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Upturn AI SWOT - About
V 
Visa Inc. Class A (V)
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Upturn Advisory Summary
03/27/2025: V (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 19.2% | Avg. Invested days 64 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 668.11B USD | Price to earnings Ratio 34.91 | 1Y Target Price 376.59 |
Price to earnings Ratio 34.91 | 1Y Target Price 376.59 | ||
Volume (30-day avg) 7317848 | Beta 0.95 | 52 Weeks Range 251.29 - 366.54 | Updated Date 04/1/2025 |
52 Weeks Range 251.29 - 366.54 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.67% | Basic EPS (TTM) 9.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 54.27% | Operating Margin (TTM) 68.67% |
Management Effectiveness
Return on Assets (TTM) 16.71% | Return on Equity (TTM) 51.19% |
Valuation
Trailing PE 34.91 | Forward PE 31.06 | Enterprise Value 683220194415 | Price to Sales(TTM) 18.15 |
Enterprise Value 683220194415 | Price to Sales(TTM) 18.15 | ||
Enterprise Value to Revenue 18.56 | Enterprise Value to EBITDA 26.5 | Shares Outstanding 1723360000 | Shares Floating 1785739439 |
Shares Outstanding 1723360000 | Shares Floating 1785739439 | ||
Percent Insiders 0.56 | Percent Institutions 90.29 |
Analyst Ratings
Rating 4.29 | Target Price 335.2 | Buy 11 | Strong Buy 19 |
Buy 11 | Strong Buy 19 | ||
Hold 8 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Visa Inc. Class A
Company Overview
History and Background
Visa Inc. Class A was founded in 1958 as BankAmericard by Bank of America, evolving into Visa in 1976. It separated from Bank of America in 2007 and went public in 2008, becoming a global leader in digital payments.
Core Business Areas
- Payments Technology: Provides payment processing services and technology solutions to financial institutions, merchants, and consumers.
- Transaction Processing: Operates VisaNet, a global transaction processing network that enables secure and reliable electronic payments.
- Value-Added Services: Offers services like fraud prevention, data analytics, and consulting to enhance payment experiences.
Leadership and Structure
The leadership team includes the CEO and executive management, with a board of directors overseeing strategic direction. The organizational structure is segmented by function (technology, sales, marketing) and geography.
Top Products and Market Share
Key Offerings
- Visa Credit Cards: Credit cards accepted worldwide, generating substantial revenue. Market share is approximately 50% of global card payments volume. Competitors include Mastercard and American Express. Number of Visa cards in circulation: over 4 billion.
- Visa Debit Cards: Debit cards linked to bank accounts, providing convenient spending options. Competitors include Mastercard and local debit networks.
- Visa Direct: A real-time push payments platform for sending and receiving funds globally. Competitors include Mastercard Send, PayPal, and wire transfer services.
Market Dynamics
Industry Overview
The payments industry is experiencing rapid growth driven by increasing digitalization, e-commerce expansion, and the adoption of contactless payments. Fintech innovation and regulatory changes are also shaping the industry.
Positioning
Visa holds a leading position in the payments industry due to its global network, brand recognition, and technology infrastructure. Its competitive advantages include scale, security, and interoperability.
Total Addressable Market (TAM)
The global payments market is estimated to be in the trillions of dollars. Visa is well-positioned to capture a significant share of this TAM through its existing infrastructure and continued innovation.
Upturn SWOT Analysis
Strengths
- Global brand recognition
- Extensive network and infrastructure
- Strong relationships with financial institutions
- Advanced technology and security capabilities
- Large transaction volume
Weaknesses
- Dependence on financial institutions
- Exposure to regulatory risks
- Potential for cybersecurity breaches
- High interchange fees can deter some merchants
- Subject to market fluctuations
Opportunities
- Expanding into emerging markets
- Developing new payment solutions for e-commerce and mobile payments
- Leveraging data analytics for personalized services
- Acquiring or partnering with fintech companies
- Adopting blockchain technologies
Threats
- Increasing competition from fintech companies and alternative payment systems
- Regulatory scrutiny and potential changes in interchange fees
- Cybersecurity threats and data breaches
- Economic downturns affecting consumer spending
- Geopolitical instability
Competitors and Market Share
Key Competitors
- MA
- PYPL
- SQ
Competitive Landscape
Visa benefits from its global scale and network but faces competition from Mastercard and emerging fintech companies. Visau2019s advantages include its established brand and technology infrastructure, while its disadvantages include potential regulatory risks and dependence on financial institutions.
Major Acquisitions
Currencycloud
- Year: 2021
- Acquisition Price (USD millions): 963
- Strategic Rationale: Expanded Visa's cross-border payments capabilities and reach in the fintech space.
Growth Trajectory and Initiatives
Historical Growth: Visa has demonstrated consistent revenue and earnings growth over the past decade, driven by increasing digital payments and global expansion.
Future Projections: Analysts project continued growth for Visa, driven by the expansion of digital payments, the growth of e-commerce, and the adoption of new payment technologies. Growth rates can vary based on economic conditions.
Recent Initiatives: Recent strategic initiatives include investments in fintech companies, partnerships with e-commerce platforms, and the development of new payment solutions for emerging markets.
Summary
Visa is a strong company with a dominant position in the global payments industry, benefiting from its extensive network and brand recognition. The company is expanding its reach through strategic acquisitions and partnerships, but it faces increasing competition from fintech innovators. Regulatory scrutiny and cybersecurity threats remain key risks. Visa's consistent financial performance and growth prospects make it a solid investment for the long term.
Similar Companies
- MA
- PYPL
- FIS
- ADBE
Sources and Disclaimers
Data Sources:
- Visa Inc. Investor Relations
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on independent research and consultation with a financial advisor. Market conditions can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Visa Inc. Class A
Exchange NYSE | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2008-03-19 | President, CEO & Director Mr. Ryan M. McInerney | ||
Sector Financial Services | Industry Credit Services | Full time employees - | Website https://www.visa.com |
Full time employees - | Website https://www.visa.com | ||
Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a solution that facilitates the delivery of funds to eligible cards, bank accounts, and digital wallets; Visa B2B Connect, a multilateral business-to-business cross-border payments network; Visa Cross-Border Solution, a cross-border consumer payments solution; and Visa DPS that provides a range of value-added services, including fraud mitigation, dispute management, data analytics, campaign management, a suite of digital solutions, and contact center services. The company also provides acceptance solutions, which include Cybersource and Authorize.net that provides new and enhanced payment integrations with ecommerce platforms, enabling sellers and acquirers to offer tailored commerce experiences; risk and identity solutions, such as Visa Advanced Authorization, Visa Secure, Visa Consumer Authentication Service, Visa Protect Authentication Intelligence, and Visa Provisioning Intelligence; and Visa Consulting and Analytics, a payment consulting advisory services. It provides its services under the Visa, Visa Electron, Interlink, V PAY, and PLUS brands. The company serves merchants, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.
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