Looking up the ticker with the regulator···
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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
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
Ranked highest against the sector: roe: 4.3× above the median (15.0%). Visa Inc. operates in the Financials sector; its F-Score for the latest cycle is 5/9 (Mixed signals). The archetype for the latest cycle reads High quality, valuation unavailable, and the composite of 59/100 frames where the company sits against its sector. Among the key figures, the P/E is n/a against a sector median of 16.7×, revenue moved 11.3% year over year, operating margin was 60.0%, and ROE was 63.8% against a median of 15.0%. Free cash flow for the latest fiscal year came to $21.6B, net debt to $19.6B, and market cap to n/a. The figures rest on 10-K/10-Q filings from SEC EDGAR; the full read, with all twelve percentile metrics, is on the methodology page.
| 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 22.9× 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.
Revenue and margins in the quarterly report (10-Q) will show whether the F-Score profitability signals stay intact. Recheck the V analysis once the report is out.
SEC EDGAR carries the full annual report for V. It has the risk factors, management's discussion, and disclosures the numbers alone leave out.
The same-sector table lists companies alphabetically, with no ranking. Pick two or three yourself and line up P/E, margin, and F-Score: a single number only means something in sector context.
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 7 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 | 6/9 | 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.