Market Pulse44Neutral

Visa Inc.Opportunity Rank #174(V) Intrinsic Value & DCF Analysis (2026)

Current Price

$326.60

Last updated: Jun 23, 2026

Price vs Intrinsic Value

$326.60
Price
$288.31
Intrinsic Value
Overvalued by 12%MOS: $230.65

Fundamental Score

63/100
Neutral

Weighted across 6 signals

Narrative Score

80/100
Strong

No change vs previous

Trend Score

46/100
Neutral

As of 2026-06-22

The intrinsic value of Visa Inc. (V) is estimated at $288.31 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $326.60, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 6.62% long-term growth rate and an 8.11% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of Visa Inc. (V) is estimated at $288.31 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $326.60, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 6.62% long-term growth rate and an 8.11% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$288.31
▼ -11.72% downside
20% margin of safety: $230.65
Years: 10Growth Rate: 6.62%
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Capital Efficiency

Average Quarterly ROIC
12.73%
Cost of Capital (estimated)10%
Value StatusCreating Value

The company is earning a higher return on invested capital than it costs to raise that capital — a sign of strong, efficient value creation.

Complete historical ROIC is available with
.

Fundamental Details

63/100
NeutralWeighted across 6 signals
DCF Discount
11.7% premium to price
30
FCF Yield
3.9% trailing FCF yield
47
ROIC vs WACC
ROIC 12.7% vs WACC 10.0% (1.3x)
64
Net Debt / FCF
0.4x net debt to FCF
92
Buybacks
Share count flat
50
FCF CAGR (5Y)
16.8% 5Y FCF CAGR
100
Strengths: Net Debt / FCF, FCF CAGR (5Y). Concerns: DCF Discount.

Narrative Details

80/100
Strong
Vs 6-Month Baseline:Average (55th pct)Weighted across 6 recent drivers
Trend: StableConfidence: 95%Updated: 1h ago
Sources: 211 (200 News · 11 Analyst)
Drivers(last 30 days)
160 news sentiment+2.7
32 regulatory scrutiny+0.5
3 upgrade headlines+0.4
2 legal risk+0.1
3 earnings beat+0.0
11 analyst reiterations0.0

Trend Details

46/100
NeutralAs of 2026-06-22308 daily bars used
6M Relative Strength vs SPY-16.0%
Distance from 52-Week High-9.0%
3M Relative Strength vs SPY-6.5%
Price vs 21 EMA54 · +0.6%
Price vs 50 EMA57 · +1.4%
21 EMA vs 50 EMA56 · +0.8%
3M RS vs SPY25 · -6.5%
6M RS vs SPY14 · -16.0%
Distance from 52W High82 · -9.0%

Investment Coach

Updating... 12d ago
BUYConfidence: 57%
Thesis
Visa Inc. demonstrates a solid investment case with a return on invested capital (ROIC) exceeding its cost of capital by 2.7 percentage points and a supportive narrative score of 80, indicating stable business prospects. Although the valuation is slightly above fair value, the fundamentals remain constructive, suggesting patience may be warranted for entry.
Key Risk
The key risk is that Visa's ROIC could fall below its cost of capital in upcoming quarters, undermining its profitability advantage.
Signals To Watch
  • Price moves to at least a mid-teens discount to fair value.
  • ROIC remains above the cost of capital over coming quarters.
  • Narrative score shows meaningful shifts in trend direction.
Ask the Coach - Available with
Historical Growth Rates
Free Cash Flow- - -Trend CAGR: 6.62%5 Year CAGR: 8.83%

Free Cash Flow (in millions)

TTM20252024202320222021202020192018201720162015201420132012201120102009200820072006
$24,327$24,541$21,207$21,814$19,819$15,932$11,176$13,540$13,431$9,915$6,097$6,998$7,758$3,493$5,385$4,225$2,932$864$946$665$435

How Intrinziq Estimates Fair Value

Intrinziq estimates Visa Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Visa Inc.Financial Services

Visa Inc. functions globally as a leading technology company dedicated to payments. Its primary role is to enable the secure and efficient digital transfer of funds among a wide array of participants, including individual consumers, retail businesses, banking institutions, corporations, strategic partners, and governmental bodies. At the heart of its operations is VisaNet, a highly sophisticated transaction processing network that handles the critical functions of authorizing, clearing, and settling all payment transactions. In addition to this core infrastructure, the company also provides a variety of card products, innovative digital platforms, and an extensive range of supplementary value-added services. These offerings are distributed under several widely recognized brands, including Visa, Visa Electron, Interlink, VPAY, and PLUS. Demonstrating its commitment to enhancing user experience, Visa Inc. has established a key strategic partnership with Ooredoo in Qatar, focused on improving payment solutions for Visa cardholders and Ooredoo customers within the country. The company was established in 1958 and its corporate headquarters are situated in San Francisco, California.