Keuangan Visa Inc. (V)
NYSE · Financial Services · Financial - Credit Services · Karyawan: 34.100 · CEO: Ryan McInerney
- Harga
- $413,59 +0,74%
- Kapitalisasi pasar
- $773 M
- Nilai perusahaan
- $782 M
- Laporan terakhir
- Q4 '26 diajukan 2026-10-27
- Laporan berikutnya
- 2027-01-28 Estimasi EPS: $3,63
Pendapatan (TTM)$45,9 M+14,8% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)61,2%+1,3 poin vs tahun laluLaba operasional: $28,1 M
Laba bersih (TTM)$23,5 M+17,2% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$22,1 M+2,2% vs tahun laluCapex: $1,67 M
EPS dilusian (TTM)$12,33+20,8% vs tahun laluJumlah 4 kuartal terakhir
Kas neto-$7,99 M-29,4% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $773 M EV $782 M
- Pendapatan
- $45,9 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +11% Konsensus FY2027
- Margin laba
- 51,2% Laba bersih / pendapatan, TTM
- P/E
- 33,2× Forward 27,5× (FY2027)
- P/S
- 16,8× Harga / penjualan, TTM
- EV / EBITDA
- 25,8× TTM
- Arus kas bebas
- $22,1 M 12 bulan terakhir
- Laba bersih
- $23,5 M 12 bulan terakhir
- Estimasi pendapatan
- $51 M Konsensus FY2027
- Laba
- 2027-01-28 Estimasi pendapatan: $12,2 M
- Dividen
- $2,68 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Laporan terakhir (2026-10-27): pendapatan sesuai ekspektasi, EPS melampaui 1,2%Pendapatan $12,1 M vs $12,1 M yang diharapkan (+0,4%); EPS $3,48 vs $3,44 (+1,2%).
- Pertumbuhan pendapatan melambat: 13,2% yoyPendapatan Q4 '26: $12,1 M, rata-rata empat kuartal sebelumnya: 14,4%.
- Margin operasional 61,2% (TTM), dibanding tahun lalu: +1,3 poinLaba operasional tumbuh 17,2%, pendapatan tumbuh 14,8%.
- Capex: 3,6% dari pendapatan (tahun lalu 3,7%)$1,67 M diinvestasikan dalam 4 kuartal terakhir (+12,8% dibanding tahun sebelumnya). Arus kas bebas: $22,1 M = 93,8% dari laba bersih.
- $25,6 M dikembalikan ke pemegang saham = 115,9% dari arus kas bebasBuyback: $20,5 M (tahun lalu $18,3 M), dividen: $5,11 M, kompensasi saham: $928 jt (TTM). Lebih besar dari arus kas bebas: dibayar dari kas atau utang.
- Jumlah saham dilusian turun dalam setahun: 3,2%Saham dilusian pada Q4 '26: 1,88 M, setahun sebelumnya: 1,95 M.
- Utang neto: $7,99 MKas + investasi jangka pendek: $14,1 M, utang termasuk sewa: $22,1 M; tahun lalu utang neto: $6,17 M.
Kuartal terakhir: Q4 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q4 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $12,1 M | $10,7 M | +13,2% |
| Margin kotor | 82,2% | 81,5% | +0,6 poin |
| Laba operasional | $7,26 M | $6,15 M | +18,1% |
| Margin operasional | 59,8% | 57,3% | +2,5 poin |
| Laba bersih | $6 M | $5,09 M | +17,9% |
| EPS dilusian | $3,19 | $2,62 | +21,8% |
| Arus kas operasional | $7,39 M | $6,24 M | +18,4% |
| Capex | $493 jt | $389 jt | +26,7% |
| Arus kas bebas | $6,89 M | $5,85 M | +17,8% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $200 jt | $191 jt | +4,7% |
Dilaporkan vs konsensus
2026-10-27| Aktual | Konsensus | vs konsensus | |
|---|---|---|---|
| Pendapatan | $12,1 M | $12,1 M | +0,4% |
| EPS (basis konsensus) | $3,48 | $3,44 | +1,2% |
Dari laporan 2026-10-27 untuk Q4 '26: pendapatan dan EPS yang diperkirakan analis (sering disesuaikan), sehingga bisa berbeda dari EPS laporan keuangan di atas.
EPS vs konsensus
8 laporan terakhirPendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Data Processing Revenues | $6,04 M | +17,3% | 51,9% | $22,5 M | +17,3% | |
| Service | $4,92 M | +13,7% | 42,3% | $19,3 M | +12,4% | |
| Client Incentives | -$4,68 M | -17,8% | -40,2% | -$17,4 M | -15,3% | |
| International Transaction Revenues | $3,85 M | +6,1% | 33,1% | $14,9 M | +8,0% | |
| Service, Other | $1,5 M | +45,5% | 12,9% | $5,21 M | +35,4% |
Pendapatan per wilayah
porsi dari total| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Non-US | $7,22 M | +15,7% | 62,1% | $27,4 M | +16,5% | |
| United States | $4,41 M | +12,3% | 37,9% | $17 M | +11,1% |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $23,7 M
- Capex
- -$1,67 M
- Buyback
- -$20,5 M
- Dividen
- -$5,11 M
- Akuisisi
- -$705 jt
- Utang neto diterbitkan
- $1,43 M
- Kompensasi berbasis saham
- $928 jt
- Arus kas bebas
- $22,1 M
- Dikembalikan ke pemegang saham / FCF
- 115,9%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 33,2× | 28,7× | 25,3× – 33,4× |
| EV / EBITDA | 25,8× | 21,8× | 19,8× – 25,8× |
| EV / Penjualan | 17,0× | 14,7× | 13,2× – 16,8× |
| Harga / FCF | 35,0× | 26,6× | 21,2× – 30,7× |
| Harga / Nilai buku | 19,7× | 14,3× | 10,7× – 17,5× |
| Imbal hasil FCF | 2,9% | 3,8% | 3,3% – 4,7% |
| Imbal hasil modal yang diinvestasikan | 35,9% | 28,3% | 23,2% – 35,9% |
| Imbal hasil ekuitas | 64,5% | 51,0% | 42,0% – 65,1% |
Analis
Target konsensus $444,11 (+7,4%)
rentang $405,00 – $480,00 · peringkat Buy
Beli kuat0
Beli53
Tahan9
Jual0
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2027 | $51 M | +11,2% | $15,04 | +22,1% | 27,5× | 24 |
| FY2028 | $56,6 M | +10,9% | $17,13 | +13,9% | 24,1× | 20 |
| FY2029 | $63 M | +11,4% | $19,43 | +13,4% | 21,3× | 8 |
| FY2030 | $68,1 M | +8,1% | $19,54 | +0,6% | 21,2× | 3 |
| FY2031 | $74,2 M | +9,0% | $21,49 | +10,0% | 19,2× | 4 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 224 angka yang ditandai Visa Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable, Current | $557 jt | $421 jt | +32,3% | $555 jt | $479 jt | +15,9% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $3,41 M | $2,72 M | +25,2% | $3,13 M | $2,56 M | +22,1% |
| Accrued Income Taxes, Current | $512 jt2025-09-30 | $577 jt | -11,3% | $512 jt | $577 jt | -11,3% |
| Accrued Income Taxes, Noncurrent | $309 jt2025-09-30 | $1,4 M | -77,9% | $309 jt | $1,4 M | -77,9% |
| Accrued Liabilities, Current | $5,67 M | $4,51 M | +25,8% | $5,47 M | $4,91 M | +11,3% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $5,87 M2025-09-30 | $5,47 M | +7,3% | $5,87 M | $5,47 M | +7,3% |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax | $24 jt | $8 jt | +200,0% | $32 jt | $16 jt | +100,0% |
| Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax | $203 jt | -$627 jt | +132,4% | $575 jt | -$109 jt | +627,5% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $22 jt | -$827 jt | +102,7% | $248 jt | -$308 jt | +180,5% |
| Additional Paid in Capital | $22 M | $21,6 M | +2,1% | $21,9 M | $21,2 M | +3,3% |
| Amortization of Intangible Assets | – | – | – | $78 jt | $79 jt | -1,3% |
| AOCI, Cash Flow Hedge, Cumulative Gain (Loss), after Tax | -$162 jt | -$206 jt | +21,4% | -$307 jt | -$213 jt | -44,1% |
| AOCI, Debt Securities, Available-for-sale, Adjustment, after Tax | $5 jt | $14 jt | -64,3% | $12 jt | $30 jt | -60,0% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $275 jt | $259 jt | +6,2% | $897 jt | $850 jt | +5,5% |
| Assets | $95 M | $92,9 M | +2,4% | $99,6 M | $94,5 M | +5,4% |
| Assets, Current | $31,6 M | $32,9 M | -4,0% | $37,8 M | $34 M | +11,0% |
| Capital Expenditures Incurred but Not yet Paid | $99 jt | $20 jt | +395,0% | $59 jt | $52 jt | +13,5% |
| Capitalized Computer Software, Accumulated Amortization | $4 M2025-09-30 | $3,5 M | +14,3% | $4 M | $3,5 M | +14,3% |
| Cash and Cash Equivalents, at Carrying Value | $12,4 M | $11,7 M | +5,7% | $17,2 M | $12 M | +43,3% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $18,7 M | $19,1 M | -2,2% | $25 M | $19,8 M | +26,4% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$4,47 M | -$830 jt | -438,6% | $5,22 M | -$2,23 M | +334,6% |
| Common Stock, Dividends, Per Share, Cash Paid | $0,67 | $0,59 | +13,6% | $0,59 | $0,52 | +13,5% |
| Common Stock, Dividends, Per Share, Declared | $0,67 | $0,59 | +13,6% | $0,59 | $0,52 | +13,5% |
| Communications and Information Technology | $260 jt | $224 jt | +16,1% | $894 jt | $778 jt | +14,9% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $5,8 M | $5 M | +16,0% | $20,6 M | $20,8 M | -0,7% |
| Contract with Customer, Liability | $1,9 M | – | – | – | – | – |
| Conversion of Stock, Amount Converted | $0 | $0 | – | $0 | $0 | – |
| Costs and Expenses | $4 M | $4,16 M | -3,9% | $16 M | $12,3 M | +29,8% |
| Current Federal Tax Expense (Benefit) | – | – | – | $1,88 M | $2,69 M | -30,3% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $1,85 M | $1,28 M | +44,7% |
| Current Income Tax Expense (Benefit) | – | – | – | $3,98 M | $4,27 M | -6,8% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $251 jt | $298 jt | -15,8% |
| Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net | $172 jt | $132 jt | +30,3% | $171 jt | $142 jt | +20,4% |
| Debt Securities, Available-for-sale | $1,39 M | $3,18 M | -56,2% | $2,42 M | $5,45 M | -55,6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $7 jt | $19 jt | -63,2% | $16 jt | $44 jt | -63,6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $0 | $0 | – | $0 | $5 jt | -100,0% |
| Debt Securities, Available-for-sale, Amortized Cost | $1,39 M | $3,16 M | -56,2% | $2,41 M | $5,41 M | -55,6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $150 jt | $1,39 M | -89,2% | $857 jt | $2,48 M | -65,5% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $1,24 M | $1,79 M | -30,5% | $1,56 M | $2,97 M | -47,3% |
| Debt, Long-term and Short-term, Combined Amount | $24 M | $20,8 M | +15,5% | $25,2 M | $20,8 M | +20,8% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | $102 jt | -$132 jt | +177,3% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $41 jt | $50 jt | -18,0% |
| Deferred Income Tax Expense (Benefit) | $453 jt | -$124 jt | +465,3% | $152 jt | -$100 jt | +252,0% |
| Deferred Income Tax Liabilities, Net | $5,89 M | $5,16 M | +14,2% | $5,55 M | $5,3 M | +4,7% |
| Deferred Other Tax Expense (Benefit) | -$666 jt | – | – | – | – | – |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | $9 jt | -$18 jt | +150,0% |
| Deferred Tax Assets, Net of Valuation Allowance | $1,53 M2025-09-30 | $1,64 M | -6,9% | $1,53 M | $1,64 M | -6,9% |
| Deferred Tax Assets, Operating Loss Carryforwards | $258 jt2025-09-30 | $206 jt | +25,2% | $258 jt | $206 jt | +25,2% |
| Deferred Tax Assets, Other | $288 jt2025-09-30 | $855 jt | -66,3% | $288 jt | $855 jt | -66,3% |
| Deferred Tax Assets, Other Comprehensive Loss | $206 jt2025-09-30 | $79 jt | +160,8% | $206 jt | $79 jt | +160,8% |
| Deferred Tax Assets, State Taxes | $74 jt2025-09-30 | $16 jt | +362,5% | $74 jt | $16 jt | +362,5% |
| Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits | $250 jt2025-09-30 | $221 jt | +13,1% | $250 jt | $221 jt | +13,1% |
| Deferred Tax Assets, Tax Deferred Expense, Other | $26 jt2025-09-30 | $102 jt | -74,5% | $26 jt | $102 jt | -74,5% |
| Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Legal Settlements | $690 jt2025-09-30 | $374 jt | +84,5% | $690 jt | $374 jt | +84,5% |
| Deferred Tax Assets, Valuation Allowance | $264 jt2025-09-30 | $212 jt | +24,5% | $264 jt | $212 jt | +24,5% |
| Deferred Tax Liabilities, Gross | $6,95 M2025-09-30 | $6,8 M | +2,2% | $6,95 M | $6,8 M | +2,2% |
| Deferred Tax Liabilities, Intangible Assets | $6,53 M2025-09-30 | $6,4 M | +2,0% | $6,53 M | $6,4 M | +2,0% |
| Deferred Tax Liabilities, Net | $5,42 M2025-09-30 | $5,16 M | +5,0% | $5,42 M | $5,16 M | +5,0% |
| Deferred Tax Liabilities, Property, Plant and Equipment | $296 jt2025-09-30 | $295 jt | +0,3% | $296 jt | $295 jt | +0,3% |
| Deferred Tax Liabilities, Undistributed Foreign Earnings | $50 jt2025-09-30 | $22 jt | +127,3% | $50 jt | $22 jt | +127,3% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-Q 2025-12-31, 10-K 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-Q 2024-12-31, 10-K 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-01