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.
Visa Inc.
VFinancial Services · Financial - Credit Services · NYSE
$369.93
P/E 30.5×
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
Investor model analysis
Details lockedAt $369.93, 3 of 4 frameworks say Avoid
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
Intrinsic Value
Locked — upgrade to viewBuy Below
Locked — upgrade to viewStrong Buy
Locked — upgrade to viewMargin 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.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| ROTTENBERG JULIE BGENERAL COUNSEL | Sell | 1,867 | $688K | Sep 9, 2026 |
| MCINERNEY RYANChief Executive Officer | Sell | 5,875 | $2.2M | Sep 1, 2026 |
| ROTTENBERG JULIE BGENERAL COUNSEL | Sell | 2,028 | $773K | Aug 31, 2026 |
| Taneja RajatPRESIDENT, TECHNOLOGY | Sell | 17,927 | $6.7M | Aug 21, 2026 |
| MCINERNEY RYANChief Executive Officer | Sell | 5,875 | $2.2M | Aug 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 tradeScenario 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
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 |
| Free Cash Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — 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.