Market Pulse50Neutral

Visa Inc.Opportunity Rank #107(V) Intrinsic Value & DCF Analysis (2026)

Current Price

$304.44

Last updated: Mar 24, 2026

Price vs Intrinsic Value

$304.44
Price
$309.25
Intrinsic Value
Undervalued by 2%MOS: $247.40

Fundamental Score

72/100
Bullish

Weighted across 6 signals

Narrative Score

80/100
Strong

No change vs previous

The intrinsic value of Visa Inc. (V) is estimated at $309.25 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $304.44, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 6.66% long-term growth rate and an 8.15% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of Visa Inc. (V) is estimated at $309.25 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $304.44, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 6.66% long-term growth rate and an 8.15% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$309.25
▲ 1.58% upside
20% margin of safety: $247.40
Years: 10Growth Rate: 6.66%
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Capital Efficiency

Average Quarterly ROIC
12.03%
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

72/100
BullishWeighted across 6 signals
DCF Discount
1.6% discount to price
53
FCF Yield
4.4% trailing FCF yield
61
ROIC vs WACC
ROIC 12.0% vs WACC 10.0% (1.2x)
60
Net Debt / FCF
0.2x net debt to FCF
96
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
18.4% 5Y FCF CAGR
100
Strengths lead the score: Net Debt / FCF, Buybacks.

Narrative Details

80/100
Strong
Vs 6-Month Baseline:Above Avg (62nd pct)Weighted across 5 recent drivers
Trend: StableConfidence: 100%Updated: 1h ago
Sources: 205 (200 News · 5 Analyst)
Drivers(last 30 days)
75 regulatory scrutiny+2.8
124 news sentiment+2.3
Earnings beat+0.1
Analyst upgrades+0.0
4 analyst reiterations0.0

Investment Coach

Updated 13h ago
BUYConfidence: 65%
Thesis
Visa Inc. demonstrates strong fundamentals with a ROIC exceeding its cost of capital by 2.0 points and a supportive narrative score, indicating solid operational efficiency and growth potential. Although its valuation is near fair value, the company's consistent free cash flow growth and buyback activity suggest a favorable long-term investment opportunity.
Key Risk
Valuation is close to fair value, which may limit near-term upside and requires patience for a more attractive entry point.
Signals To Watch
  • Price moves to at least a mid-teens discount to fair value.
  • ROIC remains above cost of capital in upcoming quarters.
  • Narrative score shows meaningful shifts in trend direction.
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Historical Growth Rates
Free Cash Flow- - -Trend CAGR: 6.66%5 Year CAGR: 10.26%

Free Cash Flow (in millions)

TTM20252024202320222021202020192018201720162015201420132012201120102009200820072006
$25,958$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.