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VVisa Inc.

Financials · Business Services · NYSE

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FY2026 at a glance

Sales up 14.8%, free cash flow up to $22.1B

XBRL, from each 10-K

RevenueStatements ↓

$45.9B

from $40.0B in FY2025

FY2017FY2026

Net incomeStatements ↓

$23.5B

from $20.1B in FY2025

FY2017FY2026

Free cash flowStatements ↓

$22.1B

from $21.6B in FY2025

FY2017FY2026

Operating marginStatements ↓

61.2%

from 60.0% in FY2025

FY2017FY2026

Total debtStatements ↓

$22.1B

from $25.2B in FY2025

FY2017FY2026

Price and key numbers

The latest figures

All key numbers (33, from the latest 10-K and 10-Q) From EDGAR

EPS (ttm)	-	Sales (ttm)	45.9B	Net income (ttm)	23.5B	Sales growth	+14.8%	EPS growth	-	Sales Q/Q	-
Free cash flow	22.1B	Gross margin	-	Oper. margin	61.2%	Net margin	51.2%	FCF margin	48.1%	ROE	65.1%
ROA	24.9%	R&D / sales	-	Dividend	0.67	Debt/Eq	0.61	Curr. ratio	0.97	Cash	12.9B
Op. cash flow (ttm)	23.7B	EBITDA	29.5B	EBITDA margin	64.3%	Net debt	9.1B	Quick ratio	0.97	Interest cover	37.08
ROIC	40.4%	Tax rate	16.3%	Stock pay / sales	2.0%	Asset turnover	0.49	Days sales out.	30	Sales 3Y CAGR	+12.0%
Sales 5Y CAGR	+13.8%	Employees	34,800	Sales / employee	1.3M

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

V against Financials peers

Ten years, side by side → · All 76 →

VPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+14.8%15th of 76 · median +7.2%

Net margin

51.2%2nd of 76 · median 20.4%

Return on equity

65.1%3rd of 74 · median 16.7%

Free cash flow margin

48.1%2nd of 49 · median 21.5%

Debt / equity (less is better)

0.6126th of 62 · median 0.70

V and the 5 peers closest in revenue
Company	Revenue (ttm)	Sales growth	Gross margin	Net margin	ROE	FCF margin	Debt / equity
V Visa Inc.	$45.9B	+14.8%	-	51.2%	65.1%	48.1%	0.61
PRU Prudential Financial	$61.3B	-13.7%	-	6.3%	13.1%	-	0.70
TRV Travelers Companies	$48.9B	+5.2%	-	17.0%	28.7%	-	0.34
MA Mastercard	$36.3B	+16.4%	-	46.7%	-	44.3%	3.54
PYPL PayPal	$34.3B	+4.3%	-	13.8%	24.3%	18.4%	0.70
APO Apollo Global Management	$30.8B	+22.7%	-	-3.0%	-5.8%	-	0.92

Profitability

3 of 3

✓
Net margin above the peer median51.2% vs 20.4%
✓
Return on equity above 15%65.1%
✓
A profit in every one of 10 years

Net margin, FY2017 to FY2026: 36.5% → 51.2%

Balance sheet

3 of 4

✓
Interest covered more than 5 timesOperating income is 37.1× interest expense
✓
Debt smaller than equityDebt / equity 0.61 on the latest balance sheet (peer median 0.70)
!
Current ratio below 1Current ratio 0.97
✓
Net debt under 3 years of free cash flow$9.1B net debt, 0.4 years

Debt / equity at each year end, FY2017 to FY2026: 0.51 → 0.61

What the debt is made of ↓

Cash and shareholders

3 of 3

✓
Free cash flow positive in every one of 10 years$22.1B last year
✓
Dividend per share up over 5 years$0.32 → $0.67
✓
Cash from operations above net income$23.7B vs $23.5B

Free cash flow, FY2017 to FY2026: 8.6B → 22.1B

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

Debt

$22.6B of principal due, schedule of Sep 30, 2026

Repayment schedule →

From the balance sheet in the latest 10-K or 10-Q (XBRL). When each part falls due, year by year, and the debt note's own lines are on the Debt tab.

Revenue and net income, FY2017 to FY2026

Revenue 45.9B Net income 23.5B

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

Where the $45.9B of revenue came from

by region, year to Sep 30, 2026

International $28.5B · 62%
U.S. $17.4B · 38%

From the segment tables in the 10-K XBRL. Revenue by segment, product and region →

Statements

Income statement, balance sheet and cash flow

XBRL, each 10-K and 10-Q

V's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly

Revenue45.9B

Net income23.5B

Free cash flow22.1B

Dividend per share0.67

Revenue by product or service

year to Sep 30, 2026

	Revenue	Share	vs year before
Data processing revenue	23.4B	50.9%	+16.9%
International transaction revenue	15.3B	33.2%	+7.7%
Value-Added Services	14.2B	30.9%	+30.3%
Other revenue	5.7B	12.4%	+40.1%
Client incentives	-18.3B	-39.9%	-

10-K 0001403161-26-000134, segment and revenue notes (XBRL).

Revenue by region

year to Sep 30, 2026

	Revenue	Share	vs year before
International	28.5B	62.0%	+16.9%
U.S.	17.4B	38.0%	+11.5%

10-K 0001403161-26-000134, segment and revenue notes (XBRL).

Income statement

From EDGAR

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	18.4B	20.6B	23.0B	21.8B	24.1B	29.3B	32.7B	35.9B	40.0B	45.9B
SG&A	1.1B	1.1B	1.2B	1.1B	985.0M	1.2B	1.3B	1.6B	1.9B	2.3B
Operating income	12.1B	13.0B	15.0B	14.1B	15.8B	18.8B	21.0B	23.6B	24.0B	28.1B
Interest expense	489.0M	545.0M	537.0M	537.0M	643.0M	538.0M	644.0M	641.0M	589.0M	758.0M
Pretax income	11.7B	12.8B	14.9B	13.8B	16.1B	18.1B	21.0B	23.9B	24.2B	28.1B
Income tax	5.0B	2.5B	2.8B	2.9B	3.8B	3.2B	3.8B	4.2B	4.1B	4.6B
Net income	6.7B	10.3B	12.1B	10.9B	12.3B	15.0B	17.3B	19.7B	20.1B	23.5B
Depreciation & amortization	556.0M	613.0M	656.0M	767.0M	804.0M	861.0M	943.0M	1.0B	1.2B	1.4B
EBITDA	12.7B	13.6B	15.7B	14.8B	16.6B	19.7B	21.9B	24.6B	25.2B	29.5B
Operating margin	66.2%	62.9%	65.3%	64.5%	65.6%	64.2%	64.3%	65.7%	60.0%	61.2%
Net margin	36.5%	50.0%	52.6%	49.7%	51.1%	51.0%	52.9%	55.0%	50.1%	51.2%
Revenue growth	-	+12.3%	+11.5%	-4.9%	+10.3%	+21.6%	+11.4%	+10.0%	+11.3%	+14.8%

Balance sheet

From EDGAR

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Cash	9.9B	8.2B	7.8B	16.3B	16.5B	15.7B	16.3B	12.0B	17.2B	12.9B
Short-term investments	-	3.4B	4.1B	3.6B	-	-	-	-	-	-
Receivables	1.1B	1.2B	1.5B	1.6B	2.0B	2.0B	2.3B	2.6B	3.1B	3.7B
Current assets	19.0B	18.2B	21.0B	27.6B	27.6B	30.2B	33.5B	34.0B	37.8B	30.5B
Property & equipment	2.3B	2.5B	2.7B	2.7B	2.7B	3.2B	3.4B	3.8B	4.2B	5.1B
Goodwill	15.1B	15.2B	15.7B	15.9B	16.0B	17.8B	18.0B	18.9B	19.9B	20.8B
Total assets	68.0B	69.2B	72.6B	80.9B	82.9B	85.5B	90.5B	94.5B	99.6B	94.4B
Accounts payable	179.0M	183.0M	156.0M	174.0M	266.0M	340.0M	375.0M	479.0M	555.0M	606.0M
Current liabilities	10.0B	11.3B	13.4B	14.5B	15.7B	20.9B	23.1B	26.5B	35.0B	31.6B
Total debt	16.6B	16.6B	16.7B	24.1B	21.0B	22.4B	20.5B	20.8B	25.2B	22.1B
Total liabilities	35.2B	35.2B	37.9B	44.7B	45.3B	49.9B	51.8B	55.4B	61.7B	58.2B
Shareholders' equity	32.8B	34.0B	34.7B	36.2B	37.6B	35.6B	38.7B	39.1B	37.9B	36.1B
Retained earnings	9.5B	11.3B	13.5B	14.1B	15.4B	16.1B	18.0B	17.3B	15.1B	13.6B

Cash flow

From EDGAR

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Operating cash flow	9.3B	12.9B	12.8B	10.4B	15.2B	18.8B	20.8B	19.9B	23.1B	23.7B
Capital spending	707.0M	718.0M	756.0M	736.0M	705.0M	970.0M	1.1B	1.3B	1.5B	1.7B
Free cash flow	8.6B	12.2B	12.0B	9.7B	14.5B	17.9B	19.7B	18.7B	21.6B	22.1B
Stock-based pay (added back)	235.0M	327.0M	407.0M	416.0M	542.0M	602.0M	765.0M	850.0M	897.0M	928.0M
Dividends paid	1.6B	1.9B	2.3B	2.7B	2.8B	3.2B	3.8B	4.2B	4.6B	5.1B
Buybacks	6.9B	7.2B	8.6B	8.1B	8.7B	11.6B	12.1B	16.7B	18.3B	20.5B
Acquisitions	302.0M	196.0M	699.0M	77.0M	75.0M	1.9B	0	915.0M	887.0M	705.0M
Debt raised	2.5B	0	0	7.2B	0	3.2B	0	0	3.9B	3.0B
Debt repaid	0	1.8B	0	0	3.0B	1.0B	2.2B	0	0	5.6B
Investing cash flow	735.0M	-3.1B	-591.0M	1.4B	-152.0M	-4.3B	-2.0B	-1.9B	708.0M	-994.0M
Financing cash flow	-5.9B	-10.8B	-12.1B	-4.0B	-14.4B	-12.7B	-17.8B	-20.6B	-19.0B	-28.2B
Dividend per share	0.17	-	0.25	0.30	0.32	0.38	0.45	0.52	0.59	0.67

Stock-based pay and leases

From EDGAR

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Stock-based pay (expense)	235.0M	327.0M	407.0M	416.0M	542.0M	602.0M	765.0M	850.0M	897.0M	928.0M
Stock-based pay / revenue	1.3%	1.6%	1.8%	1.9%	2.2%	2.1%	2.3%	2.4%	2.2%	2.0%
Operating lease cost	-	-	-	114.0M	111.0M	117.0M	129.0M	179.0M	195.0M	190.0M
Right-of-use assets	-	-	-	508.0M	515.0M	480.0M	488.0M	873.0M	954.0M	907.0M
Operating lease liabilities	-	-	-	570.0M	574.0M	520.0M	518.0M	835.0M	913.0M	884.0M

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

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