yahoo Finance
Bollinger lowerTechnical$354.62Yahoo Finance
BetaRisk0.76Yahoo Finance
Best dayGrowth & momentum10.60%Yahoo Finance
Average volumeMarket data8,144,555Yahoo Finance
Average true rangeTechnical7.03Yahoo Finance
Average daily returnGrowth & momentum0.05%Yahoo Finance
Analysts coveringAnalyst view36Yahoo Finance
ADXTechnical20.8Yahoo Finance
52-week lowMarket data$293.89Yahoo Finance
52-week highMarket data$383.43Yahoo Finance
50-day averageTechnical$354.70Yahoo Finance
200-day averageTechnical$331.06Yahoo Finance
20-day averageTechnical$366.75Yahoo Finance
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