V

HOLD

Visa Inc.

Financial Services · Rank #63 · Analyzed Jul 13, 2026

$348.97

Current Price

$346.27

Intrinsic Value

-0.8%

Upside/Downside

5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/2 methods agree

Quality Score3.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueOvervalued by 0.8%

Fair Value Range

Low$127.29

Base (IV)$346.27

High$474.93

Entry Points

Conservative$89.10

Moderate$127.29

Aggressive$242.39

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity60.3% → 1.0/1.0

Debt LevelD/E 67 → 0/1.0

Revenue QualityGrowth 11.5%, margin Δ-0.9% → 0.5/1.0

Moat Strength4.5/5 → 1.0/1.0

Profit Margins51.7% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.