Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
Visa Inc.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Strong business, valuation unavailable
Get notified when we ship meaningful updates. No spam, no daily noise.
3 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Mixed signals
2 signals unavailable
Profitability
3/4
Debt & liquidity
1/3
Efficiency
1/2
Capital returns at Visa Inc. run well ahead of the sector: ROE reaches 63.8%, some +326% above the sector median of 15.0%, and ROIC of 49.3% clears the median by +61%. Debt/EBITDA of 0.8× sits -45% below the sector median of 1.4×, so the balance sheet carries less strain than most peers. EPS growth of 14.1% trails the sector median of 18.8% by -25%, a softer spot in an otherwise strong picture, and the F-Score of 5/9 reflects mixed signals on efficiency and liquidity. Standard valuation multiples are not available for this filing period, so the price read rests on the quality and growth metrics alone. Consensus models earnings expansion, but the beat rate over eight quarters has been weak — the market's forward view carries more uncertainty than the analyst count alone might suggest.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| AXP | American Express | 4/9 | 34% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
Priced at 25.0× of expected earnings; analyst sentiment is steady; has not always beaten consensus.
Price against next year's expected earnings. The forward P/E already carries analyst optimism — read it alongside the “Versus consensus” line.
The three-month change in the share of positive analyst ratings. This is sentiment, not an earnings-estimate revision, and not a call to act.
The last few quarters are recent context, not a fixed rate. Consensus for near quarters is set low, so companies clear it routinely; over long horizons the forecasts run the other way, too high.
When Visa reports on 2026-10-26, track EPS growth year over year against the current 18.8% figure, which already sits 25% below the sector median. Also check whether the F-Score profitability block holds at 3/4 or slips further.
Pull Visa's latest 10-K on SEC EDGAR and focus on the sections covering network fee structure and cross-border volume disclosures. These bear directly on the ROIC of 61% above the sector median and whether that spread is defensible over time.
Pick two or three names from the same-sector table in section 06 and line up one metric — Debt/EBITDA or ROIC works well here given Visa's 1.42× and 30.7% readings. The table is alphabetical with no ranking, so the comparison is yours to draw.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: +23%+10%-5%+15%
Over 4 years: 1.030.930.850.78
Over 4 years: +22%+11%+10%+11%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
Beat consensus in 8 of 8 recent quarters — the company clears estimates regularly (consensus is often set conservatively).
Last quarter's EPS against consensus, plus the estimated date of the next report.
| +6% |
| — |
| BAC | Bank of America | 5/9 | 10% | +7% | — |
| BLK | BlackRock | 3/9 | 11% | +19% | 29% |
| C | Citigroup | 3/9 | 7% | +6% | — |
| CB | Chubb | 6/9 | 15% | +7% | — |
| GS | Goldman Sachs | 5/9 | 14% | +9% | — |
| JPM | JPMorgan Chase | 3/9 | 16% | +3% | — |
| MA | Mastercard | 7/9 | 210% | +16% | 58% |
| MS | Morgan Stanley | 3/9 | 16% | +14% | — |
| PGR | Progressive | 6/9 | 40% | +16% | — |
| SCHW | Charles Schwab | 5/9 | 18% | +22% | — |
| SPGI | S&P Global | 7/9 | 14% | +8% | 42% |
| USB | U.S. Bancorp | 7/9 | 12% | +4% | — |
| V | Visa Inc. | 5/9 | 64% | +11% | 60% |
| WFC | Wells Fargo | 3/9 | 12% | +2% | — |
A sample of 15 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →
A description of what the market and analysts expect. Not a price forecast and not investment advice. Analyst forecasts run systematically optimistic over long horizons — read them with that discount.