Market Pulse59Neutral

Visa Inc.Opportunity Rank #148(V) Intrinsic Value & DCF Analysis (2026)

Current Price

$321.28

Last updated: May 08, 2026

Price vs Intrinsic Value

$321.28
Price
$285.26
Intrinsic Value
Overvalued by 11%MOS: $228.21

Fundamental Score

64/100
Neutral

Weighted across 6 signals

Narrative Score

80/100
Strong

No change vs previous

Trend Score

42/100
Weak

As of 2026-05-08

The intrinsic value of Visa Inc. (V) is estimated at $285.26 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $321.28, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 6.62% long-term growth rate and an 8.16% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of Visa Inc. (V) is estimated at $285.26 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $321.28, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 6.62% long-term growth rate and an 8.16% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$285.26
▼ -11.21% downside
20% margin of safety: $228.21
Years: 10Growth Rate: 6.62%
Want to create your own valuation? Create a free account.

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

64/100
NeutralWeighted across 6 signals
DCF Discount
11.2% premium to price
31
FCF Yield
4.0% trailing FCF yield
49
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 (57th pct)Weighted across 6 recent drivers
Trend: StableConfidence: 99%Updated: 17h ago
Sources: 212 (200 News · 12 Analyst)
Drivers(last 30 days)
120 news sentiment+3.0
72 regulatory scrutiny+2.4
3 upgrade headlines+0.8
4 earnings beat+0.5
Legal risk-0.1
2 analyst upgrades+0.0

Trend Details

42/100
WeakAs of 2026-05-08311 daily bars used
3M Relative Strength vs SPY-10.7%
6M Relative Strength vs SPY-15.1%
Distance from 52-Week High-14.6%
Price vs 21 EMA53 · +0.5%
Price vs 50 EMA55 · +1.0%
21 EMA vs 50 EMA54 · +0.5%
3M RS vs SPY14 · -10.7%
6M RS vs SPY16 · -15.1%
Distance from 52W High71 · -14.6%

Investment Coach

Updated 14h 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 momentum. Although the valuation is slightly above fair value, fundamentals remain constructive, suggesting patience may be rewarded.
Key Risk
The key risk is that Visa's valuation is currently above fair value, which could limit near-term upside potential.
Signals To Watch
  • Price moves to at least a mid-teens discount to fair value.
  • ROIC remains above the cost of capital in upcoming quarters.
  • Narrative score shows meaningful directional shifts.
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. operates as a payments technology company worldwide. The company facilitates digital payments among consumers, merchants, financial institutions, businesses, strategic partners, and government entities. It operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. In addition, the company offers card products, platforms, and value-added services. It provides its services under the Visa, Visa Electron, Interlink, VPAY, and PLUS brands. Visa Inc. has a strategic agreement with Ooredoo to provide an enhanced payment experience for Visa cardholders and Ooredoo customers in Qatar. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.