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added 01-27-2023
Visa Long-Term Debt 2011-2025 | V
Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.
Main characteristics:- Term exceeds 12 months
- Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
- Repaid through regular payments (interest and/or principal) over several years
- Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital. - Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks. - Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.
A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.
If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.
It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.
Examples of long-term debt:- Mortgage loans for property purchases
- Corporate bonds issued by a company to raise capital
- Project financing — long-term loans for building or expanding production facilities
- Leasing obligations for equipment or transport
Annual Long-Term Debt Visa
| 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 20.2 B | 20 B | 21.1 B | 16.7 B | 16.6 B | 16.6 B | 15.9 B | - | - | - | - | - |
All numbers in USD currency
Indicator range from annual reports
| Maximum | Minimum | Average |
|---|---|---|
| 21.1 B | 15.9 B | 18.2 B |
Quarterly Long-Term Debt Visa
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 20.5 B | 20.2 B | - | 17.5 B | 17.7 B | 20 B | 21 B | 20 B | 21.1 B | 21.1 B | 21.1 B | 21.1 B | 13.7 B | 16.7 B | 16.7 B | 16.7 B | 16.6 B | 16.6 B | 16.6 B | 16.6 B | 16.6 B | 16.6 B | 16.6 B | 16.6 B | 14.1 B | 15.9 B | 15.9 B | 15.9 B | 15.9 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 22 M | 25 M |
All numbers in USD currency
Indicator range from quarterly reporting
| Maximum | Minimum | Average |
|---|---|---|
| 21.1 B | 22 M | 16.5 B |
Long-Term Debt of other stocks in the Payment services industry
| Issuer | Long-Term Debt | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Qiwi plc
QIWI
|
4.92 B | - | - | - |  Cyprus |
 |
Barings BDC, Inc.
BBDC
|
570 M | $ 8.94 | -1.0 % | $ 429 M |  USA |
 |
Goldman Sachs BDC, Inc.
GSBD
|
770 M | $ 9.81 | -1.31 % | $ 396 M | USA |
 |
Credit Acceptance Corporation
CACC
|
4.54 B | $ 463.83 | -1.78 % | $ 5.72 B | USA |
 |
Consumer Portfolio Services
CPSS
|
2.15 B | $ 9.34 | 1.52 % | $ 195 M | USA |
 |
Alliance Data Systems Corporation
ADS
|
6.56 B | - | -1.74 % | $ 2.84 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
20 M | - | -10.24 % | $ 37.1 M |  China |
 |
Dragon Victory International Limited
LYL
|
66.9 K | - | -2.89 % | $ 13.5 M | China |
 |
Marlin Business Services Corp.
MRLN
|
30.7 M | - | -0.17 % | $ 276 M | USA |
 |
Capital One Financial Corporation
COF
|
45 B | $ 239.86 | 0.83 % | $ 91.8 B | USA |
 |
Santander Consumer USA Holdings Inc.
SC
|
41.1 B | - | 1.44 % | $ 13 B | USA |
 |
EZCORP
EZPW
|
518 M | $ 20.65 | -1.6 % | $ 1.19 B | USA |
 |
Enova International
ENVA
|
3.56 B | $ 161.82 | -0.55 % | $ 4.36 B | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
777 M | $ 65.13 | -1.26 % | $ 945 M | USA |
 |
ORIX Corporation
IX
|
4.42 T | $ 29.26 | 1.47 % | $ 36.2 B |  Japan |
 |
American Express Company
AXP
|
49.7 B | $ 382.39 | -0.04 % | $ 272 B | USA |
 |
SLM Corporation
SLM
|
6.44 B | $ 26.57 | -1.21 % | $ 5.74 B | USA |
 |
Security National Financial Corporation
SNFCA
|
216 M | $ 9.27 | 2.89 % | $ 216 M | USA |
 |
FirstCash
FCFS
|
1.73 B | $ 163.76 | -0.09 % | $ 7.36 B | USA |
 |
LexinFintech Holdings Ltd.
LX
|
2.75 B | $ 3.16 | -3.07 % | $ 1.05 B | China |
 |
Federal Agricultural Mortgage Corporation
AGM
|
17.1 B | $ 177.95 | -1.49 % | $ 1.94 B | USA |
 |
Ally Financial
ALLY
|
12.7 B | $ 44.81 | -0.85 % | $ 13.8 B | USA |
 |
Green Dot Corporation
GDOT
|
2.69 M | $ 13.17 | -1.05 % | $ 688 M | USA |
 |
MoneyGram International
MGI
|
785 M | - | - | $ 1.07 B | USA |
 |
Nelnet
NNI
|
8.31 B | $ 134.03 | 0.78 % | $ 4.91 B | USA |
 |
CURO Group Holdings Corp.
CURO
|
1.95 B | - | -6.4 % | $ 7.82 M | USA |
 |
Mastercard Inc.
MA
|
17.5 B | $ 569.51 | -0.42 % | $ 527 B | USA |
 |
Discover Financial Services
DFS
|
16.3 B | - | -0.21 % | $ 50.2 B | USA |
 |
Medallion Financial Corp.
MFIN
|
236 M | $ 10.59 | 0.76 % | $ 238 M | USA |
 |
Lufax Holding Ltd
LU
|
27.9 B | $ 2.58 | -3.01 % | $ 1.55 T | China |
 |
LendingClub Corporation
LC
|
19.4 M | $ 19.17 | -3.67 % | $ 2.14 B | USA |
 |
OneMain Holdings
OMF
|
21.4 B | $ 67.45 | -1.99 % | $ 8.07 B | USA |
 |
Elevate Credit
ELVT
|
505 M | - | - | $ 58.8 M | USA |
 |
Navient Corporation
NAVI
|
43.2 B | $ 12.88 | 1.06 % | $ 1.4 B | USA |
 |
Yiren Digital Ltd.
YRD
|
192 M | $ 4.28 | -2.51 % | $ 723 M | China |
 |
Oaktree Specialty Lending Corporation
OCSL
|
466 M | $ 12.88 | -2.39 % | $ 1.82 B | USA |
 |
FlexShopper
FPAY
|
1.32 M | - | 2.7 % | $ 4.12 M | USA |
 |
Nicholas Financial
NICK
|
759 K | - | -0.16 % | $ 45.1 M | USA |
 |
Pintec Technology Holdings Limited
PT
|
400 M | $ 1.03 | -0.96 % | $ 571 M | China |
 |
Regional Management Corp.
RM
|
1.47 B | $ 39.32 | -1.9 % | $ 379 M | USA |
 |
Oportun Financial Corporation
OPRT
|
1.17 B | $ 5.46 | -1.97 % | $ 201 M | USA |
 |
Qudian
QD
|
924 M | $ 3.86 | -5.39 % | $ 637 M | China |
 |
Synchrony Financial
SYF
|
15.5 B | $ 83.45 | -0.91 % | $ 33.1 B | USA |