VISA INC.(V)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
VISA INC. (V) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores V at 82.9/100 on a 32-signal composite quality model, placing it at rank #14 of 2,961 stocks — the top 1% of the AI-ranked universe. V scores in the top quartile across profitability (97.7), balance sheet strength (97.3), revenue scale (96.4). Areas of concern include earnings quality (35.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 38.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), VISA INC. reports quarterly revenue of $11.2B, net income of $6.0B, an operating margin of 64.4%. Top institutional holders of V by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. V trades on the NYSE exchange and files with the SEC under CIK 1403161. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate V daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for VISA INC. directly from SEC EDGAR.
AI Quality Score
82.9/100
AI Rank
#14
Revenue
$11.2B
Net Income
$6.0B
Free Cash Flow
$2.6B
Operating Margin
64.4%
V key financials by period
VISA INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$40.0B
$20.1B
60.0%
FY 2024
10-K
$35.9B
$19.7B
65.7%
FY 2023
10-K
$32.7B
$17.3B
64.3%
FY 2022
10-K
$29.3B
$15.0B
64.2%
FY 2021
10-K
$24.1B
$12.3B
65.6%
FY 2020
10-K
$21.8B
$10.9B
64.5%
Institutions holding V
Institutional investors reporting a position in VISA INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-29 — Q3 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net revenue rose 14% to $11.6B on 10% processed-transaction growth, but net income grew only 7% as $563M of severance drove operating expenses up 19%.
Biggest Revenue Drivers
Data processing revenue$6,042M+17% YoY
Growth in processed transactions of 10%, select pricing modifications, growth in value-added services and higher cross-border transaction mix
Service revenue$4,922M+14% YoY
Growth in nominal payments volume of 11%, select pricing modifications and growth in card benefits
Biggest Revenue Drivers
Total revenue: $11,633M+14% YoY
Data processing revenue$6,042M+17% YoY
Growth in processed transactions of 10%, select pricing modifications, growth in value-added services and higher cross-border transaction mix
Service revenue$4,922M+14% YoY
Growth in nominal payments volume of 11%, select pricing modifications and growth in card benefits
Largest Expense Items
Personnel$2,458M+40% YoY
Higher severance costs from actions to drive operational efficiencies, plus more employees and compensation costs, including from acquisitions
Marketing$649M+54% YoY
Higher client marketing and campaign spending, driven in part by the FIFA World Cup 2026
General and administrative$503M+4% YoY
Total operating expenses rose 19%, with exchange rate movements adding about one percentage point
Litigation provision$253M-59% YoY
Decreased primarily due to lower accruals related to the U.S. covered litigation
Margins: The filing gives no explicit margin discussion: net revenue rose 14% while operating expenses rose 19%, so operating income grew 11% to $6,877M; non-GAAP operating expenses rose 17%.
Watch Items from the Filing
Severance costs of $563M were recorded in personnel expense and excluded from non-GAAP results; personnel expense rose 40% year over year.
Client incentives of $4,680M grew 18%, outpacing 14% net revenue growth; future amounts vary with client performance and new contracts.
Interchange MDL: $1.1B of additional accruals and $875M escrow deposits in nine months; escrow balance $888M; over 100 UK merchants have outstanding claims.
Brazil regulation will require extending settlement guarantees to sellers; Visa expects settlement exposure to increase (nine-month maximum daily exposure $168.6B).
Value-added services revenue reached $3.8 billion, up 33% year over year, on Issuing Solutions, Acceptance Solutions and Advisory growth.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
