MEDIUM confidence: 100% data completeness, but the composite (57) 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.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
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 $445 (last qtr, 15 analysts) → $445 (last mo, 11) (+0.0%).
Buy-rated share 93% → 90% over ~3 months (-3pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Oct 2026 | $3.44 | $3.48 | +1.2% |
| Jul 2026 | $3.23 | $3.32 | +2.8% |
| 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% |
| Metric (USD) | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|
| Revenue | $29.3B— | $32.7B+11.4% | $35.9B+10.0% | $40.0B+11.3% | $45.9B+14.8% |
| EPS (dil.) | $7.00— | $8.28+18.3% | $9.73+17.5% | $10.20+4.8% | $12.32+20.8% |
| Free Cash Flow | $17.9B— | $19.7B+10.2% | $18.7B-5.1% | $21.6B+15.4% | $22.1B+2.2% |
| Gross Margin | 80.4% | 79.9%-0.6pp | 80.4%+0.5pp | 80.4%-0.0pp | 80.4%+0.0pp |
| Operating Margin | 64.2% | 64.3%+0.1pp | 65.7%+1.4pp | 60.0%-5.7pp | 61.2%+1.3pp |
| Net Margin | 51.0% | 52.9%+1.9pp | 55.0%+2.1pp | 50.1%-4.8pp | 51.2%+1.1pp |
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.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth above the analyst consensus of 9.8%/yr (revenue basis).
Base free cash flow $20.8B (avg FY2024–FY2026; latest year $22.1B) · equity value $776.0B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
Net insider -$50.4M over 180 days (0 open-market buys, 13 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 57 for Visa indicates a moderately positive outlook, driven by strong scores in profitability and momentum, with the company exhibiting high returns on equity near 65% and robust price momentum with a 21% return over the past year. The growth category also scores relatively high at 53, supported by revenue growth of nearly 15%. However, the value category scores low at 10, as the stock trades at a premium with a P/E of 33.4. Notably, the short-term score of 64 diverges from the long-term score of 51 by 13 points, suggesting a recent uptrend.