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Just reported
Q4 FY2026 results
From Visa's results release of October 27, 2026; its quarterly report has since been filed.
Revenue
Actual
$12.14B
+13% y/y
+4.3% q/qGuided
—
No guide given
Operating income, GAAP
Actual
$7.26B
+18% y/y
+5.6% q/qGuided
—
No guide given
Company outlook
Q2 FY2027
- EPS$366.81First given
Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.
Keep exploring
The themes Visa is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The theme it is part of
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
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SOFISoFi Technologies, Inc.$20.3BA
FCFSFirstcash Holdings, Inc.$7.8BA+
OMFOnemain Holdings, Inc.$6.3BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.Nov 4, 2026CAGraded C, now A
HSBCHsbc Holdings plcOct 27, 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.Nov 2, 2026BAGraded B, now A
WFCWells Fargo & CompanyOct 13, 2026BAGraded B, now A
CMECME Group Inc.Oct 21, 2026BAGraded B, now A
How it makes money
- Data processing revenue30%
- Service revenue27%
- International transaction revenue19%
- Value-added services18%
Shares of revenue are estimates for quarter ended March 31, 2026, not figures from a filing.
Competes with
What it sells6
Visa credit, debit and prepaid payment credentials
Cards and digital payment details that let people, businesses and governments pay using borrowed credit, money in a bank account or a prepaid balance.
VisaNet
The network that carries payment information between card issuers, banks serving sellers and other payment participants.
Visa Direct
A service that helps banks, businesses and governments send money to cards, bank accounts and digital wallets, including across borders.
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Visa Commercial Solutions
Business payment products, including corporate, purchasing and virtual cards, for paying suppliers, managing expenses and handling company purchases.
Visa Token Service
A security service that replaces a card number with a substitute number when a payment is made digitally.
Visa Acceptance Platform
Payment tools, including Cybersource and Authorize.net, that help sellers and payment providers accept payments online and in person.
Who buys it4
- Banks and other financial institutions that issue Visa cards or connect sellers to Visa payments; they buy network and processing services.
- Sellers, including shops and online businesses, that accept Visa payments, often through a bank or payment processor.
- Businesses that use commercial cards, virtual payments and money-transfer services to pay suppliers or make payouts.
- Governments and public agencies that use payment products and services to collect or send money.
What it stands on, and what could break it
What the business leans on
- 1Visa depends on banks, payment processors and other partners to issue its payment credentials, connect sellers and handle transactions.
- 2Its revenue depends on payment volume and transaction counts, which can change with consumer spending and the use of cash, cards and other payment methods.
- 3Visa relies on its network, data centers and telecommunications systems being available and secure so payments can be processed.
- 4Its ability to operate and set fees is affected by payment rules and regulations in the countries where it does business.
What could go wrong
- 1Governments may limit fees, require payment routing through other networks or favor domestic providers; lawsuits and investigations over payment practices can also lead to costs or restrictions.
- 2Card networks, bank-transfer systems, digital wallets and payment processors compete to handle payments, and sellers may seek lower acceptance costs or route payments elsewhere.
- 3A cyberattack, data breach or failure of Visa's systems could interrupt payments, expose sensitive information or damage trust in its network.
About Visa Inc.
Visa runs VisaNet, which carries payment instructions between the bank that issued a card and the bank serving a seller. It checks whether payments can be approved, records the amounts owed between the banks, and helps arrange payment between them. Visa also connects banks, digital wallets, businesses and government agencies for other money transfers, and sells services for payment security, fraud prevention and transaction analysis. Visa does not issue cards, lend money to cardholders or set the interest rates and fees charged to them.
- Head office
- Foster City, California
- Founded
- 1958
- Employees
- approximately 34,100 (September 30, 2025, high)
- Listed on
- NYSE
- Financial year ends
- September 30
Built from Visa Inc.’s own filings with the U.S. Securities and Exchange Commission (SEC). Figures are as reported, with per-share history restated onto today’s share basis. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.
