Visa Inc. Stock Price Targets

Comprehensive analysis of short, mid, and long-term price targets for Visa Inc. (V).

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Give me a comprehensive price target analysis for Visa Inc. (V).

Here is the requested analysis and the requested horizontal target lines drawn on Visa Inc. (V) chart.

Drawing update

  • Low Target line (305.00) drawn in green (#2E8B57), extends from 2025-10-10 to 2025-11-09.
  • Median Target line (399.00) drawn in blue (#1E90FF), extends from 2025-10-10 to 2025-11-09.
  • High Target line (430.00) drawn in orange/red (#FF4500), extends from 2025-10-10 to 2025-11-09.

Price target lines:

  • Low Target: 305.00
  • Median Target: 399.00
  • High Target: 430.00

Comprehensive price target analysis for Visa Inc. (V) Note: All numerical data shown in tables below. Currency is USD.

Executive Summary

  • Investment thesis: Visa remains a financially robust payments platform with durable earnings power, strong margins, and solid cash generation. The stock trades around the mid-300s with analyst targets implying meaningful upside, particularly if the company maintains solid top-line momentum and margin discipline.
  • Price outlook: While near-term macro risks exist, continued payment volumes growth, share repurchases, and a supportive balance sheet support a constructive longer-term thesis. Analysts’ mean target (~390.64) and the median target (399) imply potential upside of roughly 12–15% from the current price, with the high target (430) suggesting upside near 24%.

Fundamental Analysis Key valuation and financial health metrics

  • Current price: 347.04
  • Market cap: 673.58B
  • Enterprise value: 683.82B
  • Trailing P/E: 33.96
  • Forward P/E (est.): 27.41
  • Price to Book: 17.72
  • Return on Equity (ROE): 51.75%
  • Return on Assets (ROA): 17.05%
  • Profit margins: 52.16%
  • Gross margins: 97.78%
  • Operating margins: 66.77%
  • Debt to equity: 65.02%
  • Total cash: 19.18B
  • Total debt: 25.14B
  • Dividend yield: 0.67%
  • Beta: 0.897
  • Notable interpretation: Very high gross and operating margins reflect Visa’s scalable network/routing model and low-cost structure. A modest net debt position (gross debt ~$25.1B vs cash ~$19.2B) yields a lean net debt load. The company carries a high P/E by conventional measures but benefits from stable, highly cash-generative revenue.

Earnings Analysis Recent earnings summary (most recent quarter data shown)

  • 2025-06-30
    • Total revenue: 10.172B
    • Operating income: 6.792B
    • EBITDA: 6.689B
    • Net income: 5.272B
    • Diluted EPS: 2.69
    • Gross profit: 8.199B
    • Cost of revenue: 1.973B
  • 2025-03-31
    • Total revenue: 9.594B
    • Operating income: 5.436B
    • EBITDA: 5.901B
    • Net income: 4.577B
    • Diluted EPS: 2.32
    • Gross profit: 7.713B
  • 2024-12-31
    • Total revenue: 9.510B
    • Operating income: 6.284B
    • EBITDA: 6.564B
    • Net income: 5.119B
    • Diluted EPS: 2.58
    • Gross profit: 7.490B
  • 2024-09-30
    • Total revenue: 9.617B
    • Operating income: 6.359B
    • EBITDA: 6.822B
    • Net income: 5.318B
    • Diluted EPS: 2.65
  • 2024-06-30
    • Total revenue: 8.90B
    • Operating income: 5.959B
    • EBITDA: 6.449B
    • Net income: 4.872B
    • Diluted EPS: 2.40
  • YoY and trend highlights:
    • Recent quarter (2025-06-30) revenue of 10.172B marks a solid year-over-year rise versus 2024-06-30 revenue (8.90B), indicating ongoing growth in payment volumes and mix.
    • Diluted EPS has trended higher year-over-year (2.69 in 2025-06-30 vs 2.40 in 2024-06-30), underscoring margin leverage and operating momentum.

EPS Trend

  • Current quarter (0q): 2.97
  • Next quarter (+1q): 3.09 (approximate implied quarterly pace)
  • 0y (trailing twelve months / TTM): 11.44
  • +1y (forward 12 months): 12.85 Interpretation:
  • The company exhibits stable-to-upbeat quarterly EPS momentum, with an expected uptick into the next quarter and a forward-leaning trend supported by earnings growth and efficiency gains. The year-over-year and forward EPS trajectory supports moderate valuation premium but aligns with Visa’s high-margin, cash-generative model.

EPS Revisions

  • 0q: Up revisions (0 in last 7 days; 0 in last 30 days); Downgrades observed (downLast30Days: 1; downLast7Days: 1)
  • +1q: Up revisions observed (upLast7Days: 1; upLast30Days: 1)
  • 0y: Up revisions observed (upLast7Days: 1; upLast30Days: 1)
  • +1y: Strongest upward revision trend (upLast7Days: 2; upLast30Days: 4) Interpretation:
  • EPS revisions data point to rising expectations for longer horizons, with more upward revisions accumulating for the 1-year forward window (+1y). Near-term revisions are mixed but show signs of improving sentiment as the quarter progresses.

Earnings Quality

  • Revenue growth: Total revenue rose from 8.90B (2024-06-30) to 10.172B (2025-06-30), a roughly 14% year-over-year increase.
  • Profitability: Net income rose in the latest quarter, with substantial gross and operating margins (gross ~97.8%, operating ~66.8%).
  • Margin sustainability: Visa’s model benefits from high incremental margins on payments processing volume, subject to competitive and regulatory dynamics.
  • Cash flow: Large EBITDA and net income figures translate into robust free cash flow generation, supporting potential buybacks and dividends.

Technical Analysis

  • Current price: 347.04
  • 50-day moving average (latest): ~343.5 (as of 2025-10-09)
    • Interpretation: Price sits slightly above the 50-day MA, indicating short-term positive momentum and potential test of nearby resistance around the higher target zone.
  • RSI (14): ~56.8 (mid-range, not overbought)
  • MACD (12,26,9): Positive and above signal (MACD ~1.5 vs Signal ~0.3 in latest data), suggesting ongoing bullish momentum.
  • Current action and levels:
    • Short-term support near 343–345 (near the 50-day MA).
    • Immediate resistance around 350–360, with upside potential toward the analyst targets around 399–430 if momentum persists.
  • Interpretation: The technical setup favors continued upside momentum given the combination of price above the 50-day MA, a neutral-to-bullish RSI, and a positive MACD crossover trend.

Analyst Consensus & Price Targets

  • Current price: 347.04
  • Number of analysts covering: 36
  • Target High: 430.00
  • Target Median: 399.00
  • Target Low: 305.00
  • Target Mean: 390.64
  • Implied upside to mean target: ≈12.6%
  • 52-week target range: 305.00 – 430.00
  • Catalyst considerations:
    • Steady growth in consumer payments volumes and cross-border spend (subject to macro normalization).
    • Margin expansion potential and share repurchases.
    • Regulatory and geopolitical factors affecting payments networks.

Price Target Analysis (Short, Mid, Long-Term)

  • Short-Term (3 months)
    • Target: 399.00 (median)
    • Justification: Near-term earnings momentum, improving EPS revisions horizon (+0 to +1 year), and continued consumer payments activity support a move toward the median target within the next quarter. Estimated drivers include solid quarterly results, continued buybacks, and a stable macro environment.
    • Key drivers: Revenue growth, operating leverage, buybacks, sentiment from +1q revisions.
  • Mid-Term (12 months)
    • Target: 430.00 (high)
    • Justification: If visa sustains growth and multiple expansion occurs with steady margins, the high target captures upside from continued monetization of the payment network, potential multiple re-rating as cash generation remains robust, and favorable consensus revisions.
    • Key drivers: 12-month growth in cross-border and digital payments, resilient margins, potential buybacks, and share-price re-rating.
  • Long-Term (3+ years)
    • Target: 430.00 (high)
    • Justification: In a favorable macro and regulatory environment, Visa could realize sustained earnings power, network effects, and efficiency gains. The long-term target assumes stable growth in card usage, continued efficiency improvements, and potential multiple expansion to reflect Visa’s strong profitability profile.
    • Key drivers: Structural growth in electronic payments, global digital commerce growth, and ongoing margin discipline.

Key Risks & Opportunities

  • Key Risks
    • Macroeconomic slowdown reducing consumer spend and cross-border volumes.
    • Regulatory/regulatory risk impacting interchange revenue or data sharing.
    • Competitive pressures from fintechs and bank networks; potential technology disruption.
    • FX volatility on cross-border activity (if applicable for non-U.S. revenue).
  • Key Opportunities
    • Continued growth in digital payments and e-commerce penetration.
    • Margin expansion through scale and efficiency.
    • Share repurchases supporting per-share metrics.
    • Potential for stronger-than-expected rebound in cross-border volumes.

Investment Recommendation

  • Recommendation: Hold
  • Time horizon: 12–24 months
  • Expected return potential: Approximately 12%–22% upside versus current price, depending on whether target mean or high is realized (roughly 12.5% to 24% upside to the mean/median and high targets).
  • Rationale: Visa’s fundamentals remain solid with strong profitability, robust cash generation, and a favorable long-term trend in electronic payments. Near-term upside is supported by positive EPS momentum and revisions, but valuation is rich relative to broad markets, requiring continued revenue growth and margin discipline to unlock meaningful gains.

Notes on data sources referenced

  • Price targets and analyst data: current price 347.04; number of analysts 36; Low 305.00, Median 399.00, High 430.00; Mean 390.64.
  • Earnings summary (2025-06-30 batch and prior quarters) including Total Revenue, EBITDA, EBIT, Net Income, and Diluted EPS.
  • EPS Trend snapshot: current 2.97; next quarter 3.09; 0y trailing 11.44; +1y forward 12.85.
  • EPS Revisions: up/down revisions by horizon (0q, +1q, 0y, +1y) showing improvement in revisions for the +1y horizon.
  • Technical indicators: 50-day MA around 343–347; RSI around mid-50s to mid-60s; MACD positive.

If you’d like, I can extend the price-target framework with probability-weighted scenarios (base/bull/bear) and attach a sensitivity table showing how results vary with different EPS and revenue growth assumptions.

Appendix: Data snapshot references (for convenience)

  • Current price used for calculations: 347.04
  • Target Low/Median/High used for price lines: 305.00 / 399.00 / 430.00
  • Analyst mean target: 390.64
  • 50-day MA (latest): ~343.5 (as of 2025-10-09)
  • RSI (latest): ~56.8
  • MACD (latest): MACD ~1.5, Signal ~0.3
  • Recent quarter data (2025-06-30): Revenue 10.172B; Net income 5.272B; Diluted EPS 2.69; EBITDA 6.689B; Operating income 6.792B

Would you like me to generate a downloadable one-page PDF of this report or add a sensitivity chart showing upside/downside scenarios to the price targets?

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