VISA INC. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
V on NYSE
Location
San Francisco, CA
Fiscal year end
30 September
Latest financial report
30 Jan 2026

Quick Takeaways

  • V - VISA INC. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 54%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+5.4%</span>.
  • Most recent SEC facts end date: 31 Dec 2025.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2025-12-31) highlights Return On Equity 54.0%, Return On Assets 18.4%, and Operating Margin 68.3%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

87.5/100

Strong Confidence high

Return On Equity

54%

Metric score 100.0/100

Return On Assets

18%

Metric score 100.0/100

Financial Health

Current Ratio
1.11x
Quick Ratio
0.72x
Debt to Equity
0.55x

Strengths

Return On Equity, Return On Assets, and Operating Margin

Watchpoints

No major risk flags from available metrics.

Key metrics snapshot

Return On Equity

54%

YoY: +5.4%

Industry median: 3.3% (n=133)

View history

Return On Assets

18%

YoY: +1.1%

Industry median: -0.28% (n=130)

View history

Operating Margin

68%

YoY: -8.8%

Industry median: 0.34% (n=112)

View history

Current Ratio

1.11x

YoY: -0.9%

Industry median: 1.07x (n=133)

View history

Quick Ratio

0.72x

YoY: +11%

Industry median: 0.91x (n=95)

View history

Debt-to-equity

0.55x

YoY:

Industry median: 0.61x (n=132)

View history

Revenues YoY

12%

YoY:

Industry median: 4.6% (n=49)

View history

NetIncomeLoss YoY

4.1%

YoY:

Industry median: -0.54% (n=122)

View history

Profitability

Metric Latest value YoY change
Return On Equity 54% +5.4%
Return On Assets 18% +1.1%
Operating Margin 68% -8.8%

Financial Health

Metric Latest value YoY change
Current Ratio 1.11x -0.9%
Quick Ratio 0.72x +11%
Debt-to-equity 0.55x

Growth

Metric Latest value YoY change
Revenues YoY 12%
NetIncomeLoss YoY 4.1%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $41,391,000,000 +12%
General and Administrative Expense $1,960,000,000 +13%
Costs and Expenses $16,894,000,000 +31%
Operating Income (Loss) $24,497,000,000 +2.6%
Nonoperating Income (Expense) $223,000,000 +12%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $24,720,000,000 +2.7%
Income Tax Expense (Benefit) $3,928,000,000 -4.2%
Cash and Cash Equivalents, at Carrying Value $14,756,000,000 +19%
Accounts Receivable, after Allowance for Credit Loss, Current $3,231,000,000 +25%
Assets, Current $34,997,000,000 +7.3%
Property, Plant and Equipment, Net $4,276,000,000 +7.6%
Intangible Assets, Net (Excluding Goodwill) $27,664,000,000 +6.9%
Goodwill $19,885,000,000 +1.7%
Other Assets, Noncurrent $3,967,000,000 +14%
Assets $96,814,000,000 +5.4%
Accounts Payable, Current $433,000,000 +6.9%
Employee-related Liabilities, Current $1,158,000,000 -5.5%
Accrued Liabilities, Current $5,576,000,000 +19%
Liabilities, Current $31,491,000,000 +8.2%
Deferred Income Tax Liabilities, Net $5,241,000,000 +0.94%
Other Liabilities, Noncurrent $1,717,000,000 -35%
Liabilities $58,037,000,000 +8.3%
Accumulated Other Comprehensive Income (Loss), Net of Tax $247,000,000
Retained Earnings (Accumulated Deficit) $16,018,000,000 -8.1%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $38,777,000,000 +1.3%
Liabilities and Equity $96,814,000,000 +5.4%
Share-based Payment Arrangement, Noncash Expense $231,000,000 +3.1%
Other Noncash Income (Expense) $18,000,000 +68%
Increase (Decrease) in Accounts Receivable $109,000,000 +70%
Net Cash Provided by (Used in) Operating Activities $6,780,000,000 +26%
Net Cash Provided by (Used in) Financing Activities $8,986,000,000 -64%
Net Cash Provided by (Used in) Investing Activities $361,000,000 -54%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $1,811,000,000 -992%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $23,176,000,000 +16%
Interest Paid, Excluding Capitalized Interest, Operating Activities $213,000,000 0%
Deferred Income Tax Expense (Benefit) $435,000,000 -1245%
Preferred Stock, Shares Issued 5,000,000 0%
Additional Paid in Capital $21,980,000,000 +3.1%
Preferred Stock, Shares Outstanding 5,000,000 0%
Preferred Stock, Par or Stated Value Per Share 0.0001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY