V is OVERVALUED SecDiverAI
Median Fair Price 203.5
Confidence: HIGH
Fair Price Range 162.74 - 319.31
3 Year Price target: $ 193.83 - $ 303.32
Current Market Price: 277.84 as of 2024-10-13
Investment Value of 100 $ invested in V as compared to Market Index: SPY across historical periods[*does not include dividends]
Investment Period $ Value Today(V) $ Value Today(SPY) CAGR vs Market
9 years before $ 452.07 $ 208.39 18.25% vs SPY:8.5%
5 years before $ 218.31 $ 150.37 16.9% vs SPY:8.5%
3 years before $ 130.04 $ 127.73 9.15% vs SPY:8.5%
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We have 4 report results for ticker: V - Visa Inc., also organized by 4 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

Business Checklist for V from SecDiver AI beta Free for Limited Time

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Red Flags Identified


6

Total Checks Done


28

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 8.0 / 10.0

  • revenue cagr for last 9 years
  • insight: ['10.5 is greater than equal to 5']
  • mental_model: We prefer growing Business which grow >= 5% YoY, better than GDP growth of >= 2-3%
  • cashflows cagr for last 9 years
  • insight: ['16.06 is greater than equal to 5']
  • mental_model: We prefer growing Business which generate cashflows >= 5% YoY, for some industries like finance specially Banks this might be lower/red and its OK for them
  • shares outstanding cagr for last 9 years
  • insight: ['0.34 is less than equal to 2']
  • mental_model: As a business owner equity is important, We want less dilution over years OR it should reduce so our share of business increases with time, less than 2% is ideal, >=10% is potentially bad be careful
  • debt cagr for last 5 years
  • insight: ['9.85 is less than equal to 2']
  • mental_model: We prefer Business with lower debt growth
  • equity cagr for last 9 years
  • insight: ['3.52 is greater than equal to 5']
  • mental_model: We prefer growing Business having shareholder equity growth >= 5% YoY
  • leverage average for last 3 years
  • insight: ['1.57 is less than equal to 5', '1.57 is greater than equal to 0']
  • mental_model: We prefer Business which can pay their debts in less than 5 years, for some industries like finance specially Banks this might be lower/red and its OK for them
  • roe_cashflow::operating average for last 3 years
  • insight: ['50.17 is greater than equal to 10']
  • mental_model: Good Business have return on equity >= 10%
  • roce_cashflow::operating average for last 3 years
  • insight: ['27.74 is greater than equal to 15']
  • mental_model: Good Business have return on capital >= 15%
  • roic_cashflow::operating average for last 3 years
  • insight: ['631.52 is greater than equal to 15']
  • mental_model: Good Business have return on invested capital >= 15%

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 10.0 / 10.0

  • margin cashflow running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.64 wrt mean ratio: 0.508']
  • cash average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 16154000000.0 wrt mean ratio: 8779466666.667']
  • mental_model: We want stability on cash growth
  • roa_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 21.94 wrt mean ratio: 17.258']
  • mental_model: We want stability on increasing return on assets
  • roe_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 50.17 wrt mean ratio: 32.737']
  • mental_model: We want stability on increasing return on equity
  • roce_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 27.74 wrt mean ratio: 23.278']
  • mental_model: We want stability on increasing return on capital employed
  • roic_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 631.52 wrt mean ratio: 442.013']
  • mental_model: We want stability on increasing return on invested capital

Business Trends last 3 years beta

Score 7.0 / 10.0

  • receivables running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.07 wrt mean ratio: 0.081']
  • mental_model: receivables should always grow less with revenues otherwise there might be some payment/collection issues, Watch out
  • payables running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.1 wrt mean ratio: 0.107']
  • mental_model: the more this is the better, nothing bad about it.
  • cash running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.56 wrt mean ratio: 0.419']
  • mental_model: cash trend should be similar or greater to revenue, if company is heavily reinvesting it might be OK, but do check

Profits Matter beta

💰 Companies needs to have positive profits to reward its shareholders in the long term
Score 10.0 / 10.0

  • positive cashflows profits average for last 3 years
  • insight: ['18277000000.0 is greater than equal to 0']
  • mental_model: We want to see positive cashflows profits for last 3 years, Profits determine Stock prices in the long term

Capital Allocation beta

🧠 Remember: Shareholders only gets rewarded if management does prudent capital allocation decisions
Score 10.0 / 10.0

  • cashToRevenue running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.56 wrt mean ratio: 0.419']
  • cashToEquity running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.43 wrt mean ratio: 0.254']

Business Performance beta

Score 5.0 / 10.0

  • Operating Leverage Cashflow cagr for last 9 years
  • insight: ['Ratio is [1.53] for last 9 year ratio, threshold 0.9, value_1: 16.06, value_2: 10.5']
  • debt cagr for last 5 years
  • insight: ['Ratio is [1.01] for last 5 year ratio, threshold 1, value_1: 9.85, value_2: 9.76']
  • cash cagr for last 9 years
  • insight: ['Ratio is [7.28] for last 9 year ratio, threshold 0.9, value_1: 25.61, value_2: 3.52']
  • debt-equity-cagr cagr for last 5 years
  • insight: ['Ratio is [4.23] for last 5 year ratio, threshold 1, value_1: 9.85, value_2: 2.33']
  • mental_model: We want debt to grow less than equity

Balance Sheet Quality beta

📈 Quality companies can withstand darkest hours, strong balance sheet is the key
Score 7.0 / 10.0

  • debtToCashflow running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 1.57 wrt mean ratio: 1.683']
  • debtToEquity running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.77 wrt mean ratio: 0.622']
  • leverage average for last 3 years
  • insight: ['1.57 is less than equal to 5']
  • mental_model: We prefer Business which can pay their debts in less than 5 years

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We do NOT feel in CONTROL in the markets. Do we know why?

1. Showing BALANCE_SUMMARY report for V [show/hide charts] Current Market Price: 277.84 as of 2024-10-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
V StockMarketPrice 259.87 205.74 212.99 213.66 182.43 127.28 109.26 74.24 73.24 61.47 51.82 35.00 23.26
V revenue 32.65B 29.31B 24.11B 21.85B 22.98B 20.61B 18.36B 15.08B 13.88B 12.70B 11.78B 10.42B 9.19B
V assets 90.50B 85.50B 82.90B 80.92B 72.57B 69.22B 67.98B 64.03B 40.24B 38.57B 35.96B 40.01B 0.0
V cash 16.29B 15.69B 16.49B 16.29B 7.84B 8.16B 9.87B 5.62B 3.52B 1.97B 2.19B 2.07B 0.0
V cashflow::operating 20.75B 18.85B 15.23B 10.44B 12.78B 12.94B 9.32B 5.57B 6.58B 7.21B 3.02B 5.01B 3.87B
V equity 38.73B 35.58B 37.59B 36.21B 34.68B 34.01B 32.76B 32.91B 29.84B 27.41B 26.87B 27.63B 0.0
V debt 20.46B 44.90B 20.98B 24.07B 16.73B 16.63B 18.37B 15.88B 0.0 0.0 0.0 0.0 0.0
V shares 2.08B 2.14B 2.19B 2.22B 2.27B 2.33B 2.40B 2.41B 1.95B 1.99B 2.08B 0.68B 0.71B
V shares_calc 2.06B 2.12B 2.17B 2.20B 2.22B 2.20B 2.29B 2.10B 2.43B 1.99B 2.08B 2.08B 2.17B
V inventory inf inf inf inf inf inf inf inf inf inf inf inf inf
V payables 3.27B 3.28B 2.44B 1.74B 3.99B 2.17B 2.00B 2.08B 0.78B 1.33B 1.23B 0.72B 0.0
V receivables 2.29B 2.02B 1.97B 1.62B 3.05B 1.58B 1.42B 1.47B 0.85B 0.82B 0.80B 0.72B 0.0
V roa_cfo 24.27% 22.74% 18.82% 14.39% 18.47% 19.04% 14.55% 13.85% 17.07% 20.04% 7.55% 0.0 0.0
V roe_cfo 58.33% 50.14% 42.05% 30.10% 37.59% 39.50% 28.31% 18.68% 24.02% 26.81% 10.94% 0.0 0.0
V roce_cfo 25.79% 32.18% 25.26% 20.31% 25.25% 25.31% 19.09% 18.68% 24.02% 26.81% 10.94% 0.0 0.0
V roic_cfo 643.97% 694.25% 556.34% 387.38% 517.15% 574.39% 433.35% 285.12% 347.99% 415.99% 184.49% 305.80% inf
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

2. Vertical Data, ratio wrt to shares_calc for V [show/hide charts] Current Market Price: 277.84 as of 2024-10-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
V StockMarketPrice
V revenue 15.89 13.84 11.09 9.91 10.34 9.35 8.03 7.18 5.71 6.37 5.66 5.01 4.24
V assets 44.03 40.38 38.13 36.71 32.66 31.41 29.73 30.49 16.56 19.35 17.29 19.24 0.0
V cash 7.92 7.41 7.58 7.39 3.53 3.70 4.32 2.68 1.45 0.99 1.05 1.00 0.0
V cashflow::operating 10.10 8.90 7.00 4.74 5.75 5.87 4.07 2.65 2.71 3.62 1.45 2.41 1.79
V equity 18.85 16.80 17.29 16.43 15.61 15.43 14.33 15.67 12.28 13.75 12.92 13.28 0.0
V debt 9.96 21.20 9.65 10.92 7.53 7.54 8.03 7.56 0.0 0.0 0.0 0.0 0.0
V shares 1.01 1.01 1.01 1.01 1.02 1.06 1.05 1.15 0.80 1.00 1.00 0.33 0.33
V shares_calc 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
V inventory 0.05 0.05 0.05 0.05 0.04 0.05 0.04 0.05 0.04 0.05 0.05 0.05 0.05
V payables 1.59 1.55 1.12 0.79 1.80 0.98 0.88 0.99 0.32 0.67 0.59 0.35 0.0
V receivables 1.11 0.95 0.91 0.73 1.37 0.72 0.62 0.70 0.35 0.41 0.38 0.35 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

3. Vertical Data, ratio wrt to revenue for V [show/hide charts] Current Market Price: 277.84 as of 2024-10-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
V StockMarketPrice
V revenue 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
V assets 277.15% 291.71% 343.90% 370.41% 315.85% 335.90% 370.29% 424.58% 289.88% 303.65% 305.28% 383.97% 0.0
V cash 49.88% 53.53% 68.40% 74.56% 34.11% 39.60% 53.79% 37.26% 25.35% 15.52% 18.56% 19.90% 0.0
V cashflow::operating 63.56% 64.31% 63.17% 47.79% 55.64% 62.79% 50.75% 36.96% 47.44% 56.72% 25.66% 48.07% 42.14%
V equity 118.62% 121.40% 155.94% 165.75% 150.95% 165.01% 178.45% 218.22% 215.00% 215.82% 228.14% 265.14% 0.0
V debt 62.67% 153.19% 87.02% 110.18% 72.81% 80.69% 100.05% 105.30% 0.0 0.0 0.0 0.0 0.0
V shares 6.39% 7.29% 9.08% 10.18% 9.89% 11.30% 13.05% 16.01% 14.08% 15.69% 17.66% 6.51% 7.69%
V shares_calc 6.29% 7.22% 9.02% 10.09% 9.67% 10.70% 12.46% 13.93% 17.50% 15.69% 17.66% 19.96% 23.61%
V inventory 0.31% 0.34% 0.41% 0.46% 0.44% 0.49% 0.54% 0.66% 0.72% 0.79% 0.85% 0.96% 1.09%
V payables 10.01% 11.19% 10.13% 7.95% 17.37% 10.52% 10.91% 13.82% 5.62% 10.49% 10.40% 6.90% 0.0
V receivables 7.02% 6.89% 8.16% 7.41% 13.27% 7.68% 7.75% 9.73% 6.10% 6.47% 6.78% 6.94% 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

4. Vertical Data, ratio wrt to assets for V [show/hide charts] Current Market Price: 277.84 as of 2024-10-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
V StockMarketPrice
V revenue 36.08% 34.28% 29.08% 27.00% 31.66% 29.77% 27.01% 23.55% 34.50% 32.93% 32.76% 26.04%
V assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
V cash 18.00% 18.35% 19.89% 20.13% 10.80% 11.79% 14.53% 8.77% 8.74% 5.11% 6.08% 5.18%
V cashflow::operating 22.93% 22.05% 18.37% 12.90% 17.62% 18.69% 13.71% 8.70% 16.36% 18.68% 8.40% 12.52%
V equity 42.80% 41.61% 45.34% 44.75% 47.79% 49.12% 48.19% 51.40% 74.17% 71.08% 74.73% 69.05%
V debt 22.61% 52.51% 25.31% 29.75% 23.05% 24.02% 27.02% 24.80% 0.0 0.0 0.0 0.0
V shares 2.30% 2.50% 2.64% 2.75% 3.13% 3.36% 3.52% 3.77% 4.86% 5.17% 5.78% 1.69%
V shares_calc 2.27% 2.48% 2.62% 2.72% 3.06% 3.18% 3.36% 3.28% 6.04% 5.17% 5.78% 5.20%
V inventory 0.11% 0.12% 0.12% 0.12% 0.14% 0.14% 0.15% 0.16% 0.25% 0.26% 0.28% 0.25%
V payables 3.61% 3.84% 2.95% 2.15% 5.50% 3.13% 2.95% 3.25% 1.94% 3.45% 3.41% 1.80%
V receivables 2.53% 2.36% 2.37% 2.00% 4.20% 2.29% 2.09% 2.29% 2.11% 2.13% 2.22% 1.81%
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)


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