AlgoBrute Quality
Elite
97/100 · #1 of 2 in peer cohort
Tradability
22/100
how actionable this analysis is
Hold — At $425.76 on Nov 13, the shares trade at 8.6% downside to our fair value estimate. VISA keeps a cash-flow margin of 48.1%, which leaves it internal cash to reinvest in its payments network. Measured against the bear case, the shares trade at 21.4% downside (a sizable gap), so a weaker business outcome would leave the price exposed. A sustained slowdown in revenue growth from its recent pace would change the view.
P/E percentile (fiscal year, cohort)0th
What the business is worth vs what the market charges — both from 100
Is what you'd own getting bigger?
Our estimate of VISA Inc. has compounded +21.9% a year across 4 years of filings. The business itself is adding value year after year, whatever the price does.
Business summary
What this company does
VISA runs a global card and digital payments network that processes authorization, clearing and settlement between consumers, banks and merchants across more than 200 countries and territories. It earns fees on payment activity rather than lending.
Last price
$425.76
+1.3% on Nov 13
Fair value estimate
$388.96
overvalued
fair value as of Nov 13, 2026
The price on Nov 13, $425.76, sits inside that range.
Estimate trust
Moderate confidence
A solid read on fair value — most useful read alongside the range and the Street view.
Our estimate
$389
Analyst target
$444
Analyst range: $405–$480
AlgoBrute verdict
Strong business, priced about right
Why Hold? The business scores in the top tier for quality, and the price sits inside our range.
Where it lands
Steady Compounder
Quality measures the business itself. Valuation measures whether you're paying a fair price for it. Where the two meet is this cell.
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VISA on a watchlist, an alert the day it enters its value range or changes cell, and the briefing behind the verdict: its moat, its story against the numbers, and the bear, base and bull values.
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