AnnualReportAI — Business Intelligence
Financial & Valuation Intelligence™

Visa Inc.

NASDAQ
V
Sector: Financial Services· Credit Services
Current Price
$414.3
Market Cap
—
AI Financial Summary

Visa Inc. demonstrates strong historical growth in revenue and net profit, with robust free cash flow generation. The company exhibits good business quality and growth scores, although financial strength, profitability, and capital allocation scores are moderate. The current ratio indicates potential short-term liquidity challenges. Forecasted net profit and free cash flow show continued positive trends.

Business Performance (CAGR)

10 Years
Revenue
9.7%
PAT
14.4%
EPS
—
Book Value
—
Free Cash Flow
17.4%

Valuation Snapshot

P/E—
P/B—
EV/EBITDA—
P/S—
Div Yield—

Financial Health

Debt to Equity—
Interest Coverage—x
Current Ratio0.59
Cash & Investments$18.16 B

Profitability Metrics

ROE
—
ROCE
—
ROA
20.1%
EBITDA Mgn
—
Op Margin
—
Net Margin
—

Cash Flow Intelligence

Operating Cash Flow$23.06 B
Free Cash Flow$21.43 B
Cash Conversion115.0%
FCF Margin—

Intrinsic Value

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Estimated Intrinsic Value
████████
Current Price$414.3
Margin of Safety██.██%
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Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.

AI Business Verdict

Visa Inc. presents a strong growth profile with robust cash generation capacity, underpinned by consistent increases in revenue and net profit. While the company demonstrates good business quality, concerns regarding short-term liquidity and the lack of detailed financial health and profitability data prevent a fully comprehensive assessment. Addressing the current ratio and providing more transparency on financial metrics could further strengthen its business analysis.

  • Robust historical revenue and net profit growth, reflecting strong business expansion.
  • Excellent free cash flow generation and growth, indicating high-quality earnings and liquidity.
  • High operating cash flow to net profit ratio, pointing to strong cash conversion from operations.
  • Positive business quality and growth scores.

Balance Sheet

AI-Powered Analysis
Balance Sheet Strength™
53/100
Adequate

Visa Inc. has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.

AI Confidence
78%
Stability
52
Flexibility
59
Strength Factors
Liquidity42
Leverage55
Working Capital60
Asset Quality50
Shareholder Strength50
Financial Stability52
Financial Flexibility™
59/100
Adequate

Capacity to fund growth, withstand downturns and return capital.

Total Assets
Not Available
Total Liabilities
$59.66 B
▲ 20.8% YoY
Shareholder Equity
Not Available
Net Cash Position
-$7.01 B
Monitor
Debt / Equity
Not Available
Elevated
Enterprise Value
Not Available
Capital Structure
Assets
Not Available
Equity
Not Available (Not Available)
Liabilities
$59.66 B (Not Available)
Debt Intelligence™
Debt vs Cash Trend
Debt / EquityNot Available
Interest CoverageNot Available
Debt / EBITDA1.25x
Net Debt$7.01 B
Debt Trend (5Y)9.6%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio0.59
Quick Ratio0.59
Cash Ratio0.29
Working Capital-$14.20 B
Operating Cash CoverageAdequate
Short-term LiquidityWeak
Working Capital Intelligence™
CCC Trend
Receivable DaysNot Available
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion CycleNot Available
Asset Quality (% of Total Assets)
Cash & InvestmentsNot Available
Property, Plant & Equip.Not Available
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other AssetsNot Available
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)Not Available
Net Worth CAGR (5Y)Not Available
Retained EarningsAdequate
Equity Dilution0.00%
Buyback EfficiencyStrong
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskElevated
Liquidity RiskHigh
Working Capital RiskElevated
Refinancing RiskElevated
Asset Quality RiskElevated
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown54
Acquisition Capacity58
High Interest Rates55
Dividend Sustainability54
Revenue Decline50
Cash Flow Resilience56
Expansion Capacity55
Overall Resilience Score
55/100
Adequate Resilience
AI Balance Sheet Commentary
Overall Assessment
  • Visa Inc.
  • has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
  • Balance sheet is functional but shows no standout strengths
Areas To Monitor
  • Tight short-term liquidity cushion
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2025