Independent equity research
Is Visa (V) a Buy, Hold or Sell?
Visa — our independent, AI-built valuation and rating, in brief.
HOLD (trim into strength)
12-mo fair value
$320.00
To fair value
−14%
By · report dated 2026-08-14 · fair value derived independently of the market price.
The thesis, in brief
Visa's franchise is intact — 48% ROIC, value-added services +34% — but at 24.4x our FY27E EPS of $14.91 the price already embeds a 10.5% ten-year owner-FCF CAGR against the 7.6% we model; we put fair value at $320. Falsified if FY27 revenue is guided above 12% or VAS holds above 25% once FIFA laps
How we value it
We value Visa using 10-yr DCF on owner FCF after SBC, WACC 8.75%, g 2.5%; cross-check 25x FY27E EPS. The 12-month fair value is set from that intrinsic estimate first, then compared to the market to read the upside or downside — never anchored to the current price.
What the full report covers
- Business & moat + industry cycle
- Earnings quality & normalized EPS
- Returns on capital (ROIC vs WACC)
- Balance-sheet safety
- Two independent valuations (DCF + multiples)
- Bear / base / bull fair values
- Earnings-call analysis
- Insider activity & positioning
- Technicals (RSI / ADX)
- A falsifiable thesis
Read the full Visa report
The complete model, the scenarios, and every number behind the call — plus other names across the coverage. One subscription, cancel anytime.