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Is Visa Inc. (V) Undervalued? Valuation & Fair Price

At $369.93, 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.

V

Visa Inc.

V

Financial Services · Financial - Credit Services · NYSE

$369.93

P/E 30.5×

CEO

Ryan McInerney

Sector

Financial Services

Industry

Financial - Credit Services

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.

Investor scorecard

How the four investors rate Visa Inc.

3 of 4 frameworks urge caution

Warren Buffett
78%Avoid
Benjamin Graham
29%Avoid
Peter Lynch
67%Hold
Phil Town (Rule #1)
55%Avoid

Investor model analysis

Details locked

At $369.93, 3 of 4 frameworks say Avoid

Business Quality58/100

Intrinsic Value (DCF)

Warren Buffett's valuation model · select an investor above to switch

Intrinsic Value

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Buy Below

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Strong Buy

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Margin of Safety

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Insider & congress activity

Are insiders buying V?

Over recent SEC Form 4 filings, V insiders bought $0 and sold $73.9M of stock across 17 open-market trades. Insiders sell for many reasons, but they buy for one.

Bought $0Sold $73.9M
Recent open-market insider trades for V
InsiderActionSharesValueDate
ROTTENBERG JULIE BGENERAL COUNSELSell1,867$688KSep 9, 2026
MCINERNEY RYANChief Executive OfficerSell5,875$2.2MSep 1, 2026
ROTTENBERG JULIE BGENERAL COUNSELSell2,028$773KAug 31, 2026
Taneja RajatPRESIDENT, TECHNOLOGYSell17,927$6.7MAug 21, 2026
MCINERNEY RYANChief Executive OfficerSell5,875$2.2MAug 21, 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 trade

Scenario analysis

Bear, base & bull

Three growth assumptions, three fair values — and where today's price lands

What's working

Key strengths

Identified by Buffett framework analysis

Return on Equity

ROE Quality (Low Leverage)

Debt Levels

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Company financials

5-Year Financials

Income statement highlights — annual, USD

Metric20252024202320222021
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 Margin50.1%55.0%52.9%51.0%51.1%
EPS (Diluted)$10.22$9.74$8.29$7.01$5.63
Free Cash FlowLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to view

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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.