V

SELL

Visa Inc.

Financial Services · Rank #144 · Analyzed Oct 18, 2026

$402.61

Current Price

$235.67

Intrinsic Value

-41.5%

Upside/Downside

3.5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/2 methods agree

Quality Score3.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 41.5%

Fair Value Range

Low$122.50

Base (IV)$235.67

High$284.92

Entry Points

Conservative$85.75

Moderate$122.50

Aggressive$164.97

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity61.2% → 1.0/1.0

Debt LevelD/E 68 → 0/1.0

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

Moat Strength4.0/5 → 1.0/1.0

Profit Margins50.8% → 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.