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Upturn AI SWOT - About
V 
Visa Inc. Class A (V)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/14/2025: V (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
41 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $390.64
1 Year Target Price $390.64
| 23 | Strong Buy |
| 10 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.26% | Avg. Invested days 71 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 666.33B USD | Price to earnings Ratio 33.56 | 1Y Target Price 390.64 |
Price to earnings Ratio 33.56 | 1Y Target Price 390.64 | ||
Volume (30-day avg) 41 | Beta 0.9 | 52 Weeks Range 278.82 - 374.85 | Updated Date 10/15/2025 |
52 Weeks Range 278.82 - 374.85 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 0.69% | Basic EPS (TTM) 10.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 52.16% | Operating Margin (TTM) 66.77% |
Management Effectiveness
Return on Assets (TTM) 17.05% | Return on Equity (TTM) 51.76% |
Valuation
Trailing PE 33.56 | Forward PE 26.95 | Enterprise Value 678297848886 | Price to Sales(TTM) 17.13 |
Enterprise Value 678297848886 | Price to Sales(TTM) 17.13 | ||
Enterprise Value to Revenue 17.44 | Enterprise Value to EBITDA 26.01 | Shares Outstanding 1698682527 | Shares Floating 1760228935 |
Shares Outstanding 1698682527 | Shares Floating 1760228935 | ||
Percent Insiders 0.59 | Percent Institutions 90.36 |
Upturn AI SWOT
Visa Inc. Class A
Company Overview
History and Background
Visa Inc. was founded in 1958 as BankAmericard by Bank of America. It evolved from a credit card program to a global payments technology company, going public in 2008.
Core Business Areas
- Payments Solutions: Facilitates electronic payments globally through credit, debit, and prepaid cards. It processes transactions between merchants and financial institutions.
- Value-Added Services: Offers risk management, fraud detection, data analytics, and loyalty programs to clients.
- Digital Solutions: Focuses on enhancing mobile payments, digital wallets, and other innovative payment technologies.
Leadership and Structure
Visa is led by CEO Ryan McInerney. The company has a board of directors and is structured into various departments focusing on technology, finance, marketing, and operations.
Top Products and Market Share
Key Offerings
- Credit Cards: Visa credit cards are widely accepted globally and offer various rewards and benefits. Visa's global market share of credit cards is estimated to be around 50%. Competitors include Mastercard, American Express, and Discover.
- Market Share (%): 50
- Debit Cards: Visa debit cards provide direct access to bank accounts for purchases. Visa's global market share of debit cards is estimated to be around 40%. Competitors include Mastercard, local debit networks, and digital payment platforms.
- Market Share (%): 40
- Market Share (%): 30
- Prepaid Cards: Visa prepaid cards offer a convenient way to manage spending and are used for various purposes, including payroll and gift cards. Competitors include Mastercard, American Express, and Discover.
- Digital Payments: Visa offers digital payment solutions such as Visa Checkout and supports mobile wallets like Apple Pay and Google Pay. Competitors include PayPal, Square, and other digital payment platforms.
Market Dynamics
Industry Overview
The payments industry is undergoing significant changes driven by digital transformation, increasing e-commerce, and rising consumer expectations for seamless and secure payment experiences. The industry is highly competitive with established players and emerging fintech companies.
Positioning
Visa is a dominant player in the global payments network, known for its extensive acceptance network, strong brand recognition, and robust technology infrastructure. Its competitive advantages include its scale, reliability, and security.
Total Addressable Market (TAM)
The global payments market is expected to reach trillions of dollars. Visa is well-positioned to capture a significant share of this TAM due to its global presence and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Global Brand Recognition
- Extensive Network Acceptance
- Strong Technology Infrastructure
- Robust Security Measures
- Large Transaction Volume
Weaknesses
- Dependence on Economic Conditions
- Exposure to Regulatory Changes
- Vulnerability to Cyber Threats
- Exposure to Litigation
- Fee pressures from merchants
Opportunities
- Expansion in Emerging Markets
- Growth in E-commerce
- Adoption of Digital Wallets
- Partnerships with Fintech Companies
- Increasing penetration of contactless payments
Threats
- Increased Competition from Fintechs
- Data Breaches and Fraud
- Regulatory Scrutiny
- Economic Downturns
- Emergence of alternative payment methods (e.g., cryptocurrencies)
Competitors and Market Share
Key Competitors
- Mastercard (MA)
- American Express (AXP)
- PayPal (PYPL)
Competitive Landscape
Visa's key advantage lies in its expansive network. While Mastercard is a close second, American Express operates a closed-loop system. Fintech firms like PayPal focus on digital transactions.
Major Acquisitions
Earthport
- Year: 2019
- Acquisition Price (USD millions): 320
- Strategic Rationale: Enhanced Visa's cross-border payment capabilities.
Growth Trajectory and Initiatives
Historical Growth: Visa has experienced steady growth in transaction volume and revenue over the past decade, driven by the expansion of electronic payments worldwide.
Future Projections: Analysts project continued growth for Visa, driven by increasing digital payments, expansion in emerging markets, and strategic partnerships.
Recent Initiatives: Visa has recently focused on expanding its digital payment solutions, investing in new technologies, and forming partnerships with fintech companies.
Summary
Visa is a strong company with a dominant position in the global payments industry. Its extensive network, strong brand, and innovative solutions contribute to its success. However, Visa needs to be aware of increased competition from fintech companies and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, financial news sources.
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Visa Inc. Class A
Exchange NYSE | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2008-03-19 | President, CEO & Director Mr. Ryan M. McInerney | ||
Sector Financial Services | Industry Credit Services | Full time employees - | Website https://www.visa.com |
Full time employees - | Website https://www.visa.com | ||
Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a solution that facilitates the delivery of funds to eligible cards, bank accounts, and digital wallets; Visa B2B Connect, a multilateral business-to-business cross-border payments network; Visa Cross-Border Solution, a cross-border consumer payments solution; and Visa DPS that provides a range of value-added services, including fraud mitigation, dispute management, data analytics, campaign management, a suite of digital solutions, and contact center services. The company also provides acceptance solutions, which include Cybersource and Authorize.net that provides new and enhanced payment integrations with ecommerce platforms, enabling sellers and acquirers to offer tailored commerce experiences; risk and identity solutions, such as Visa Advanced Authorization, Visa Secure, Visa Consumer Authentication Service, Visa Protect Authentication Intelligence, and Visa Provisioning Intelligence; and Visa Consulting and Analytics, a payment consulting advisory services. It provides its services under the Visa, Visa Electron, Interlink, V PAY, and PLUS brands. The company serves merchants, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.
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