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Visa Inc. Quality Score

V

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Quality59

Valuation is the primary weakness (avg 40/100). Growth is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
40/100
38.1x

Above 30x, priced for sustained outperformance

Cash Flow Multiple
40/100
39.5x

Above 30x, cash flow yield is thin

Revenue Growth
100/100
10.1%

Above 10% CAGR, strong compounder

Cash Flow Growth
50/100
4.3%

2–5% CAGR, growing but slowly

Business Quality & Capital Allocation

Share Dilution
100/100
-10.3%

Shrinking >2%, active buybacks

Margin Trend
0/100
-3.1pp

Contracted >2pp, margin pressure

Capital Structure
60/100
$11.57B

Net debt/FCF of 0.5x, manageable

2022
$15.7B
$23.0B
2023
$16.3B
$21.0B
2024
$12.0B
$21.7B
2025
$17.2B
$26.1B
TTM
$12.4B
$24.0B
CashDebt
Return on Capital
100/100
35.7%

Above 20%, exceptional capital efficiency

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Visa (V) quality: score, margins and returns

Visa (V) scores 59/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 61.1% operating margins and 35.7% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Visa (V) a high-quality business?+

Visa scores 59 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 61.1% operating margin and a 35.7% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Visa's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from V's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Visa scores well and where it falls behind.

What is Visa's return on invested capital (ROIC)?+

Visa earns about 35.7% on its invested capital, which is exceptional. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to V's margins and growth on this scorecard to judge durability.

How profitable is Visa?+

Visa runs an operating margin of about 61.1% and a net margin of about 51.7%. Revenue has grown at roughly 12.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 29 Apr 2026, covering the period ending 31 Mar 2026, as reported to the SEC. Data last refreshed 14 Oct 2026. How this is calculated.

Fiscal year ends Sep. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

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Held by ETFs

V is in 494 US ETFs. The largest of them, with V's weight in each:

Spot a number that looks wrong? Check it in V's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.