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Overvalued
Morningstar Quantitative Rating as of 11 NOV 2026.
Quantitative Equity Rating Methodology – view here
Five-star price 327.56 Fair value 370.06 One-star price 418.07
Morningstar Quantitative Rating as of 11 NOV 2026.
Morningstar Quantitative Rating as of 11 NOV 2026. The slider runs from the five-star price (327.56) to the one-star price (418.07).
| Ratios |
|---|
| Currency (Price/reporting): USD/USD |
| Exchange Rate: 1.0000 |
| Price - closing or last bid | 423.00 |
| Price - 12 month high | 442.00 |
| Price - 12 month low | 293.90 |
| Pricing date | 10 NOV 2026 |
| Volume - avg. trading volume for the last ten days | 8.37 |
| Market capitalization | 733,849.58 |
| 12 Month High price date | 5 NOV 2026 |
| 12 Month Low price date | 1 APR 2026 |
| Volume - avg. trading volume for the last 3 months | 6.61 |
| Price - 1 Day % Change | 0.20% |
| Price - 13 week price percent change | 17.07% |
| Price - 26 week price percent change | 32.69% |
| Price - 5 Day % Change | 0.61% |
| Price - 52 week price percent change | 26.33% |
| Price - YTD price percent change | 19.62% |
| Price % Change Month To Date | 9.74% |
| EPS excluding extraordinary items - most recent fiscal year | 12.320 |
| EPS excluding extraordinary items - trailing 12 month | 12.320 |
| EPS Normalized - most recent fiscal year | 13.270 |
| Revenue/share - most recent fiscal year | 21.801 |
| Revenue/share - trailing 12 month | 21.801 |
| Book value per share - most recent fiscal year | 19.050 |
| Book value per share - most recent quarter | 19.050 |
| Book value (tangible) per share - most recent fiscal year | -6.453 |
| Book value (tangible) per share - most recent quarter | -6.453 |
| Cash per share - most recent fiscal year | 6.922 |
| Cash per share - most recent quarter | 6.922 |
| Cash Flow per share - most recent fiscal year | 20.701 |
| Cash Flow per share - trailing 12 month | 20.701 |
| Dividend per share - most recent fiscal year | 0.670 |
| Dividends per share - trailing 12 month | 2.790 |
| EBITD per share - trailing 12 month | 14.369 |
| EPS Basic excluding extraordinary items - most recent fiscal year | 12.340 |
| EPS Basic excluding extraordinary items - trailing 12 month | 12.340 |
| EPS including extraordinary items - most recent fiscal year | 12.340 |
| EPS including extraordinary items - trailing 12 month | 12.340 |
| Free Cash Flow per share - trailing 12 month | 19.907 |
| P/E excluding extraordinary items, most recent fiscal year | 34.54 |
| P/E Normalized, most recent fiscal year | 32.07 |
| Price to sales - most recent fiscal year | 19.52 |
| Price to Tangible Book - most fiscal year | — |
| Price to Free Cash Flow per Share - most recent fiscal year | 21.38 |
| Price to Cash Flow per share - trailing 12 month | 20.56 |
| Price to Book - most recent fiscal year | 22.34 |
| P/E excluding extraordinary items high, trailing 12 months | 35.44 |
| P/E excluding extraordinary items low, trailing 12 months | 26.97 |
| Net Debt, LFI | 10,066.00 |
| Net Debt, LFY | 7,988.00 |
| Dividend Yield - 5 Year Average | 0.71% |
| Dividend Yield - indicated annual dividend divided by closing price | 0.63% |
| Current Dividend Yield - Common Stock Primary Issue, LTM | 0.66% |
| Free Cash Flow - most recent fiscal year | 41,916.00 |
| LT debt/equity - most recent fiscal year | 53.60% |
| Payout ratio - most recent fiscal year | 5.44% |
| Total debt/total equity - most recent fiscal year | 61.12% |
| LT debt/equity - most recent quarter | 59.30% |
| Total debt/total equity - most recent quarter | 67.82% |
| Free Cash Flow - trailing 12 month | 41,916.00 |
| Payout ratio - trailing 12 month | 5.44% |
| Revenue - most recent fiscal year | 45,903.00 |
| Revenue - trailing 12 month | 45,903.00 |
| EBITD - most recent fiscal year | 30,254.00 |
| EBITD - trailing 12 month | 30,254.00 |
| Earnings before taxes - most recent fiscal year | 28,093.00 |
| Earnings before taxes - trailing 12 month | 28,093.00 |
| Net Income available to common - most recent fiscal year | 23,312.00 |
| Net Income available to common - trailing 12 months | 23,312.00 |
| Earnings before taxes Normalized - most recent fiscal year | 30,785.00 |
| Net Income Available to Common, Normalized - most recent fiscal year | 25,314.00 |
| Earnings per Share, Normalized, Excluding Extraordinary Items, Avg. Diluted Shares Outstanding, TTM | 13.27 |
| Net Profit Margin % - 1st historical fiscal year | 51.20% |
| Net Profit Margin % - trailing 12 month | 51.20% |
| Operating margin - 1st historical fiscal year | 65.08% |
| Operating margin - trailing 12 month | 65.08% |
| Pretax margin - trailing 12 month | 61.20% |
| Pretax margin - 1st historical fiscal year | 61.20% |
| Operating Margin - 5 year average | 66.55% |
| Pretax Margin - 5 year average | 62.91% |
| Free Operating Cash Flow/Revenue, 5 Year Average | 91.03% |
| Free Operating Cash Flow/Revenue, TTM | 91.31% |
| Net Profit Margin - 5 year average | 52.05% |
| Return on average assets - most recent fiscal year | 24.46% |
| Return on average assets - trailing 12 month | 24.46% |
| Return on average equity - most recent fiscal year | 65.00% |
| Return on average equity - trailing 12 month | 65.00% |
| Return on average assets - 5 year average | 20.25% |
| Return on average equity - 5 year average | 49.92% |
| Net Income/employee - most recent fiscal year | 675,402.30 |
| Revenue/employee - most recent fiscal year | 1,319,051.72 |
| Revenue growth rate, 5 year | 13.75% |
| EPS growth rate, 5 year | 16.96% |
| Growth rate% - dividend, 3 year | 14.19% |
| Revenue/share (5 yr growth) | 18.90% |
| Growth rate% - Revenue, 3 year | 12.02% |
| Growth rate% - EPS, 3 year | 14.16% |
| Book value per share growth rate, 5 year | 2.99% |
| Capital Spending growth rate, 5 year | 18.84% |
| Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR | 11.72% |
Financial forecast (USD, millions except per share)
| Actuals | Estimates | |||||||
| 2026 | 2027 | 2028 | 2029 | |||||
| Estimate breakdown | ||||||||
Financials (USD, millions)
| Period end: | SEP 22 | SEP 23 | SEP 24 | SEP 25 | SEP 26 |
| Fiscal year: | 2022 | 2023 | 2024 | 2025 | 2026 |
| Period length: | 12 months | 12 months | 12 months | 12 months | 12 months |
Announcements
Announcements are available for ASX-listed companies only.
Visa (V US) is a holding we have been monitoring closely through 2021 as its failed to embrace the markets strength over the last 12-months, after its 7% bounce its now feeling like an opportune to time cut our position for a small profit – we should always ask ourselves the question that if we wouldn’t consider buying a stock at this level should we still own it.
Overnight Mastercard (MA US) rallied +3.5% after delivering a strong earnings report, we don’t hold MA in our MM International Portfolio but the sentiment flowed through Visa (V US) which is only around 3% below the level where we are now considering cutting this lacklustre position.
Visa is the largest payment processor in the world. In fiscal 2025, it processed almost $17 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
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