Visa Inc.
VFinancial Services · Financial - Credit Services · NYSE
$393.17
P/E 30.5×
Is Visa Inc. (V) Undervalued? Valuation & Fair Price
At $393.17, 3 of the 4 frameworks would pass on Visa Inc. today — Warren Buffett, Benjamin Graham, and Phil Town (Rule #1) rate it Avoid and Peter Lynch rates it Hold. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.
Valuo fair-value verdict
Visa Inc. looks 55% overvalued
V trades at $393.17 versus a blended fair value of $177.96 across 4 investor frameworks. That's a 55% premium over our estimate — the exact buy-below price from each framework is below.
The four investor lenses
See how each legend judges V
Pick a lens — the fair-value rail and its checklist update. The exact prices unlock with a free account.
Buffett: Wonderful businesses at a fair price — moat, high returns on capital, owner earnings.
Where Buffett marks fair value — the exact price is in the full analysis.
Buffett's checklist
Return on Equity
ROE Consistency
ROE Quality (Low Leverage)
Debt Levels
The full checklist, the exact fair value, and all four lenses side by side
Unlock free →The six questions · V
signal free · score locked
- Is it cheap enough?Weak
A great business at the wrong price is still a bad buy.
Price score — free accountP/E · PEG
- Is this a good business?Mixed
Returns on capital, margins, and the cash they throw off.
Quality score — free accountROIC · margins
- Can it survive a bad year?Mixed
Debt, liquidity, and balance-sheet resilience.
Safety score — free accountDebt · liquidity
- Are the numbers honest?Strong
Whether reported profit is backed by real cash.
Integrity score — free accountCash-backed profit
- Is it getting better?Strong
Revenue, earnings, and cash-flow trajectory.
Growth score — free accountRevenue · earnings
- Who runs it — and are they buying?Strong
Capital allocation, dilution, and insider conviction.
Stewardship score — free accountDilution · insiders
Strong on Integrity, Growth, Stewardship; weak on Price.
Inside · Price
Price is what you pay for the cash a business earns. Roughly under ~15× earnings is cheap; over ~30× the market is already pricing in strong growth, so you need that growth to show up.
The exact number, the reference bands, and each legend's take unlock free.
Insider & congress activity
Are insiders buying V?
Over recent SEC Form 4 filings, V insiders bought $0 and sold $97.0M of stock across 23 open-market trades. Insiders sell for many reasons, but they buy for one.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Taneja RajatPRESIDENT, TECHNOLOGY | Sell | 34,418 | $14.6M | Nov 2, 2026 |
| MCINERNEY RYANChief Executive Officer | Sell | 5,875 | $2.4M | Nov 2, 2026 |
| CARNEY LLOYDdirector | Sell | 605 | $251K | Oct 30, 2026 |
| MCINERNEY RYANChief Executive Officer | Sell | 5,875 | $2.1M | Oct 1, 2026 |
| ROTTENBERG JULIE BGENERAL COUNSEL | Sell | 1,867 | $688K | Sep 9, 2026 |
Members of Congress have also reported 50 trades in V. See the full insider & congress timeline.
Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.
See the interactive insider chart & every tradeBear · base · bull
Three ways V could play out
A fair-value target for each scenario, with the assumptions behind it.
Bear case
Bear case price target — free accountGrowth disappoints and the multiple compresses — the downside if things go wrong.
Base case
Base case price target — free accountThe most likely path given current fundamentals — the scenario to anchor on.
Bull case
Bull case price target — free accountExecution beats expectations and growth holds — the upside if things go right.
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $40.0B | $35.9B | $32.7B | $29.3B | $24.1B |
| Rev. Growth | +11.3% | +10.0% | +11.4% | +21.6% | — |
| Net Income | $20.1B | $19.7B | $17.3B | $15.0B | $12.3B |
| Net Margin | 50.1% | 55.0% | 52.9% | 51.0% | 51.1% |
| EPS (Diluted) | $10.22 | $9.74 | $8.29 | $7.01 | $5.63 |
About Visa Inc.
Visa Inc. functions globally as a leading technology company dedicated to payments. Its primary role is to enable the secure and efficient digital transfer of funds among a wide array of participants, including individual consumers, retail businesses, banking institutions, corporations, strategic partners, and governmental bodies. At the heart of its operations is VisaNet, a highly sophisticated transaction processing network that handles the critical functions of authorizing, clearing, and settling all payment transactions. In addition to this core infrastructure, the company also provides a variety of card products, innovative digital platforms, and an extensive range of supplementary value-added services. These offerings are distributed under several widely recognized brands, including Visa, Visa Electron, Interlink, VPAY, and PLUS. Demonstrating its commitment to enhancing user experience, Visa Inc. has established a key strategic partnership with Ooredoo in Qatar, focused on improving payment solutions for Visa cardholders and Ooredoo customers within the country. The company was established in 1958 and its corporate headquarters are situated in San Francisco, California.
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- Insider & congress activity
- 5-year financials
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Data as of Oct 7, 2026 · price updated Oct 14, 2026. Sourced from SEC filings & Financial Modeling Prep.
Educational Use Only · Not Financial Advice
Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.