Visa (NYSE:V) Announces Earnings Results

Visa (NYSE:V) posted its earnings results on Thursday. The credit-card processor reported $3.17 EPS for the quarter, beating the consensus estimate of $3.14 by $0.03, FiscalAI reports. Visa had a return on equity of 62.09% and a net margin of 50.23%.The firm had revenue of $10.90 billion during the quarter, compared to the consensus estimate of $10.69 billion. During the same period last year, the company earned $2.75 earnings per share. The business’s quarterly revenue was up 14.6% on a year-over-year basis.

Here are the key takeaways from Visa’s conference call:

• Strong fiscal Q1 results — net revenue rose 15% to $10.9B, EPS was up 15%, payments volume grew 8% to nearly $4 trillion and processed transactions rose 9% to 69 billion, driven by resilient consumer spending.
• Growth concentrated in higher‑margin services — value‑added services revenue grew 28% (about half of overall revenue growth) and commercial & money‑movement solutions grew 20%, with Visa Direct transactions up 23% to 3.7 billion.
• Product and network momentum — credential and platform advances include tap‑to‑pay >80% of face‑to‑face transactions, ~17.5 billion tokens, ~20M Visa Flex credentials and active pilots for agentic commerce and expanded issuer‑processing (Pismo) deployments.
• Stablecoin initiatives are scaling but still small — stablecoin card issuance is in 50+ countries, USDC settlement expanded in the U.S., and stablecoin settlement has an annualized run rate of $4.6B, plus pilots for stablecoin payouts.
• Near‑term cadence risk — lower‑than‑expected FX volatility is a drag for the rest of the year, Visa expects Q2 net revenue growth to step down to low double digits and Q2 operating expense to rise (Olympics/FIFA marketing), creating more quarterly variability despite unchanged full‑year targets.

Visa Stock Down 3.0%

V stock opened at $321.91 on Friday. The stock has a 50-day simple moving average of $338.74 and a two-hundred day simple moving average of $341.59. Visa has a twelve month low of $299.00 and a twelve month high of $375.51. The firm has a market capitalization of $586.44 billion, a PE ratio of 30.20, a PEG ratio of 1.95 and a beta of 0.81. The company has a quick ratio of 1.08, a current ratio of 1.08 and a debt-to-equity ratio of 0.53.

Visa Announces Dividend

The business also recently announced a quarterly dividend, which will be paid on Monday, March 2nd. Shareholders of record on Tuesday, February 10th will be given a dividend of $0.67 per share. The ex-dividend date is Tuesday, February 10th. This represents a $2.68 annualized dividend and a dividend yield of 0.8%. Visa’s dividend payout ratio is currently 25.14%.

Key Headlines Impacting Visa

Here are the key news stories impacting Visa this week:

• Positive Sentiment: Q1 results beat consensus: Visa reported $3.17 EPS vs. $3.14 expected and revenue of $10.90B (vs. $10.69B est.), driven by higher payment and cross‑border volumes and strong holiday spending — a clear near‑term revenue/earnings tailwind. Visa Beats Q1 Earnings
• Positive Sentiment: Multiple analyst upgrades/price‑target raises: Macquarie reaffirmed an outperform and set a $410 PT, RBC reaffirmed outperform with a $395 PT, William Blair reiterated a Buy, and other shops (Rothschild/ Cantor Fitzgerald) issued upgrades — fresh analyst support that implies material upside vs. the current price. Analyst Coverage and Price Targets
• Positive Sentiment: Strategic growth initiatives: Visa is pushing into stablecoin settlement and digital‑dollar networks to capture settlement fees and expand beyond card rails, and management highlighted growth in credentials and agentic commerce — initiatives that could open new fee pools over time. Visa Crypto Strategy
• Neutral Sentiment: Dividend declared: Visa announced a quarterly dividend of $0.67/share (ex‑div Feb 10, payable Mar 2), reinforcing the company’s shareholder cash‑return policy but with a modest ~0.8% yield that is unlikely to be a major near‑term catalyst.
• Neutral Sentiment: Investor materials and commentary: Company slide deck and earnings call emphasized holiday spending strength, credentials momentum and long‑term strategy (agentic commerce, B2B/P2P flows) — useful for conviction but more medium‑term than immediate. Earnings Slide Deck
• Negative Sentiment: Operational headwinds: coverage noted a slight processing‑volume miss and higher operating costs that offset some gains from transaction volume — a factor that can temper margins and investor enthusiasm despite the headline beat. Processing Miss and Costs

Wall Street Analysts Forecast Growth

A number of research firms have issued reports on V. Royal Bank Of Canada restated an “outperform” rating and set a $395.00 price target on shares of Visa in a report on Friday. Redburn Partners set a $385.00 price target on shares of Visa in a report on Wednesday. Rothschild & Co Redburn raised shares of Visa from a “neutral” rating to a “buy” rating and set a $385.00 price target for the company in a research note on Wednesday. Cantor Fitzgerald upgraded shares of Visa to a “strong-buy” rating in a report on Tuesday. Finally, Morgan Stanley restated an “overweight” rating and issued a $411.00 target price (up from $398.00) on shares of Visa in a research note on Friday. Six research analysts have rated the stock with a Strong Buy rating, twenty-one have assigned a Buy rating and four have assigned a Hold rating to the company’s stock. Based on data from MarketBeat, Visa has an average rating of “Buy” and a consensus price target of $392.92.

Insider Transactions at Visa

In other Visa news, Director Lloyd Carney sold 900 shares of the company’s stock in a transaction that occurred on Tuesday, November 4th. The stock was sold at an average price of $336.48, for a total value of $302,832.00. Following the completion of the sale, the director owned 2,468 shares of the company’s stock, valued at $830,432.64. This represents a 26.72% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available through the SEC website. Also, CEO Ryan Mcinerney sold 10,485 shares of the company’s stock in a transaction dated Monday, November 3rd. The shares were sold at an average price of $341.00, for a total transaction of $3,575,385.00. Following the sale, the chief executive officer owned 537 shares of the company’s stock, valued at approximately $183,117. The trade was a 95.13% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Over the last quarter, insiders have sold 24,042 shares of company stock valued at $8,247,289. 0.12% of the stock is currently owned by company insiders.

Institutional Investors Weigh In On Visa

Large investors have recently made changes to their positions in the company. Brighton Jones LLC lifted its holdings in shares of Visa by 50.1% in the 4th quarter. Brighton Jones LLC now owns 20,635 shares of the credit-card processor’s stock worth $6,522,000 after acquiring an additional 6,883 shares during the last quarter. Revolve Wealth Partners LLC grew its holdings in Visa by 68.9% during the 4th quarter. Revolve Wealth Partners LLC now owns 11,811 shares of the credit-card processor’s stock valued at $3,733,000 after purchasing an additional 4,817 shares during the last quarter. Nicholas Hoffman & Company LLC. raised its position in Visa by 4.6% in the 1st quarter. Nicholas Hoffman & Company LLC. now owns 10,941 shares of the credit-card processor’s stock worth $3,834,000 after purchasing an additional 477 shares during the period. Matrix Asset Advisors Inc. NY raised its position in Visa by 16.9% in the 2nd quarter. Matrix Asset Advisors Inc. NY now owns 1,133 shares of the credit-card processor’s stock worth $402,000 after purchasing an additional 164 shares during the period. Finally, Schnieders Capital Management LLC. lifted its stake in Visa by 13.8% in the second quarter. Schnieders Capital Management LLC. now owns 18,367 shares of the credit-card processor’s stock worth $6,521,000 after purchasing an additional 2,230 shares during the last quarter. 82.15% of the stock is currently owned by institutional investors.

About Visa

Visa Inc is a global payments technology company that facilitates electronic funds transfers and digital commerce by connecting consumers, merchants, financial institutions and governments. The firm operates one of the world’s largest payment networks, providing processing, authorization, clearing and settlement services for credit, debit and prepaid card transactions. Visa’s network-based model enables partner banks and other issuers to offer branded payment products while Visa focuses on the infrastructure, standards and technologies that move money securely and efficiently around the world.

Visa’s product and service portfolio includes card-based payment products for consumers and businesses, real-time push-payment capabilities, tokenization and authentication services, fraud and risk-management tools, data analytics and APIs for fintech and merchant integration.