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📡 SignalRadar — RadarScope
Visa Inc.
V NYSE Financial Services Financial - Credit Services
$369.15
1M: +4.6% | 3M: +11.8%
Calitate
Q10
Risc
R5
Scor AI
0
Verdict
TINE
Market Cap
$689.2B
P/E Ratio
31.4
Profit Margin
50.8%
ROE
61.3%
📈 Earnings Report — 2026-07
Ultimul trimestru raportat
EPS Actual
$3.32
▲ 0.3% QoQ▲ 11.4% YoY
EPS Estimat
$3.23
Beat by 2.8%
Revenue Actual
$11.63B
▲ 3.6% QoQ▲ 14.4% YoY
Revenue Estimat
$11.40B
Beat by 2.0%
Istoric Ultimele 4 Trimestre
2026-07
EPS Actual
$3.32
EPS Est.
$3.23
Revenue
$11.63B
Beat/Miss
Beat by 2.8%
2026-04
EPS Actual
$3.31
EPS Est.
$3.1
Revenue
$11.23B
Beat/Miss
Beat by 6.8%
2026-01
EPS Actual
$3.17
EPS Est.
$3.14
Revenue
$10.90B
Beat/Miss
Beat by 1.0%
2025-10
EPS Actual
$2.98
EPS Est.
$2.97
Revenue
$10.72B
Beat/Miss
Beat by 0.3%
Urmatorul Raport
Data
2026-10-27
EPS Estimat
$3.43
Revenue Estimat
$12.09B
💰 Dividende Recente
2026-08
$0.67
Yield: 0.74%
Plata: 2026-09
2026-05
$0.67
Yield: 0.80%
Plata: 2026-06
2026-02
$0.67
Yield: 0.77%
Plata: 2026-03
2025-11
$0.67
Yield: 0.72%
Plata: 2025-12
📊 Scoruri Companie
Crestere 9/10
9
Revenue & Profit Growth
Evaluare 3/10
3
P/E · P/B · P/S
Calitate 10/10
10
Marje · ROE · Datorii
Risc 5/10
5
Beta · Market Cap
📈 Date Financiare Istorice in miliarde USD
💰 Revenue
📊 Net Profit
💵 Cash Flow
Operating (albastru) · Free (violet)
🏦 Cash & Datorii
Cash (verde) · Long-term Debt (rosu)
💸 Operating Expenses
🤖 Analiza RadarScope AI
Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.
💡 Disponibil pe Trader / Elite
🐂 BULL CASE
Disponibil pe Trader / Elite
🐻 BEAR CASE
Disponibil pe Trader / Elite
TINE Upgrade la Trader sau Elite pentru verdictul AI.
📖 Indicatorii lui Lynch — concluzii rapide dupa Peter Lynch
PEG — P/E in contextul cresterii
CAM SCUMP
PEG 1.98 · cu dividend 1.89 · crestere EPS ~15.8%/an. Regula Lynch: ~1 corect, sub 0.5 foarte atractiv, peste 2 scump.
P/E vs istoria proprie si sectorul
P/E acum 31.4.
vs media proprie 5 ani (30.9): IN LINIE cu istoria
vs sector Financial Services (21.2): PESTE sector
Lynch: compara P/E cu propria istorie si media industriei, nu in absolut.
Procentul din vanzari (concentrare produs)
MODERAT CONCENTRAT
Data Processing Revenu 50% · Service 44% · International Transact 35% · Service, Other 10%
Lynch: un produs genial care aduce sub ~10% din venituri nu misca actiunea.
Cash si datorie
DATORIE NETA
Datorie neta pe actiune $1.71 (mai multa datorie decat cash).
Datorie/Capital 0.68 DATORIE MODERATA — decide supravietuirea in vremuri grele (esential la ciclice si turnarounds).
Tip datorie: OK — TERMEN LUNG — majoritar pe termen lung (obligatiuni = timp de manevra). Scurt $5.6B / Lung $19.6B.
Marje de profit
MARJE SOLIDE
Bruta 80.2% · Operationala 60.7% · Neta 50.8%. Marje mari — de regula castigatorul pe termen lung din industrie.
Inventare vs vanzari
FARA STOCURI
Firma fara stocuri semnificative (servicii / software) — indicatorul nu se aplica.
Povestea in 2 minute
De ce o detii: Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.
Ce trebuie sa mearga bine: Disponibil pe Trader / Elite
Obstacole: Disponibil pe Trader / Elite
Lynch: daca nu poti explica coerent in 2 minute de ce o detii, nu o intelegi.
🔬 Analiza Fundamentala Avansata · an fiscal 2025-09-30
🏦 Altman Z-Score
8.23 ZONA SIGURA
X1 Capital de lucru / Active0.027x1.2
X2 Profit reportat / Active0.152x1.4
X3 EBIT / Active0.267x3.3
X4 Capitalizare / Datorii11.168x0.6
X5 Vanzari / Active0.401x1.0
Praguri Altman (1968): >2,99 sigur · 1,81–2,99 gri · <1,81 pericol de faliment
💪 Piotroski F-Score
6/9 ACCEPTABIL
ROA pozitiv20.13%
Cash flow operational pozitiv23.06B
ROA in crestere20.13% vs 20.89%
Cash flow > Profit net (calitate)23.06B vs 20.06B
Datorie pe termen lung in scadere19.7% vs 22.0% din active
Lichiditate curenta in crestere1.08 vs 1.28
Fara emisiune de actiuni noi1925.2M vs 1972.5M
Marja bruta in crestere80.4% vs 80.4%
Rotatia activelor in crestere0.40 vs 0.38
9 teste binare (Piotroski, 2000). 8–9 = putere financiara · 0–2 = slabiciune
⚖️ ROIC vs WACC
+39.80pp CREEAZA VALOARE
ROIC (randamentul capitalului)47.95%
WACC (costul capitalului)8.15%
Ipoteze (la vedere):
Rata fara risc 4.2% (USD) · Beta 0.76 · Prima de risc 5.5%
Cost capitaluri proprii 8.37% · Cost datorie 2.34% · Impozit efectiv 17.1%
Metode publice: Altman, E. (1968), Journal of Finance · Piotroski, J. (2000), Journal of Accounting Research · ROIC/WACC prin CAPM. Fiecare cifra isi arata componentele si pragurile — poti reface calculul manual.
📊 Metrici Fundamentale
P/E TTM31.4
P/B TTM20.08
P/S TTM15.49
EV/EBITDA24.1
Gross Margin80.2%
Operating Margin60.7%
Net Margin50.8%
ROE61.3%
ROA23.9%
Debt/Equity0.68
Current Ratio0.99
FCF Yield3.0%
Dividend Yield0.73%
Beta0.76
💰 Venituri & Profit (ultimele trimestre)
TrimestruRevenueGross ProfitNet IncomeEPS
2026-06$11.6B$8.9B$5.6B$2.97
2026-03$11.2B$9.1B$6.0B$3.15
2025-12$10.9B$8.9B$5.9B$3.03
2025-09$10.7B$8.7B$5.1B$2.62
🏢 Profil Companie
CEORyan McInerney
Angajati34100
IPO2008-03-19
52W High$373.97
52W Low$293.89
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 sett...
🎯 Score Breakdown
Calitate Companie (Q) 10/10
Risc Speculativ (R) 5/10
Scor AI RadarScope 0/100
VERDICT FINAL
TINE
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