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/research/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/research/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 2026-04-29, the biggest revenue drivers are: Data processing revenue ($11.1B, +17% YoY); Service revenue ($9.7B, +13% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/V.

What are V's largest expenses?

VISA INC.'s latest 10-Q reports these as the largest expense items: Personnel ($3.6B, +4% YoY); Marketing ($955M, +39% YoY); Litigation provision ($1.0B, -1% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (six months ended March 31, 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

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSE

Institutional-grade research for retail investors

SEC EDGAR: CIK 1403161 V stock profile & AI dashboard →

13F Pro Quality Score

83.5/100

Rank #17 of 2,879 stocksTOP 1%

View Financials peers →

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

Revenue Growth

67.8/100

Profitability

94.8/100

Balance Sheet

97.4/100

Earnings Quality

53.6/100

Free Cash Flow

92.0/100

Institutional Flow

69.5/100

Revenue Scale

96.7/100

Dilution Risk

39.3/100

V Stock Analysis & AI Quality Score

AI stock analysis and institutional research for VISA INC. (V), a Financials sector company. 13F Pro's AI-powered ranking engine scores V at 83.5/100 on a 32-signal composite quality model, placing it at rank #17 of 2,879 stocks — the top 1% of the AI-ranked universe. V scores in the top quartile across balance sheet strength (97.4), revenue scale (96.7), profitability (94.8). Shareholder dilution risk is elevated at 39.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 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 8 and 87 since 2021, currently 83.5 — a stable long-term trajectory across 56 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.

▶ Think you know your stocks? Play the Daily Ticker

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

AI-extracted from VISA INC.'s 10-Q filed 2026-04-29 — Q2 FY2026 (six months ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Visa's net revenue grew 16% YoY to $22.1B on strong nominal payments volume growth of 10% and processed transaction growth of 9%, while net income rose 22% to $11.9B despite $894M in additional litigation accruals.

Biggest Revenue Drivers

Total revenue: $22.1B+16% YoY

Data processing revenue$11.1B+17% YoY

Growth in processed transactions of 9%, select pricing modifications, growth in value-added services and higher cross-border transaction mix

Service revenue$9.7B+13% YoY

Growth in nominal payments volume of 10%, select pricing modifications and growth in card benefits

Largest Expense Items

Personnel$3.6B+4% YoY

Higher number of employees and compensation focused on areas driving long-term growth, including acquisitions

Marketing$955M+39% YoY

Higher spending for client marketing and campaigns driven by Olympic and Paralympic Winter Games Milano Cortina 2026 and FIFA World Cup 2026

Litigation provision$1.0B-1% YoY

Lower accruals related to U.S. covered litigation, partially offset by higher accruals for uncovered legal matters

Professional fees$446M+41% YoY

Higher expenses for client engagements, costs for Prisma and Newpay acquisition, and higher legal fees

Margins: Operating margin expanded on 16% revenue growth with operating expenses up 10%, reflecting operating leverage. Non-GAAP operating margin benefited from excluding $1.0B in litigation provisions and $0.1B in amortization of acquired intangibles.

Watch Items from the Filing

$894M additional litigation accruals for interchange multidistrict litigation in H1 2026; escrow account balance $665M as of March 31, 2026; total probable and estimable loss uncertain.
Client incentives grew 13% YoY to $8.5B, representing 28% of gross revenue; future incentive levels depend on contract modifications and client performance expectations.
Foreign exchange headwinds: FX movements contributed roughly +1pp to revenue growth but negative ~2pp to operating expense growth; cross-border revenue concentration risk.
$1.5B acquisition of Prisma and Newpay in Argentina completed February 2026; subject to Argentine competition authority review with synergy realization timing uncertain.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

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

Revenue

Q2 2026

$11.2B

Net Income

Q2 2026

$6.0B

Free Cash Flow

Q2 2026

$2.6B

Operating Margin

Q2 2026

64.4%

D/E Ratio

Q2 2026

0.67

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+22.5% YoY

$40.00BFY 2025

FY20 $21.85BFY22 $29.31BFY23 $32.65BFY25 $40.00B

Net Income

+16.1% YoY

$20.06BFY 2025

FY20 $10.87BFY22 $14.96BFY23 $17.27BFY25 $20.06B

Operating Income

+14.3% YoY

$23.99BFY 2025

FY20 $14.08BFY22 $18.81BFY23 $21.00BFY25 $23.99B

Total Assets

+10.1% YoY

$99.63BFY 2025

FY20 $80.92BFY22 $85.50BFY23 $90.50BFY25 $99.63B

Total Debt

+23.0% YoY

$25.17BFY 2025

FY20 $27.07BFY22 $22.45BFY23 $20.46BFY25 $25.17B

Op. Cash Flow

+11.1% YoY

$23.06BFY 2025

FY20 $10.44BFY22 $18.85BFY23 $20.75BFY25 $23.06B

Metric	FY 2025	FY 2023	FY 2022	FY 2020	FY 2019	FY 2018
Revenue	$40.00B +22.5%	$32.65B +11.4%	$29.31B +34.2%	$21.85B -4.9%	$22.98B +11.5%	$20.61B
Net Income	$20.06B +16.1%	$17.27B +15.5%	$14.96B +37.6%	$10.87B -10.0%	$12.08B +17.3%	$10.30B
Operating Income	$23.99B +14.3%	$21.00B +11.6%	$18.81B +33.6%	$14.08B -6.1%	$15.00B +15.8%	$12.95B
Total Assets	$99.63B +10.1%	$90.50B +5.8%	$85.50B +5.7%	$80.92B +11.5%	$72.57B +4.8%	$69.22B
Total Debt	$25.17B +23.0%	$20.46B -8.9%	$22.45B -17.1%	$27.07B +61.8%	$16.73B +0.6%	$16.63B
Operating Cash Flow	$23.06B +11.1%	$20.75B +10.1%	$18.85B +80.5%	$10.44B -18.3%	$12.78B -1.2%	$12.94B

AI Insight: V Financial Trends

Revenue growth accelerating to 24% YoY while operating margin expands, but Q1 2026 operating cash flow collapsed 55% sequentially.

• Revenue grew 24% from Q1 2025 ($9,594M) to Q1 2026 ($11,230M); operating income up 33% over same period to $7,234M.

• Operating margin expanded to 64.4% in Q1 2026 versus 56.7% in Q1 2025, highest in dataset.

• Operating cash flow plunged to $3,008M in Q1 2026 from $6,780M in Q4 2025; lowest in 24 months.

⚠ Q1 2026 operating cash flow declined 55% sequentially despite 13% revenue growth—timing or working capital shift requires monitoring.

⚠ Total debt rose to $23,976M in Q1 2026 from $21,177M in Q4 2025; equity declined to $35,661M, lowest since Q2 2024.

AI Insight: V Ratio Trends

Visa's profitability and capital returns surged in Q1 2026, with ROE hitting 67.5% and ROIC climbing to 48.5%, reversing weakness from early 2025.

• Operating margin recovered to 64.4% in Q1 2026 from 56.6% low in Q1 2025, a 780 bps improvement in one year.

• ROE expanded to 67.5% in Q1 2026 vs 48.1% in Q1 2025; ROA climbed to 25.3% from 19.7%, signaling stronger capital efficiency.

• ROIC reached 48.5% in Q1 2026, highest in dataset, up 1,150 bps from Q1 2025's 37.0% trough.

⚠ Leverage increased to 0.67 D/E in Q1 2026 from 0.55 in Q4 2025, reversing deleveraging trend; monitor capital allocation.

⚠ Operating margin volatility persists (61–67% range in prior 6 quarters); Q1 2026 surge may reflect seasonal or one-off items.

Get alerted when V's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

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.
$41.2B136,190,947 sh
VANGUARD CAPITAL MANAGEMENT LLC
$32.3B107,005,168 sh
STATE STREET CORP
$24.9B82,306,015 sh
MORGAN STANLEY
$13.9B45,979,950 sh
FMR LLC
$13.6B44,908,229 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.5B44,883,639 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$11.4B37,604,815 sh
TCI Fund Management Ltd
$9.2B30,468,133 sh
Capital World Investors
$7.6B25,178,201 sh
Capital International Investors
$7.2B23,709,563 sh

Fund	Value	Shares
BlackRock, Inc.	$41.2B	136,190,947
VANGUARD CAPITAL MANAGEMENT LLC	$32.3B	107,005,168
STATE STREET CORP	$24.9B	82,306,015
MORGAN STANLEY	$13.9B	45,979,950
FMR LLC	$13.6B	44,908,229
GEODE CAPITAL MANAGEMENT, LLC	$13.5B	44,883,639
VANGUARD PORTFOLIO MANAGEMENT LLC	$11.4B	37,604,815
TCI Fund Management Ltd	$9.2B	30,468,133
Capital World Investors	$7.6B	25,178,201
Capital International Investors	$7.2B	23,709,563

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put V on your watchlist

Track score changes the day VISA INC. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

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.

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.