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Visa V
$ 375.62 0.09%
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Quarterly report 2026-Q2
added 06-20-2026

Visa Financial Ratios 2025-2006 | V

Brief overview of Visa 's market valuation

The comparison uses the five latest available annual observations between 2015 and 2019.

The current valuation set is P/E 32.49x (median 32.49x), P/B 11.31x (median 7.74x), P/CF 32.63x (median 30.76x). The multiple basket looks neutral against its history, differing from median levels by roughly +6.1%.

The 1/P/E calculation produces a 3.1% earnings yield. It does not capture future growth or capital structure.

The latest available business-quality ratios are ROE 52.9%, ROA 20.1%, ROCE 63.3%. Current resource returns are convincing and help explain a higher market valuation.

Price, earnings and growth produce a PEG of 1.32x, a neutral level if forecasts are realistic.

For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.

Overall assessment

Visa 's market valuation is near its own historical norm, while quality ratios provide no extreme signal.

Annual Financial Ratios Visa

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006

P/E

- - - - - - 32.5 28.9 37.9 32.7 30.0 27.3 26.6 52.3 21.5 - - - - -

P/S

- - - - - - 17.1 14.4 13.8 13.0 13.7 11.7 11.3 10.8 8.5 - - - - -

EV (Enterprise Value)

44.6 B 43.4 B 35.5 B 34.2 B 28.8 B 25.5 B 422 B 324 B 279 B 222 B 197 B 158 B 140 B 122 B 84.6 B 4.53 B 4.47 B 7.72 B -275 M -270 M

EBITDA per Share

- - - - - - 7.33 6.33 5.52 4.3 3.91 3.42 2.93 2.03 1.74 - - - - -

EV/EBITDA

1.8 1.8 1.6 1.7 1.7 26.7 25.0 21.6 20.6 20.1 19.5 17.1 17.1 16.7 13.3 0.9 3.1 5.3 0.2 -

PEG

- - - - - -3.2 1.32 0.55 2.26 -8.73 1.53 2.0 0.14 -1.3 -0.37 - - - - -

P/B

- - - - - - 11.3 8.7 7.7 6.0 6.4 5.4 4.9 4.1 3.0 - - - - -

P/CF

- - - - - - 32.6 24.8 29.8 38.8 30.8 22.3 52.0 24.2 22.3 - - - - -

ROE %

52.91 50.45 44.60 42.04 32.75 30.01 34.83 30.29 20.45 18.20 21.21 19.84 18.53 7.76 13.81 11.86 3.29 3.80 214.77 -

ROA %

20.13 20.89 19.09 17.49 14.85 13.43 16.65 14.88 9.85 9.36 15.73 14.10 13.85 5.36 10.50 8.88 2.36 2.30 - -

ROCE %

63.29 60.29 54.22 52.87 42.04 38.89 26.03 23.41 20.98 17.44 26.04 25.03 22.90 19.46 17.45 18.35 5.25 5.83 289.22 -

Current Ratio

1.6 1.7 1.7 1.7 1.8 1.8 1.6 1.6 1.9 1.8 2.0 1.6 1.8 1.5 2.7 4.0 3.6 2.8 - -

DSO

25.9 24.6 24.1 24.8 27.1 26.4 72.9 49.4 50.8 66.3 35.0 48.8 52.7 47.5 38.6 20.8 73.2 10.0 - -

DPO

27.1 24.9 22.4 22.2 18.9 15.9 13.7 17.3 20.1 26.8 18.2 22.5 28.0 25.9 34.0 43.8 46.8 22.1 - -

Operating Cycle

25.9 24.6 24.1 24.8 27.1 26.4 72.9 49.4 50.8 66.3 35.0 48.8 52.7 47.5 38.6 20.8 73.2 10.0 - -

Cash Conversion Cycle

-1.2 -0.2 1.7 2.7 8.2 10.5 59.2 32.1 30.7 39.5 16.9 26.3 24.8 21.6 4.6 -22.9 26.4 -12.1 - -

All numbers in USD currency

Quarterly Financial Ratios Visa

2026-Q2 2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q3 2024-Q2 2024-Q1 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1 2010-Q3 2010-Q2 2010-Q1 2009-Q3

ROE %

57.65 54.13 51.30 49.18 49.46 46.75 45.53 45.33 44.34 43.81 43.71 39.20 27.89 27.89 36.25 34.41 23.47 47.58 47.06 47.00 47.98 49.98 52.47 53.45 52.91 48.73 46.76 46.22 45.04 37.03 36.48 35.30 34.28 32.70 27.66 26.40 26.46 30.26 34.70 34.91 33.94 33.73 33.00 32.22 31.82 29.99 29.59 29.10 28.58 16.23 5.01 4.46 3.54 5.12 15.64 14.89 14.02 13.67 13.06 12.32 2.97 3.25 3.20

ROA %

22.58 21.82 21.12 20.90 21.32 20.41 19.96 19.81 19.35 19.15 19.08 17.30 12.40 12.40 16.06 15.48 10.65 21.44 21.26 21.47 21.96 23.65 24.99 25.63 25.41 23.71 22.80 22.59 22.19 18.13 17.79 17.20 16.71 16.35 13.96 13.48 13.75 19.64 23.31 25.01 25.51 24.59 23.81 22.95 22.79 22.01 21.89 21.74 21.46 12.13 4.13 3.45 2.72 4.04 11.53 11.26 10.57 10.26 9.78 9.05 2.22 2.41 2.23

ROCE %

67.93 63.92 61.49 58.74 59.43 56.04 54.93 55.49 54.29 54.75 54.11 51.08 37.29 37.29 47.19 44.05 30.85 61.06 58.27 58.57 59.76 62.03 65.15 66.33 65.85 61.45 58.83 58.34 57.40 56.59 57.36 56.42 56.23 44.94 37.01 36.47 34.82 41.57 47.85 46.46 46.34 46.03 45.82 45.96 45.64 43.65 43.08 42.65 41.48 23.29 7.05 5.84 5.24 8.16 22.76 22.43 21.11 20.64 20.66 18.08 4.68 5.18 3.61

Current Ratio

1.6 1.7 1.6 1.7 1.7 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.7 - 1.8 1.8 1.8 1.8 1.8 1.9 1.8 1.8 1.8 1.9 1.9 1.9 1.9 1.9 2.0 2.0 2.0 2.0 1.9 1.9 1.9 2.0 2.1 2.1 2.1 2.2 4.1 4.1 4.1 3.5 3.5 3.5 3.5 3.9 4.0 4.0 4.0 4.3 3.2 3.2 3.2 4.2 4.2 4.2 4.2 4.1 4.0 3.9 3.3

DSO

27.0 25.7 25.3 25.2 24.5 24.6 24.8 25.3 24.7 24.2 24.3 23.8 - - 27.3 26.7 - 28.4 29.6 27.0 8.8 30.5 26.3 24.1 8.4 24.1 24.5 21.6 7.3 21.0 22.4 22.6 7.7 22.6 21.1 22.1 8.8 26.2 20.1 22.6 7.5 22.0 22.4 23.2 7.9 23.8 22.4 23.1 7.9 23.1 22.6 24.4 8.6 25.7 21.7 21.3 21.4 22.0 19.0 22.6 24.2 22.2 -

DPO

24.5 23.1 23.0 22.7 18.5 19.4 19.5 19.4 17.3 16.2 17.6 20.4 - - 16.1 21.0 - 18.2 16.3 14.2 5.5 16.9 14.3 13.4 5.5 16.3 13.0 17.4 7.1 19.6 16.4 19.3 8.3 23.4 20.0 25.6 12.1 36.4 25.6 22.4 7.4 20.5 24.0 25.3 9.7 29.0 22.2 27.7 11.7 34.1 28.9 26.7 11.1 31.9 24.0 30.0 14.4 42.5 30.9 27.5 24.3 14.5 -

Operating Cycle

- - - - - - - - - - - 23.8 - - 27.3 26.7 - 28.4 29.6 27.0 8.8 30.5 26.3 24.1 8.4 24.1 24.5 21.6 7.3 21.0 22.4 22.6 7.7 22.6 21.1 22.1 8.8 26.2 20.1 22.6 7.5 22.0 22.4 23.2 7.9 23.8 22.4 23.1 7.9 23.1 22.6 24.4 8.6 25.7 21.7 21.3 21.4 22.0 - - - - -

Cash Conversion Cycle

- - - - - - - - - - - 3.4 - - 11.2 5.7 - 10.2 13.3 12.8 3.3 13.7 12.0 10.7 2.8 7.8 11.5 4.3 0.2 1.4 5.9 3.4 -0.6 -0.8 1.2 -3.5 -3.3 -10.2 -5.6 0.2 0.1 1.5 -1.6 -2.0 -1.8 -5.2 0.2 -4.5 -3.8 -10.9 -6.3 -2.3 -2.5 -6.2 -2.4 -8.7 7.0 -20.5 - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company Visa , allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Payment services industry

Issuer Price % 24h Market Cap Country
CURO Group Holdings Corp. CURO Group Holdings Corp.
CURO
- -6.4 % $ 7.82 M usaUSA
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DFS
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MGI
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Ally Financial Ally Financial
ALLY
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Navient Corporation Navient Corporation
NAVI
$ 10.0 2.25 % $ 990 M usaUSA
Atlanticus Holdings Corporation Atlanticus Holdings Corporation
ATLC
$ 93.05 0.22 % $ 1.41 B usaUSA
American Express Company American Express Company
AXP
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Credit Acceptance Corporation Credit Acceptance Corporation
CACC
$ 600.11 0.19 % $ 6.87 B usaUSA
Capital One Financial Corporation Capital One Financial Corporation
COF
$ 206.85 0.08 % $ 112 B usaUSA
Consumer Portfolio Services Consumer Portfolio Services
CPSS
$ 9.46 0.05 % $ 207 M usaUSA
Enova International Enova International
ENVA
$ 173.61 1.45 % $ 4.37 B usaUSA
EZCORP EZCORP
EZPW
$ 30.34 0.15 % $ 1.74 B usaUSA
FirstCash FirstCash
FCFS
$ 215.54 0.44 % $ 9.55 B usaUSA
Green Dot Corporation Green Dot Corporation
GDOT
$ 13.19 0.45 % $ 727 M usaUSA
Goldman Sachs BDC, Inc. Goldman Sachs BDC, Inc.
GSBD
$ 9.64 0.1 % $ 389 M usaUSA
Federal Agricultural Mortgage Corporation Federal Agricultural Mortgage Corporation
AGM
$ 224.48 0.39 % $ 2.45 B usaUSA
LexinFintech Holdings Ltd. LexinFintech Holdings Ltd.
LX
$ 0.79 1.47 % $ 268 M chinaChina
Mastercard Inc. Mastercard Inc.
MA
$ 573.27 0.9 % $ 519 B usaUSA
Medallion Financial Corp. Medallion Financial Corp.
MFIN
$ 12.14 0.58 % $ 276 M usaUSA
OneMain Holdings OneMain Holdings
OMF
$ 61.53 0.72 % $ 7.3 B usaUSA
PayPal Holdings PayPal Holdings
PYPL
$ 53.81 0.58 % $ 51.6 B usaUSA
Regional Management Corp. Regional Management Corp.
RM
$ 32.27 0.64 % $ 304 M usaUSA
SLM Corporation SLM Corporation
SLM
$ 26.15 1.38 % $ 5.42 B usaUSA
Security National Financial Corporation Security National Financial Corporation
SNFCA
$ 8.81 1.03 % $ 218 M usaUSA
Nelnet Nelnet
NNI
$ 127.45 0.21 % $ 4.63 B usaUSA
Synchrony Financial Synchrony Financial
SYF
$ 76.06 0.24 % $ 28.1 B usaUSA
Oaktree Specialty Lending Corporation Oaktree Specialty Lending Corporation
OCSL
$ 12.38 0.44 % $ 1.75 B usaUSA
Upstart Holdings Upstart Holdings
UPST
$ 25.28 1.99 % $ 2.43 B usaUSA
PRA Group PRA Group
PRAA
$ 19.29 0.05 % $ 756 M usaUSA
World Acceptance Corporation World Acceptance Corporation
WRLD
$ 184.63 0.56 % $ 912 M usaUSA
The Western Union Company The Western Union Company
WU
$ 6.85 1.44 % $ 2.24 B usaUSA
Qiwi plc Qiwi plc
QIWI
- - - cyprusCyprus
Yiren Digital Ltd. Yiren Digital Ltd.
YRD
$ 1.01 1.01 % $ 175 M chinaChina
Owl Rock Capital Corporation Owl Rock Capital Corporation
ORCC
- -0.15 % $ 5.25 B usaUSA
Elevate Credit Elevate Credit
ELVT
- - $ 58.8 M usaUSA
Pintec Technology Holdings Limited Pintec Technology Holdings Limited
PT
- - $ 671 M chinaChina
Jianpu Technology Jianpu Technology
JT
- 7.78 % $ 331 M -
Alliance Data Systems Corporation Alliance Data Systems Corporation
ADS
- -1.74 % $ 2.84 B usaUSA
Xiaobai Maimai Inc. Xiaobai Maimai Inc.
HX
- -10.24 % $ 37.1 M chinaChina
Marlin Business Services Corp. Marlin Business Services Corp.
MRLN
- -0.17 % $ 276 M usaUSA
Santander Consumer USA Holdings Inc. Santander Consumer USA Holdings Inc.
SC
- 1.44 % $ 13 B usaUSA
Dunxin Financial Holdings Limited Dunxin Financial Holdings Limited
DXF
$ 0.45 2.11 % $ 5.74 B chinaChina
ORIX Corporation ORIX Corporation
IX
$ 39.69 2.66 % $ 44.3 B japanJapan
Qudian Qudian
QD
- - $ 634 M chinaChina
Barings BDC, Inc. Barings BDC, Inc.
BBDC
$ 8.73 0.11 % $ 419 M usaUSA
360 DigiTech 360 DigiTech
QFIN
$ 8.05 0.12 % $ 2.15 B chinaChina
FlexShopper FlexShopper
FPAY
- 2.7 % $ 4.12 M usaUSA
FinVolution Group FinVolution Group
FINV
$ 3.27 0.15 % $ 4.12 B usaUSA
Lufax Holding Ltd Lufax Holding Ltd
LU
$ 1.21 7.44 % $ 1.69 B chinaChina