What is the 13F Pro Quality Score for V?

13F Pro ranks VISA INC. (V) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View V's current score at https://13fpro.ai/company/V (free sign-up required for the full ranking).

Which hedge funds own the most V stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of V include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/V as soon as new 13F filings post.

Where does 13F Pro source V data?

All VISA INC. fundamentals and ownership data come directly from SEC EDGAR. VISA INC. files with the SEC under CIK 1403161. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

VISA INC. (V) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives V's revenue?

Per VISA INC.'s latest 10-Q filed with the SEC on 2026-07-29, the biggest revenue drivers are: Data processing revenue ($6,042M, +17% YoY); Service revenue ($4,922M, +14% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/V.

What are V's largest expenses?

VISA INC.'s latest 10-Q reports these as the largest expense items: Personnel ($2,458M, +40% YoY); Marketing ($649M, +54% YoY); General and administrative ($503M, +4% YoY). Sourced directly from SEC EDGAR filing text for Q3 FY2026 (quarter ended June 30, 2026).

How often is V research updated on 13F Pro?

V's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

VISA INC.(V)Stock Analysis

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13F Pro Quality Score

82.9/100

Rank #14 of 2,961 stocksTOP 1%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

67.8/100

Profitability

97.7/100

Balance Sheet

97.3/100

Earnings Quality

35.2/100

Free Cash Flow

94.8/100

Institutional Flow

94.9/100

Revenue Scale

96.4/100

Dilution Risk

38.2/100

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Why V Scores 83/100

exact factor attribution · 2026-09-11

V's composite is driven by profitability and scale, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.5 pts

98th pct

Scale

+9.3 pts

96th pct

Free cash flow

+6.7 pts

95th pct

Capital efficiency

+6.3 pts

97th pct

Revenue growth

+4.8 pts

68th pct

Institutional flow

+3.0 pts

95th pct

Earnings growth

+0.8 pts

62th pct

Shareholder dilution

-0.8 pts

38th pct

Earnings quality

-1.5 pts

35th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

V Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for VISA INC. (V), 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. VISA INC.'s 13F Pro composite quality score has ranged between 72 and 87 since 2021, currently 82.9 — a stable long-term trajectory across 67 quarterly and live scoring snapshots.

✦

Fun facts about Visa Inc

Quirks, history, and lore behind V — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial company · mega-cap · listed on the NYSE · headquartered in California.
2
The Numbers
It moves over $15 trillion a year — yet earns "only" about $36B in revenue, at operating margins near 65%, among the fattest in the S&P 500.
3
The History
Born inside Bank of America in 1958, when the bank mass-mailed unsolicited credit cards to an entire California city.
4
The Secret
Despite what's in your wallet, it never lends a dollar and takes zero credit risk — it's a toll road, not a bank. The banks take the risk; it takes the fee.
5
The Lore
It runs one of the most valuable networks humans have built: a transaction clears through it roughly 8,000 times every second.
6
The Giveaway
One letter. It's everywhere you want to be.

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What's Driving V's Business? Latest 10-Q Breakdown

✓ 37/37 datapoints verified

AI-extracted from VISA INC.'s 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$11.2B

Net Income

Q1 2026

$6.0B

Free Cash Flow

Q1 2026

$2.6B

Operating Margin

Q1 2026

64.4%

ROIC

Q1 2026

48.5%

D/E Ratio

Q1 2026

0.67

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+11.3% YoY

$40.00BFY 2025

FY22 $29.31BFY23 $32.65BFY24 $35.93BFY25 $40.00B

Net Income

+1.6% YoY

$20.06BFY 2025

FY22 $14.96BFY23 $17.27BFY24 $19.74BFY25 $20.06B

Operating Income

+1.7% YoY

$23.99BFY 2025

FY22 $18.81BFY23 $21.00BFY24 $23.59BFY25 $23.99B

Total Assets

+5.4% YoY

$99.63BFY 2025

FY22 $85.50BFY23 $90.50BFY24 $94.51BFY25 $99.63B

Total Debt

+20.8% YoY

$25.17BFY 2025

FY22 $22.45BFY23 $20.46BFY24 $20.84BFY25 $25.17B

Op. Cash Flow

+15.6% YoY

$23.06BFY 2025

FY22 $18.85BFY23 $20.75BFY24 $19.95BFY25 $23.06B

Free Cash Flow

+15.4% YoY

$21.58BFY 2025

FY22 $17.88BFY23 $19.70BFY24 $18.69BFY25 $21.58B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$40.00B +11.3%	$35.93B +10.0%	$32.65B +11.4%	$29.31B +21.6%	$24.11B +10.3%	$21.85B
Net Income	$20.06B +1.6%	$19.74B +14.3%	$17.27B +15.5%	$14.96B +21.5%	$12.31B +13.3%	$10.87B
Operating Income	$23.99B +1.7%	$23.59B +12.4%	$21.00B +11.6%	$18.81B +19.0%	$15.80B +12.2%	$14.08B
Total Assets	$99.63B +5.4%	$94.51B +4.4%	$90.50B +5.8%	$85.50B +3.1%	$82.90B +2.4%	$80.92B
Total Debt	$25.17B +20.8%	$20.84B +1.8%	$20.46B -8.9%	$22.45B +7.0%	$20.98B -22.5%	$27.07B
Operating Cash Flow	$23.06B +15.6%	$19.95B -3.9%	$20.75B +10.1%	$18.85B +23.8%	$15.23B +45.9%	$10.44B
Free Cash Flow	$21.58B +15.4%	$18.69B -5.1%	$19.70B +10.2%	$17.88B +23.1%	$14.52B +49.6%	$9.70B

AI Insight: V Financial Trends

Visa delivered 26% revenue growth since Q2 2024 with operating income up 22%, but Q1 2026 operating cash flow collapsed 56% quarter-over-quarter despite strong earnings.

• Revenue grew 26% from Q2 2024 ($8.9B) to Q1 2026 ($11.2B); operating income up 22% to $7.2B.

• Net income reached $6.0B in Q1 2026, highest in the dataset, up 23% from Q2 2024.

• Operating cash flow crashed to $3.0B in Q1 2026 from $6.8B in Q4 2025—sharpest sequential decline in period.

⚠ Q1 2026 operating cash flow ($3.0B) significantly lags operating income ($7.2B)—largest working capital headwind in dataset.

⚠ Total debt spiked to $25.1B in Q2–Q3 2025 before declining; equity contracted 10% from Q2 2024 to Q1 2026.

AI Insight: V Ratio Trends

Visa's profitability metrics accelerated sharply in Q1 2026, with operating margin rebounding to 64.4% and ROIC climbing to 48.5%, the highest in the dataset.

• Operating margin fell from 66.7% (Q2 2024) to trough of 56.6% (Q1 2025), then recovered to 64.4% in Q1 2026.

• ROE surged to 67.5% in Q1 2026, up from 48.1% in Q1 2025—a 19.4pp year-over-year gain.

• ROIC expanded 11.5pp from 37.0% (Q1 2025) to 48.5% (Q1 2026), indicating stronger capital efficiency.

⚠ D/E ratio elevated at 0.67 in Q1 2026, matching the peak from Q2 2024; monitor leverage trajectory.

⚠ NPM volatility persists: 51.7% TTM vs. 53.6% in Q1 2026; underlying earnings stability unclear.

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Available Research

13F Pro tracks comprehensive data for VISA INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of V

BlackRock, Inc.
$47.2B137,669,061 sh
VANGUARD CAPITAL MANAGEMENT LLC
$36.4B106,150,500 sh
STATE STREET CORP
$28.4B82,872,209 sh
MORGAN STANLEY
$15.8B45,960,354 sh
GEODE CAPITAL MANAGEMENT, LLC
$15.5B45,285,275 sh
FMR LLC
$14.7B42,929,995 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$12.6B36,844,619 sh
PRICE T ROWE ASSOCIATES INC /MD/
$12.2B35,472,043 sh
TCI Fund Management Ltd
$10.5B30,494,133 sh
Capital World Investors
$9.7B28,269,307 sh

Fund	Value	Shares
BlackRock, Inc.	$47.2B	137,669,061
VANGUARD CAPITAL MANAGEMENT LLC	$36.4B	106,150,500
STATE STREET CORP	$28.4B	82,872,209
MORGAN STANLEY	$15.8B	45,960,354
GEODE CAPITAL MANAGEMENT, LLC	$15.5B	45,285,275
FMR LLC	$14.7B	42,929,995
VANGUARD PORTFOLIO MANAGEMENT LLC	$12.6B	36,844,619
PRICE T ROWE ASSOCIATES INC /MD/	$12.2B	35,472,043
TCI Fund Management Ltd	$10.5B	30,494,133
Capital World Investors	$9.7B	28,269,307

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Is V a good stock to buy?

13F Pro's AI-powered analysis of VISA INC. (V) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for V are available on the V stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. V is classified as a mega company.

Which hedge funds own V?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling V. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of VISA INC.'s investment landscape.