MEDIUM confidence: 100% data completeness, but the composite (52) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
Avg target $388 (last qtr, 8 analysts) → $450 (last mo, 1) (+16.0%).
Buy-rated share 92% → 92% over ~3 months (+0pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Apr 2026 | $3.10 | $3.31 | +6.8% |
| Jan 2026 | $3.14 | $3.17 | +1.0% |
| Oct 2025 | $2.97 | $2.98 | +0.3% |
| Jul 2025 | $2.85 | $2.98 | +4.6% |
| Apr 2025 | $2.68 | $2.76 | +3.0% |
| Jan 2025 | $2.66 | $2.75 | +3.4% |
| Oct 2024 | $2.58 | $2.71 | +5.0% |
| Jul 2024 | $2.42 | $2.42 | +0.0% |
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $24.1B— | $29.3B+21.6% | $32.7B+11.4% | $35.9B+10.0% | $40.0B+11.3% |
| EPS (dil.) | $5.63— | $7.00+24.3% | $8.28+18.3% | $9.73+17.5% | $10.20+4.8% |
| Free Cash Flow | $14.5B— | $17.9B+23.1% | $19.7B+10.2% | $18.7B-5.1% | $21.6B+15.4% |
| Gross Margin | 79.4% | 80.4%+1.1pp | 79.9%-0.6pp | 80.4%+0.5pp | 80.4%-0.0pp |
| Operating Margin | 65.6% | 64.2%-1.4pp | 64.3%+0.1pp | 65.7%+1.4pp | 60.0%-5.7pp |
| Net Margin | 51.1% | 51.0%-0.0pp | 52.9%+1.9pp | 55.0%+2.1pp | 50.1%-4.8pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Net insider -$18.0M over 180 days (0 open-market buys, 4 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
The QScore of 52 for Visa indicates a neutral outlook, driven by strong profitability scores, with an ROE near 59%, but offset by low value scores due to a P/E of 29.3 and P/B of 18.0. Growth and momentum scores are moderate, with revenue growth of 11.3% and a 3-month return of 10.0%. The long-term and short-term scores are relatively aligned, suggesting a consistent view of the company's prospects. Visa's high profitability metrics are a notable strength, but the stock trades at a premium, contributing to its low value score.