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Visa Inc (NYSE:V, XETRA:3V64) and Mastercard Inc (NYSE:MA) could generate a growing stream of revenue from payment tokenization as digital transactions expand and card networks charge for technology that helps secure payments and reduce fraud, according to UBS. 

Analysts estimated that tokenization-related revenue could contribute a low-single-digit percentage to total net revenue growth at both companies over the medium term, with a low-to-mid-single-digit percentage contribution to growth in their value-added services businesses. 

The analysts estimated Visa's contribution is currently moderately higher than Mastercard's, partly reflecting pricing changes Visa has recently introduced or announced. 

Tokenization replaces sensitive card details with unique digital identifiers, allowing payments to be processed without exposing the underlying card number. The technology is used across eCommerce, mobile wallets and stored payment credentials, with potential applications in emerging areas such as agentic commerce, where artificial intelligence systems initiate transactions on behalf of consumers. 

UBS said the card networks are increasingly monetizing tokenization through dedicated fees, pricing structures that favor tokenized transactions and broader digital services that incorporate token-related capabilities. 

The resulting revenue growth reflects a combination of rising card-not-present transaction volumes, greater token adoption within those transactions and pricing for the services provided. 

Many tokenization-related fees are reported within Visa's value-added services business and Mastercard's value-added services and solutions segment, although some revenue may be recognized within their core payments network businesses. 

Pricing opportunities ahead 

UBS sees scope for Visa and Mastercard to increase tokenization-related pricing as their product offerings develop and become more valuable in preventing fraud and enabling new forms of digital commerce. 

The bank's analysis includes fees already implemented or announced by the companies, as well as publicly disclosed future pricing changes. It therefore views its estimates as a conservative starting point, with additional fees or pricing increases representing potential upside. 

Visa has introduced or announced several tokenization-related fees that Mastercard has not, including fees for tokenized card-present transactions in the US and plans to expand its Digital Commerce Service Fee into Europe in 2027. 

Visa has also announced a 2027 increase to its Digital Commerce Service Fee, according to UBS. 

The analysts cautioned that rebates and incentives offered to business partners could reduce the net revenue ultimately generated from tokenization compared with the amounts implied by their framework. 

UBS described its estimates as an initial framework that may be refined as the companies provide more disclosure or pricing details. The analysis focuses specifically on the monetization of tokenization and related services, rather than attempting to capture all pricing changes or transaction-mix effects across the two payment networks. 

The findings suggest tokenization could become a more meaningful contributor to growth for both companies as digital payments expand, while providing an additional avenue for monetization beyond transaction volumes alone. 

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Hyperion Asset Management Ltd trimmed its holdings in shares of Visa Inc. (NYSE:V – Free Report) by 9.0% during the 3rd quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor owned 234,149 shares of the credit-card processor’s stock after selling 23,160 shares during the quarter. Visa accounts for approximately 2.3% of Hyperion Asset Management Ltd’s holdings, making the stock its 14th biggest holding. Hyperion Asset Management Ltd’s holdings in Visa were worth $84,137,000 as of its most recent SEC filing.

A number of other institutional investors have also recently made changes to their positions in V. Prentice Wealth Management LLC increased its position in Visa by 5.5% during the third quarter. Prentice Wealth Management LLC now owns 5,159 shares of the credit-card processor’s stock valued at $1,854,000 after acquiring an additional 269 shares during the last quarter. Climber Capital SA raised its stake in shares of Visa by 254.6% in the third quarter. Climber Capital SA now owns 2,447 shares of the credit-card processor’s stock valued at $834,000 after acquiring an additional 1,757 shares during the period. Norway Savings Bank raised its stake in shares of Visa by 6.5% in the third quarter. Norway Savings Bank now owns 3,905 shares of the credit-card processor’s stock valued at $1,403,000 after acquiring an additional 239 shares during the period. Islay Capital Management LLC lifted its holdings in shares of Visa by 11.4% in the 3rd quarter. Islay Capital Management LLC now owns 5,294 shares of the credit-card processor’s stock worth $1,902,000 after acquiring an additional 542 shares during the last quarter. Finally, Flagship Capital Management Inc. lifted its holdings in shares of Visa by 0.5% in the 3rd quarter. Flagship Capital Management Inc. now owns 22,312 shares of the credit-card processor’s stock worth $8,017,000 after acquiring an additional 110 shares during the last quarter. Institutional investors own 82.15% of the company’s stock.

Visa Trading Up 0.9% V stock opened at $406.57 on Wednesday. Visa Inc. has a 12 month low of $293.89 and a 12 month high of $408.59. The firm’s 50-day moving average is $374.46 and its 200 day moving average is $348.09. The company has a market capitalization of $725.50 billion, a PE ratio of 34.57, a P/E/G ratio of 1.89 and a beta of 0.77. The company has a debt-to-equity ratio of 0.60, a current ratio of 0.99 and a quick ratio of 0.99.

Visa (NYSE:V – Get Free Report) last released its quarterly earnings data on Tuesday, July 28th. The credit-card processor reported $3.32 earnings per share (EPS) for the quarter, beating the consensus estimate of $3.23 by $0.09. The company had revenue of $11.63 billion during the quarter, compared to analysts’ expectations of $11.40 billion. Visa had a net margin of 50.78% and a return on equity of 67.68%. The firm’s quarterly revenue was up 14.4% on a year-over-year basis. During the same period in the previous year, the company earned $2.98 EPS. On average, research analysts anticipate that Visa Inc. will post 13.22 EPS for the current year. Visa Dividend Announcement The business also recently announced a quarterly dividend, which was paid on Tuesday, September 1st. Stockholders of record on Tuesday, August 11th were given a dividend of $0.67 per share. The ex-dividend date of this dividend was Tuesday, August 11th. This represents a $2.68 dividend on an annualized basis and a dividend yield of 0.7%. Visa’s dividend payout ratio (DPR) is 22.79%.

Key Stories Impacting Visa Here are the key news stories impacting Visa this week:

Positive Sentiment: AI-driven business payments: Visa, BILL and Billtrust launched a live pilot allowing trusted AI agents to complete approved invoice payments between buyers and suppliers. The initiative could help Visa capture a larger share of business-to-business payments and replace manual processes, checks and legacy payment methods. Visa, BILL and Billtrust Launch First Live Pilot Positive Sentiment: Crypto and stablecoin expansion: Visa partnered with Mesh to enable users of participating wallets to spend crypto and stablecoin balances at more than 175 million Visa-accepting merchant locations, without a separate crypto card or manual cash-out. The arrangement could generate additional payment volume while allowing merchants to use existing Visa infrastructure. How Is Visa Turning Crypto And AI Payments Into Real World Use? Positive Sentiment: Broader commercial and international reach: Visa expanded its U.K. online merchant presence through Barclaycard’s Unified Checkout and enabled eligible fintechs to offer Visa corporate cards in more than 40 countries. These partnerships support digital-wallet adoption and cross-border payment growth. Visa Expands U.K. Merchant Reach Neutral Sentiment: Upcoming earnings catalyst: Wall Street expects Visa to report earnings growth in its upcoming quarterly release, with investors also watching for guidance and a potential annual dividend increase. The company’s prior quarter delivered revenue and earnings above consensus estimates. Visa Reports Next Week Negative Sentiment: Valuation and execution risks: Visa trades at a premium earnings multiple near all-time highs, leaving less room for an earnings or guidance disappointment. The Mesh rollout has not yet disclosed all participating wallets or launch timing, while regulatory scrutiny, merchant resistance to interchange changes and potential U.S. credit-card legislation could pressure future growth. Wall Street Analyst Weigh In A number of equities analysts recently commented on V shares. Raymond James Financial reaffirmed an “outperform” rating and set a $406.00 price target (up from $389.00) on shares of Visa in a research note on Wednesday, July 29th. Wells Fargo & Company reissued an “overweight” rating and issued a $432.00 price objective (up from $412.00) on shares of Visa in a research report on Thursday, July 30th. Loop Capital increased their price objective on shares of Visa from $387.00 to $404.00 and gave the stock a “buy” rating in a research report on Wednesday, July 29th. Citigroup reissued a “buy” rating and issued a $440.00 price objective (up from $400.00) on shares of Visa in a research note on Wednesday, July 29th. Finally, BMO Capital Markets reissued an “outperform” rating and issued a $425.00 price objective on shares of Visa in a research note on Thursday, October 15th. Three equities research analysts have rated the stock with a Strong Buy rating and thirty-four have assigned a Buy rating to the stock. According to data from MarketBeat.com, Visa has an average rating of “Buy” and a consensus price target of $426.12.

Get Our Latest Stock Report on Visa

Insider Transactions at Visa In other news, General Counsel Julie Rottenberg sold 2,028 shares of Visa stock in a transaction that occurred on Monday, August 31st. The shares were sold at an average price of $381.35, for a total transaction of $773,377.80. Following the completion of the sale, the general counsel owned 18,404 shares of the company’s stock, valued at approximately $7,018,365.40. The trade was a 9.93% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Tullier Mahon sold 57,272 shares of Visa stock in a transaction that occurred on Thursday, July 30th. The shares were sold at an average price of $364.97, for a total transaction of $20,902,561.84. Following the sale, the insider directly owned 49,662 shares of the company’s stock, valued at $18,125,140.14. This represents a 53.56% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Over the last three months, insiders have sold 78,792 shares of company stock valued at $28,863,319. 0.12% of the stock is currently owned by company insiders.

About Visa (Free Report)

Visa Inc (NYSE: V) is a global payments technology company that facilitates electronic payments between consumers, businesses, financial institutions and governments. Through its VisaNet network, the company authorizes, clears and settles transactions made with Visa-branded credit, debit and prepaid cards, while generally not issuing cards, extending credit or setting cardholder account terms.

Visa provides payment products and services for consumer, commercial and government payments, as well as digital commerce and money movement.

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The market expects Visa (V - Free Report) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended September 2026. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.

The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on October 27. On the other hand, if they miss, the stock may move lower.

While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.

Zacks Consensus EstimateThis global payments processor is expected to post quarterly earnings of $3.43 per share in its upcoming report, which represents a year-over-year change of +15.1%.

Revenues are expected to be $12.08 billion, up 12.7% from the year-ago quarter.

Estimate Revisions TrendThe consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.

Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.

Price, Consensus and EPS Surprise

Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core.

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.

A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.

Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).

How Have the Numbers Shaped Up for Visa?For Visa, the Most Accurate Estimate is higher than the Zacks Consensus Estimate, suggesting that analysts have recently become bullish on the company's earnings prospects. This has resulted in an Earnings ESP of +0.66%.

On the other hand, the stock currently carries a Zacks Rank of #3.

So, this combination indicates that Visa will most likely beat the consensus EPS estimate.

Does Earnings Surprise History Hold Any Clue?Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.

For the last reported quarter, it was expected that Visa would post earnings of $3.23 per share when it actually produced earnings of $3.32, delivering a surprise of +2.79%.

Over the last four quarters, the company has beaten consensus EPS estimates four times.

Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.

That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

Visa appears a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.

Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.

If the Visa (V +0.08%) network suddenly stopped working, the global economy wouldn't function properly. The business connects various stakeholders through its ubiquitous payments platform to facilitate commerce. It's a mission-critical link in how money moves.

The scale is unmatched, with billions of cards accepted at nearly 200 million merchants, driving trillions of dollars in payment volume. This is the result of a durable competitive moat that has driven the company's valuation to $752 billion today.

This financial stock trades in record territory, having climbed 15% in 2026 (as of Oct. 16). Investors should expect the winning streak to continue.

By 2030, I believe there's a very good probability that Visa will enter the $1 trillion club. Here's why.

Image source: The Motley Fool.

The growth is profitable and durable The first reason Visa will become a trillion-dollar stock in four years is the growth tailwind it sits atop. The world is shifting to cashless and digital payments. According to research from Bill Ackman's Pershing Square Capital Management, consumer card spending has only captured half of its total addressable market. Visa is staring at a massive opportunity ahead that can help it grow cards outstanding, merchant acceptance locations, and dollar volume.

Besides fees collected for processing transactions, value-added services have proven to be a major boost. Things like fraud detection, data analytics, and advisory solutions are material money-making activities. Revenue here jumped 36% year over year in the third quarter (ended June 30) to $3.8 billion. This segment represents 33% of the company's overall business.

All of this fuels the bottom line. Visa is one of the most profitable companies on the planet. Its net profit margin last fiscal quarter was a robust 48%. That's impressive compared to the 17% average of the S&P 500 index. This is the power of running a scaled payment platform; marginal costs are low.

According to consensus analyst estimates, Visa's earnings per share (EPS) will grow at a compound annual rate of 14% from fiscal 2025 to fiscal 2028. If that pace slows to 12% before the end of the decade, it means that in fiscal 2030, Visa's EPS could total $21.37. History suggests this is likely.

$402.92+$0.31 (+0.08%)

NYSE · As of 4:00 PM ET 10/19/26

Visa shares could get cheaper relative to earnings If Visa's valuation remained unchanged, projected EPS growth would push the market cap to $1.2 trillion in four years. And the stock's performance would mirror that bottom-line gain.

But there's a possibility that shares get cheaper relative to profits. The stock trades at a price-to-earnings ratio of 34.6. That's above its five-year average. Given that this is an elite business, I don't believe the multiple will fall below 30. At that level, its market cap in 2030 would still be well above $1 trillion.

Key Takeaways Visa integrates Unified Checkout into Barclaycard's Smartpay Fuse gateway to simplify online payments.One integration supports cards, Click to Pay, digital wallets, Pay by Link and invoicing for U.K. merchants.V's partnership could drive wider adoption of value-added services and strengthen UK merchant relationships.
Visa Inc. (V - Free Report) is expanding its merchant payment capabilities in the United Kingdom through an enhanced partnership with Barclaycard Payments. The companies announced the deployment of V’s Unified Checkout solution, which is designed to simplify online payment acceptance and help merchants improve e-commerce conversion. The agreement builds on their six-decade relationship in payments and acceptance.

Under the arrangement, Barclaycard Payments is integrating Unified Checkout into its Smartpay Fuse payment gateway. A single integration will allow merchants to accept card payments, Click to Pay and digital wallets, while also supporting Pay by Link and invoicing. Its modular, API-driven architecture allows businesses to adapt payment capabilities as customer preferences evolve, while the low-code design reduces development requirements and simplifies the addition of new services.

The move strengthens V’s value-added services portfolio by addressing a practical challenge for merchants: offering convenient payment choices without adding unnecessary technical complexity. A smoother checkout can help reduce abandoned transactions, while flexible payment options may improve customer satisfaction. For Barclaycard Payments, the integration also enhances its gateway offering, potentially making it more attractive to businesses seeking simpler payment management.

The agreement supports V’s broader strategy of expanding its role beyond transaction processing into services that deepen merchant and financial institution relationships. Embedding its technology within an established payment gateway expands Visa’s distribution opportunities and could encourage wider adoption of its value-added services among U.K. merchants.

The partnership could strengthen V’s competitive position as payment providers seek to differentiate themselves through integrated technology, security and merchant services rather than payment processing alone. If executed well, it could support additional services revenue opportunities and reinforce Visa’s merchant relationships.

How Are Competitors Faring?Some of V’s competitors in the payments space include Mastercard Incorporated (MA - Free Report) and American Express Company (AXP - Free Report) .

Mastercard is advancing digital checkout through wider adoption of Click to Pay, tokenization and biometric payment passkeys. MA’s push toward eliminating manual card entry across Europe by 2030 could improve transaction security, merchant conversion and payment efficiency.

American Express is strengthening merchant acceptance through payment gateway solutions, Click to Pay and fraud prevention tools. AXP’s network now covers more than 190 million merchant locations globally, supporting wider payment access and deeper relationships with businesses and cardholders.

Visa Inc (NYSE:V) stock hit new all-time highs this week, which is great news for investors in the credit card company. The news isn’t so good for Greg Abel, the man who succeeded Warren Buffett as CEO of Berkshire Hathaway Inc (NYSE:BRK)(NYSE:BRK).

Abel Sells Visa Stock EarlyAbel sold off the entire position in Visa stock in the first quarter of 2026, a stock that previously represented the 13th largest position in Berkshire’s investment portfolio at the end of 2025.

Berkshire Hathaway first bought Visa stock in the third quarter of 2011.

Taking the investment portfolio from 42 to 29 positions in the first quarter, Visa was one of many stocks cut in Abel’s first quarter as the CEO of the conglomerate.

Berkshire sold 8,297,460 V shares sometime in the first quarter. The filing does not disclose exactly when or at what price the sale happened; it only has to report which quarter the transaction occurred in.

Visa stock traded between $294.32 and $358.62 in the first quarter and ended the first quarter trading at $302.24 per share.

Based on the quarter’s trading range, the sale would have been between $2,441,278,681.20 and $2,975,635,105.20.

Today, the Visa position, if held, would be worth $3,264,220,764.

This means the Visa position sold in the first quarter cost Berkshire Hathaway $288.59 million to $822.94 million in profits compared with holding it now.

Read Next

Visa Stake HistoryWhile that sounds like a big miss, Abel has invested in other stocks and increased positions in other winners, which may have offset the losses from selling Visa early.

The Visa position was also a big winner for Berkshire Hathaway and sometimes the best investors take profits before the positions become losers. So in this case, Abel didn’t lose money on the Visa trade; he could have made even more if he’d held.

Berkshire Hathaway disclosed buying 2.29 million Visa shares on Nov. 14, 2011.

Over the years, Berkshire bought Visa stock nine times and sold it six times, according to data from Stock Circle.

This includes the conglomerate adding 573,000 more shares in the fourth quarter of 2011. The conglomerate then sold 2.53 million shares, or 88% of the position, in the first quarter of 2012.

The fund added to the Visa position in subsequent quarters, including a large 7.38 million-share purchase in the first quarter of 2015.

Before the recent sale, Berkshire’s last Visa transaction was selling 1.27 million shares in 2021.

Going back to the initial purchase of 2.29 million Visa shares in the third quarter of 2011. Those shares were bought at an average price between $19.81 and $23.21, adjusted for a 2015 stock split.

The shares were sold in the first quarter of 2026 in a range of $295.52 to $357.56.

This means Berkshire Hathaway made between 1,173.2% and 1,704.9% on its initial Visa shares.

Read Next

Photo by Primakov via Shutterstock

© 2026 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

Visa Inc. (NYSE:V – Get Free Report) was up 2.8% during trading on Friday. The stock traded as high as $386.84 and last traded at $385.6180. Approximately 5,815,537 shares changed hands during mid-day trading, a decline of 23% from the average session volume of 7,560,001 shares. The stock had previously closed at $375.10.

Key Headlines Impacting Visa Here are the key news stories impacting Visa this week:

Positive Sentiment: Crypto-payment expansion: Visa and Gate are launching a crypto-linked card in more than 40 markets. The card will automatically convert eligible digital assets into fiat currency at checkout, allowing users to spend crypto online and in stores wherever Visa is accepted. The partnership expands Visa’s reach into digital-asset payments and adds another potential source of transaction volume. Gate and Visa roll out crypto payment card across 40 markets Positive Sentiment: Healthy spending trends: Visa Canada reported that spending during the 2026 Toronto International Film Festival increased 12% year over year, with international visitors spending about 40% more on average than domestic cardholders. The data reinforces the recovery in travel and cross-border spending, both important growth drivers for Visa. Visa Canada data shows TIFF 2026 boosted spending across Toronto Positive Sentiment: Strong investor sentiment: Visa reached an all-time closing high, supported by its established shift from cash to digital payments, robust profitability and expectations for continued transaction growth. Analysts and high-profile investors remain broadly constructive on Visa and Mastercard despite their premium valuations. Visa Stock Closes at All-Time High Neutral Sentiment: Upcoming earnings catalyst: Visa will report fiscal fourth-quarter and full-year 2026 results on October 27 after the market closes. Investors will focus on payment volumes, cross-border growth, operating expenses and guidance to determine whether current valuation is justified. Visa to Announce Fiscal Fourth Quarter and Full-Year 2026 Financial Results Negative Sentiment: Valuation risk: Visa trades at a significant premium to the broader market, raising the risk of a pullback if payment growth slows, expenses rise or upcoming results fail to exceed elevated expectations. Some commentary also warns that AI-driven payment disruption could increase competitive pressure on banks and payment networks. Wall Street Analysts Forecast Growth Several equities research analysts recently weighed in on the stock. Bank of America increased their price objective on shares of Visa from $410.00 to $430.00 and gave the stock a “buy” rating in a research note on Wednesday, July 29th. UBS Group restated a “buy” rating and issued a $420.00 target price (up from $410.00) on shares of Visa in a research note on Wednesday, July 29th. Raymond James Financial restated an “outperform” rating and issued a $406.00 target price (up from $389.00) on shares of Visa in a research note on Wednesday, July 29th. KeyCorp upped their target price on Visa from $415.00 to $425.00 and gave the company an “overweight” rating in a report on Wednesday, July 29th. Finally, Clear Str upgraded Visa to a “strong-buy” rating in a research report on Thursday, July 16th. Three research analysts have rated the stock with a Strong Buy rating and thirty-four have issued a Buy rating to the stock. According to data from MarketBeat.com, Visa has an average rating of “Buy” and an average price target of $425.21.

Check Out Our Latest Research Report on V Visa Trading Up 2.8% The firm’s fifty day moving average price is $369.89 and its 200-day moving average price is $343.05. The company has a market cap of $688.11 billion, a price-to-earnings ratio of 32.79, a P/E/G ratio of 1.81 and a beta of 0.77. The company has a debt-to-equity ratio of 0.60, a current ratio of 0.99 and a quick ratio of 0.99.

Visa (NYSE:V – Get Free Report) last released its quarterly earnings data on Tuesday, July 28th. The credit-card processor reported $3.32 earnings per share for the quarter, topping analysts’ consensus estimates of $3.23 by $0.09. The business had revenue of $11.63 billion for the quarter, compared to analysts’ expectations of $11.40 billion. Visa had a net margin of 50.78% and a return on equity of 67.68%. The company’s revenue for the quarter was up 14.4% compared to the same quarter last year. During the same quarter last year, the company earned $2.98 EPS. On average, equities analysts expect that Visa Inc. will post 13.22 EPS for the current fiscal year.

Visa Dividend Announcement The company also recently announced a quarterly dividend, which was paid on Tuesday, September 1st. Shareholders of record on Tuesday, August 11th were given a $0.67 dividend. The ex-dividend date was Tuesday, August 11th. This represents a $2.68 annualized dividend and a yield of 0.7%. Visa’s dividend payout ratio is 22.79%.

Insider Buying and Selling at Visa In other news, CEO Ryan Mcinerney sold 5,875 shares of the business’s stock in a transaction that occurred on Thursday, October 1st. The stock was sold at an average price of $358.81, for a total transaction of $2,108,008.75. Following the completion of the transaction, the chief executive officer directly owned 15,174 shares in the company, valued at approximately $5,444,582.94. The trade was a 27.91% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Tullier Mahon sold 57,272 shares of the stock in a transaction that occurred on Thursday, July 30th. The stock was sold at an average price of $364.97, for a total value of $20,902,561.84. Following the completion of the transaction, the insider directly owned 49,662 shares of the company’s stock, valued at $18,125,140.14. This trade represents a 53.56% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last 90 days, insiders have sold 78,792 shares of company stock worth $28,863,319. 0.12% of the stock is owned by company insiders.

Institutional Inflows and Outflows Several institutional investors and hedge funds have recently modified their holdings of V. XXEC Inc. grew its position in Visa by 153,118.8% in the 2nd quarter. XXEC Inc. now owns 186,260,448 shares of the credit-card processor’s stock valued at $63,904,097,000 after buying an additional 186,138,883 shares in the last quarter. State Street Corp raised its position in shares of Visa by 0.7% during the 2nd quarter. State Street Corp now owns 82,872,209 shares of the credit-card processor’s stock worth $28,432,626,000 after buying an additional 566,194 shares in the last quarter. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC raised its position in shares of Visa by 13.0% during the 2nd quarter. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC now owns 15,720,068 shares of the credit-card processor’s stock worth $5,393,398,000 after buying an additional 1,808,496 shares in the last quarter. Dimensional Fund Advisors LP lifted its stake in shares of Visa by 3.7% in the 1st quarter. Dimensional Fund Advisors LP now owns 8,842,842 shares of the credit-card processor’s stock worth $2,672,655,000 after acquiring an additional 316,559 shares during the period. Finally, Amundi lifted its stake in shares of Visa by 16.5% in the 2nd quarter. Amundi now owns 7,714,919 shares of the credit-card processor’s stock worth $2,646,911,000 after acquiring an additional 1,092,315 shares during the period. Institutional investors own 82.15% of the company’s stock.

Visa Company Profile (Get Free Report)

Visa Inc is a global payments technology company that operates one of the world’s largest electronic payments networks. Through its VisaNet platform, the company facilitates the authorization, clearing and settlement of payment transactions between consumers, merchants, financial institutions and governments.

Visa provides payment products and services for credit, debit, prepaid and commercial transactions. Its offerings also include digital payment capabilities, tokenization, fraud prevention, risk management and other value-added services designed to support secure electronic commerce and contactless payments.

Further Reading Five stocks we like better than Visa The Grocery Shelf Battle Is Changing—Who Comes Out Ahead? 3 Unique ETFs With Strong Momentum for the End of the Year 3 Beaten-Down Biotech Stocks With Triple-Digit Upside and Big Catalysts Ahead Schneider Just Paid Up for PTC—Is the SaaSpocalypse Overdone? Receive News & Ratings for Visa Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Visa and related companies with MarketBeat.com's FREE daily email newsletter.

Visa, the global digital-payments network
V +0.23% 99

, released an AI-powered cybersecurity tool as open-source software, with shares roughly flat at $360.05, up about 0.06% at 12.49pm ET, on October 2. The goal is straightforward: help security teams find software flaws and fix them faster. For Visa, keeping payments flowing safely is central to the business.

The company's Vulnerability Agentic Harness maps code, directs multiple AI models and ranks vulnerabilities so teams can tackle the biggest threats first. It also supports repairs and checks whether fixes work, with human review at key stages. Finding a weakness is only half the job. Closing it before an attacker gets through is what counts.

Opening the code could attract more testing and improvements from outside developers. Rivals can access the tool, but copying software does not recreate Visa's network, operating experience or security expertise. The valuation picture adds another angle: the $360.05 share price sits 11.2% below the $405.48 GF Value estimate. That suggests potential upside against the model's benchmark, though stronger cybersecurity alone does not establish that the stock is undervalued.

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New Visa data shows nearly 17%1 of stablecoin-linked card volume is occurring across business and commercial card programs, underscoring growing adoption of stablecoins for settlement, treasury management and cross-border commerce.

SAN FRANCISCO & MIAMI--(BUSINESS WIRE)--Today, Visa (NYSE: V) shared new data showing the growing adoption of stablecoins across business payments and commercial card programs, underscoring how stablecoins are increasingly being used as financial infrastructure.

The findings come as businesses, financial institutions and payment providers increasingly explore stablecoins for settlement, treasury management, payouts and cross-border commerce.

New Visa data shows:

Approximately 17% of stablecoin-linked card volume in FY26 year-to-date occurred across business and commercial card programs. Visa today supports more than 160 stablecoin-linked card programs spanning consumer, business and commercial card activity. Payments volume across these programs has grown nearly 200% year over year. Businesses are increasingly exploring stablecoins for settlement, treasury management, payouts and cross-border commerce. "Businesses aren't looking for new payment technologies for the sake of innovation. They’re looking for trusted, reliable ways to move money," said Mark Nelsen, Global Head of Product, Commercial & Money Movement Solutions, Visa. "What's changing is that stablecoins are increasingly becoming part of the conversation around real business applications, from supplier payments and treasury operations to cross-border commerce."

The Shift from Trading to Payments

For years, stablecoins have been associated with trading activity within digital asset markets, helping users move between cryptocurrencies and transact on crypto exchanges.

Today, businesses are increasingly putting stablecoins to work for payments, treasury operations and liquidity management.

Recent industry research from Allium found that payments are now the fastest-growing stablecoin use case, with annual payments volume estimated between $401 billion and $527 billion. The largest business payment categories include service fees ($56 billion), payroll ($43 billion) and supplier payments ($28 billion)2. Among the payment flows analyzed, B2B payments had the highest cross-border share, with 43% of volume occurring across borders3.

Visa is seeing that trend reflected across its own ecosystem. In FY26 year-to-date, approximately 17% of stablecoin-linked card volume occurred across business and commercial card programs, reflecting growing interest in stablecoins for settlement, treasury management and cross-border commerce.

Supporting the Next Generation of Money Movement

Visa continues to expand its stablecoin capabilities across settlement, money movement and payment acceptance. Through initiatives spanning stablecoin settlement, Visa Direct pre-funding and payouts, Visa is helping connect stablecoin innovation into real-world payment flows.

About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

More News From Visa Inc.

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Key Takeaways Visa is expanding Visa Direct's reach in U.S. iGaming through AptPay's planned direct integration.AptPay's single integration simplifies payment routing and reconciliation while supporting faster payouts.U.S. iGaming revenues rose 27.6% to $10.74 billion in 2025, supporting demand for payout options. Visa Inc. (V - Free Report) is extending the reach of Visa Direct into the fast-growing U.S. iGaming payments market through AptPay’s planned direct integration. The addition of Visa Direct Alias, currently being piloted in the United States, could make payouts easier by allowing users to receive funds through identifiers, such as phone numbers, email addresses or supported wallet handles. The move strengthens Visa’s role in real-time money movement and expands its utility beyond traditional card-based transactions.

Speed and convenience are central to the opportunity. Payouts are a critical part of the gaming experience, and faster access to winnings can improve customer satisfaction while reducing friction for operators. AptPay’s single integration also helps gaming companies manage payment methods, routing, reconciliation and connectivity without building separate links to every network, potentially making payout infrastructure simpler and more efficient.

The growth of regulated online gaming provides a sizable addressable market. U.S. iGaming revenues reached $10.74 billion in 2025, up 27.6% year over year, while sports-betting revenues increased 22.8% to $16.96 billion in 2025. The article also cites research showing that 44% of U.S. online sports bettors prefer digital wallets, supporting demand for faster, wallet-based payout options such as Visa Direct Alias.

The announcement does not provide revenue, fee, volume or earnings guidance for Visa or AptPay. Still, broader Visa Direct adoption could support incremental payment volumes and transaction-related revenues as iGaming expands. While the near-term earnings contribution is unlikely to be material, rising payout activity could gradually contribute to Visa’s money-movement and services revenues.

How Are Competitors Faring?Visa’s payment space peers Mastercard Incorporated (MA - Free Report) and PayPal Holdings, Inc. (PYPL - Free Report) are also expanding their payment and money-movement capabilities, supporting faster transfers and broader digital payment use cases.

Mastercard is expanding Mastercard Move through a September 2026 tie-up with Network International in Jordan, enabling near-real-time domestic and cross-border transfers. MA continues to broaden money-movement capabilities beyond traditional payment transactions.

PayPal added Visa Account Funding Transactions to its platform in July 2026, allowing merchants to send funds directly to eligible Visa cards or accounts. PYPL combines digital wallets, merchant processing and payment services.

Visa’s Price Performance, Valuation & EstimatesVisa’s shares have risen 4.9% year to date against the industry’s 11.9% decline.

Image Source: Zacks Investment Research

From a valuation standpoint, V trades at a forward price-to-earnings ratio of 24.56, well above the industry average of 17.38. V carries a Value Score of D.

Image Source: Zacks Investment Research

The Zacks Consensus Estimate for Visa’s fiscal 2026 earnings implies a 14.7% jump from the year-ago period’s level.

Image Source: Zacks Investment Research

Visa stock currently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Key Takeaways Visa is partnering with Klook across six Southeast Asian markets to connect travel experiences with payments.Klook's platform and creator network could help Visa engage travelers before and during their trips.Visa's travel-related cross-border volume rose 10% in third-quarter fiscal 2026. Visa Inc. (V - Free Report) is strengthening its presence in Southeast Asia’s experience-led travel market through a new partnership with Klook. The companies signed a memorandum of understanding covering six markets — Singapore, Malaysia, Thailand, Indonesia, the Philippines and Vietnam — combining Klook’s travel experiences platform with Visa’s global payments network.

Under the agreement, the companies will pursue joint creator programs, cardholder offers and in-destination brand presence. Klook will also join Visa Destinations, enabling Visa cardholders to access travel experiences and related offers across the region. The partnership could expand Visa’s role in travel beyond payments by connecting cardholders with trip inspiration, experiences and offers through Klook.

The move comes as travelers increasingly prioritize experiences when planning trips. Visa’s 2026 Global Travel Intentions study found that 37% of Asia Pacific respondents plan trips around unique local experiences, compared with 29% globally. Klook’s Travel Pulse 2026 also found that more than half of Asia Pacific travelers no longer start planning with a fixed destination, while 23% begin with a specific activity.

Additionally, in the third quarter of fiscal 2026, cross-border volume excluding intra-Europe increased 12% year over year on a constant-dollar basis, while travel-related cross-border volume climbed 10%. Klook’s Kreator Program, with more than 30,000 creators across 88 markets, gives Visa another channel to engage travelers before and during their trips. If that engagement converts into bookings and in-destination spending, the partnership could support incremental payment volumes while strengthening Visa’s cardholder and merchant relationships across Southeast Asia.

How Are Competitors Faring?Some of V’s competitors in the payments space include Mastercard Incorporated (MA - Free Report) and American Express Company (AXP - Free Report) .

Mastercard is also expanding its experience-led travel presence through Klook. Their Asia-Pacific partnership will offer cardholder discounts and travel privileges while exploring new payment solutions, giving MA another avenue to deepen engagement and capture spending throughout travelers’ journeys.

American Express is taking a premium-led approach to Southeast Asian travel. Through American Express Travel, Fine Hotels + Resorts, airline benefits and lounge access, AXP is reinforcing cardholder loyalty while capturing spending around flights, stays and destination experiences across Asia.

Visa’s Price Performance, Valuation & EstimatesOver the past year, shares of Visa have risen 7.9% against the industry’s 16.9% fall.

Image Source: Zacks Investment Research

From a valuation standpoint, Visa trades at a forward price-to-earnings ratio of 24.19, well above the industry average of 17.15. V carries a Value Score of D.

Image Source: Zacks Investment Research

The Zacks Consensus Estimate for Visa’s fiscal 2026 earnings implies a 14.7% jump from the year-ago period.

Image Source: Zacks Investment Research

Visa stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Back in 2021, banks treated crypto like radioactive waste. Fast forward to 2026, and financial giant Visa (V -0.27%) isn't just dipping a toe in -- it's basically cannonballing into the deep end of the stablecoin pool.

Here's what Visa has done recently, and why it's huge for anyone holding crypto.

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1. Visa built the "operating system" for banks (VSP) In July, Visa introduced the Visa Stablecoin Platform (VSP). Think of it as a plug-and-play stablecoin toolkit for traditional banks and fintechs.

Instead of traditional institutions sweating over managing private keys, setting up multi-sig wallets, or figuring out how to mint and burn tokens, Visa handed them a slick "Wallet-as-a-Service." Starting with Open USD, an upcoming token, Visa will also support the popular USDC (USDC -0.01%) coin later this year. Banks can now hold, move, and settle stablecoins using the same enterprise-grade security tools they're already comfortable with. It's in beta testing for now, pending the Open USD launch.

Image source: The Motley Fool.

2. The credit rail hiding behind everyday card swipes Visa's newest move is an on-chain lending rail, announced on Sept. 8.

When crypto card issuers grow quickly, they face working capital crunches as they wait for cardholder funds and transactions to settle. To address this, Visa is pairing real-time VisaNet settlement data with smart contracts. This way, blockchain lenders can assess live settlement performance and extend short-term credit on the blockchain.

The early test case is Visa's work with Credit Coop, a platform that finances stablecoin-linked card programs. Since 2023, that model has supported more than $2.5 billion in cumulative settlement financing with zero defaults across participating facilities. Repayment is enforced directly from the settlement flow, and the smart contracts have handled more than 3,000 borrowing events and 9,000 repayments on-chain.

3. Visa's stablecoin ambitions are growing fast This isn't a pilot project in a sandbox anymore:

Over 160 stablecoin-linked card programs are live globally. Stablecoin-linked card payment volume is up nearly 200% year over year. Visa's stablecoin settlement volume just blew past a $20 billion annualized run rate. That's more than 15 times higher in a single year. What does this actually mean for crypto holders? Selling crypto on an exchange used to be a stressful experience. It involved waiting three days for an ACH transfer from the bank, then hoping your bank didn't freeze your account for "suspicious activity."

Things are different in 2026. You can keep your wealth in stablecoins on-chain and simply swipe a Visa card anywhere it's accepted. In short, there's less friction in moving cash between the traditional banking systems and newfangled crypto platforms.

Merchants don't even know you're using crypto. You don't have to convince your local coffee shop or airline to accept Dogecoin (DOGE +3.00%) or Bitcoin (BTC +1.19%). You spend cash-like stablecoins; Visa's infrastructure handles conversion and settlement, and the merchant receives their local fiat payment seamlessly.

Visa's on-chain analytics dashboard tracks the whole industry. It filters out all the bot-powered wash trading and still displays over $350 billion per month in genuine, organic stablecoin payment volume.

The company isn't building this crypto-based settlement service because it's a novelty. Stablecoins are quietly becoming the internet's primary settlement layer. Regulators are still writing the rules for stablecoin issuance and reserves, though, and that framework could reshape how fast this expands.

The takeaway is simple. Visa realized it can't beat public blockchains, so the company is turning them into a next-gen settlement network. For consumers, digital dollars are finally as spendable and liquid as cash in a wallet.

Key Takeaways Visa trades at 24.87X forward earnings, above its industry average but below its five-year median.VAS revenues rose to $3.8B in fiscal Q3, while stablecoin settlement topped a $20B annualized run rate.Strong cash flow supports Visa's growth, but competition and regulatory pressure may limit near-term upside. Visa Inc. (V - Free Report) currently trades at 24.87X forward 12-month earnings, above the broader industry average of 17.71X but slightly below its five-year median of 25.68X. The valuation reflects more than steady earnings growth. Investors are also paying for Visa’s ability to stay relevant as payments move across cards, digital wallets, AI-led transactions and blockchain-based systems.

For comparison, Mastercard Incorporated (MA - Free Report) trades near 25.87X forward earnings, while American Express Company (AXP - Free Report) sits at 16.66X. Visa falls between the two. It is cheaper than Mastercard, but still far from bargain territory.

Image Source: Zacks Investment Research

Visa’s Margins Remain a Key StrengthVisa runs a highly scalable network without taking on the lending risk carried by traditional banks. It earns fees for moving payments across its network, which supports strong margins. Adjusted net margin slipped to 54.1% in the third quarter of fiscal 2026 from 57.4% a year earlier, but it remains well above the industry level. That gives Visa room to convert rising payment volumes into strong earnings and cash flow.

A Network That is Hard to MatchVisa’s competitive edge comes from the scale and reach of its payments network. It connects consumers, merchants, banks and payment providers across markets worldwide. Each additional participant strengthens the usefulness of the network, making it difficult for a new entrant to match Visa’s acceptance footprint, security infrastructure and global relationships.

The company is also pushing into faster-growing areas beyond traditional card payments. Value-Added Services, or VAS, revenues rose to $3.8 billion in the third quarter of fiscal 2026 from $2.8 billion a year ago. That business adds more data, fraud prevention, advisory and payment services to Visa’s revenue mix.

Visa is also building a position in agentic commerce through Visa Intelligent Commerce. The platform allows AI agents to initiate payments using Visa credentials, while tokenization, authentication, fraud controls and agent-verification tools are designed to make those transactions safer. If AI-led shopping gains traction, Visa could benefit from both higher payment activity and greater demand for its VAS offerings.

Stablecoins are another area where Visa is securing a role early. Its stablecoin settlement volume has surpassed a $20 billion annualized run rate, up more than 15-fold year over year, while more than 160 stablecoin-linked card programs operate on its network. The recently launched Visa Stablecoin Platform supports stablecoin issuance, wallets and fiat-to-stablecoin movement. This gives Visa another way to capture payment flows even as digital assets become more widely used.

Cash Generation Supports Shareholder ReturnsVisa’s cash profile remains strong. Net cash provided by operating activities totaled $16.3 billion during the first nine months of fiscal 2026, while free cash flow reached $15.2 billion. In the fiscal third quarter alone, Visa returned $6.2 billion to shareholders through dividends and share repurchases, including $4.9 billion of buybacks. The company still had $28.4 billion available under its repurchase authorization as of June 30, 2026.

Visa Stock is Holding Up Better Than PeersOver the year to date, Visa’s stock has gained 5.6%, comfortably outpacing the industry’s 10.8% decline while the S&P 500 has jumped 11.4%. Rival Mastercard has lost 0.3%, while American Express has decreased 12.2%.

Visa YTD Price Performance Comparison Image Source: Zacks Investment Research

Analysts Still See UpsideWall Street remains constructive on Visa. The stock trades below the average analyst price target of $421.05, which points to potential upside of 14.7%. Price targets range from $330 to $466, showing that views differ on how much growth and risk are already reflected in the stock.

The optimism is reinforced by earnings expectations. For fiscal 2026, Visa’s EPS is projected at $13.16, implying a 14.7% year-over-year jump. For fiscal 2027, the estimate has moved up to $14.98, indicating another 13.8% increase. Moreover, analysts project fiscal 2026 revenues of $45.83 billion, up 14.6%, followed by $50.62 billion in fiscal 2027, implying another 10.4% increase.

Visa has topped earnings estimates in each of the past four quarters, delivering an average earnings surprise of 2.8%.

Risks to WatchVisa faces rising competition from both new and established payment systems. More and more fintech companies are building lower-cost alternatives, while real-time payment networks and upgraded bank rails continue to improve settlement speed and efficiency. More payment choices could make it harder for Visa to defend pricing over time.

Regulatory pressure is another concern. Merchants want lower costs, governments want more competition and several countries are promoting domestic payment systems. Central banks are also testing digital currencies, while regulators continue to scrutinize the Visa-Mastercard market structure. In the U.K., several banks are exploring domestic payment alternatives, adding to the risk that reliance on U.S. card networks could gradually decline.

How to Play Visa Stock Now?Visa’s strong margins, expanding VAS business, push into agentic commerce and stablecoins, and solid cash generation support its long-term growth outlook. However, the stock’s premium valuation, rising competition and regulatory pressure limit the near-term upside. With the shares already pricing in much of the company’s growth outlook, investors may prefer to wait for a more attractive entry point. Visa currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Fintech company Ant International announced Thursday it has signed on Visa and Mastercard to collaborate on a new standard for payments made via AI agents, in a bet that they will be used more and more by consumers and businesses.

In a statement, the companies cited McKinsey projections expecting AI agents will handle $3 trillion to $5 trillion of global consumer commerce by 2030. But Jiang-Ming Yang, chief innovation officer of Ant International, told CNBC that AI agents' potential for hallucination meant "we need to make sure people feel safe."

"Trust is the foundation of the AI transformation," Yang told CNBC in an interview.

Building trust in AI paymentsThe new collaboration will focus on how the payment companies can "know your agent," Ant said in the announcement, which includes building common standards that link each agent to a valid entity, assess each agent's behavior and monitor them.

It's an effort to increase interoperability for users of the different systems.

"If [an] agent registers with Ant, they don't need to register again with Visa, Mastercard," Yang said.

In the past 12 months, Visa, Mastercard and Ant International have each announced their own systems, known as protocols, for AI agents to complete payments securely.

While U.S. credit card giants Visa and Mastercard dominate transactions in developed economies, many developing economies tend to use electronic payment systems known as e-wallets. More than 50 of these e-wallets have partnered with Ant International, which runs an "Alipay+" system.

These digital wallets have also started to link to credit cards and are becoming a more common way to pay than with physical cards. Digital wallets accounted for 56% of global e-commerce value and 33% of point-of-sale value in 2025, for more than $13 trillion in spending, according to payment processing company Worldpay.

Now that technology needs to develop securely for AI-driven spending.

"Interoperability across Know-Your-Agent frameworks is essential to making agentic commerce work at scale," said Pablo Fourez, chief digital officer at Mastercard, stressing the need for a consistent way for merchants and payment processors to recognize which AI agents they can trust.

Ant International separated nearly three years ago from Hangzhou-based Ant Group, which runs the Alipay mobile payments app in mainland China.

Alipay announced Wednesday that users can set regular requests to make Starbucks orders via one of its AI features.

Users can tell the app to "buy me a Starbucks iced Americano at 10 a.m. every day," which will regularly place the order at the designated time, before prompting the user to complete the payment, according to a press release.

Users can currently also make recurring ride-hailing requests from Didi via the same Alipay AI tool.

— CNBC's Matthew Tan contributed to this report.

Visa Inc. (NYSE:V) expects millions of consumers to use AI agents to complete purchases by the 2026 holiday season. The question for investors is what happens when those agents start deciding not only what to buy, but how to pay for it.

In February, Citrini Research published a hypothetical scenario in which AI agents identified the cost attached to card transactions and shifted settlement toward cheaper stablecoin infrastructure. Visa, Mastercard Inc. (NYSE:MA), American Express Company (NYSE:AXP) and DoorDash Inc. (NYSE:DASH) fell after the report.

There is an important distinction in Visa’s case. The company does not earn the 2% to 3% interchange fee, which moves from acquirers to issuing banks. Visa says in its annual report that the fees it receives from issuers and acquirers are not derived from interchange or merchant discount rates.

The more serious bear case is that agents unbundle the payment stack. If an agent can choose a cheaper settlement rail while sourcing identity, authorization and fraud protection elsewhere, Visa loses volume without ever having collected the interchange fee.

Visa Wants To Make Its Trust Layer Harder To RemoveVisa launched Agentic Ready in Europe on March 17, then expanded it to Asia Pacific, Latin America and Canada. More than 50 issuers joined the Asia Pacific rollout alone. The program lets banks test enrollment, tokenization, authentication and transaction controls before agent-led purchases reach volume.

The strategic objective is to keep the credentials, permissions and protections surrounding an agent transaction attached to Visa’s infrastructure. Consumer caution helps that case. A Visa survey published in April found only 27% of Americans were comfortable letting an AI agent spend without limits, while 60% would not allow an agent to spend any amount without approval.

Early Tests And The Copyability ProblemIn December, Visa said it had completed hundreds of real-world agent-initiated transactions with more than 100 partners. DBS Group Holdings Ltd (OTC:DBSDF) has piloted agent-initiated purchases with Visa in Singapore, and on Aug. 19 DBS Hong Kong announced a partnership with Visa and Preface to extend that work to consumers.

For Visa, copyability cuts both ways. If no single bank can build a lasting moat around agentic features, value may migrate to the infrastructure that lets many banks deploy them. The opposite outcome is also possible: large banks could build more of the stack themselves and connect it to non-card rails. Mastercard is already there, having introduced Agent Pay for Machines in June to settle across cards, accounts and stablecoins.

Stablecoins Make Citrini’s Scenario More CredibleOn Sept. 1, 21 financial institutions including Bank of America, Citi, Goldman Sachs and Wells Fargo announced plans for a bank-issued dollar stablecoin targeting a first-half 2027 launch. The institutions on the issuing side of today’s card ecosystem are building another settlement option, and software can compare rails on every transaction in a way people do not.

Visa is hedging. It joined more than 140 companies behind the Open USD stablecoin in June and launched its own Stablecoin Platform in July. Its Intelligent Commerce Connect product, introduced in April, accepts both Visa and non-Visa cards across four agent protocols. The company appears to be preparing for a world in which the rail underneath a transaction changes while Visa still supplies the identity, tokenization and trust layer around it. That role may come with thinner economics.

What Investors Should WatchVisa enters this transition from strength. Fiscal third-quarter net revenue rose 14% to $11.6 billion, and processed transactions rose 10% to 71.7 billion. Agentic payments are far too small to move those numbers yet.

Watch how many Agentic Ready issuers move from testing into production, how quickly banks copy DBS, and whether Visa starts disclosing agent-initiated volume. The decisive evidence will come when an agent picks something other than a card. If Visa still earns on identity, authentication and orchestration in that transaction, Citrini’s scenario changes the business without displacing it. If those functions can be bought more cheaply elsewhere, the bear case gets much harder to dismiss.

Benzinga Disclaimer: This article is from an unpaid external contributor. It does not represent Benzinga’s reporting and has not been edited for content or accuracy.

© 2026 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

In the latest trading session, Visa (V - Free Report) closed at $369.08, marking a -1.6% move from the previous day. This move lagged the S&P 500's daily loss of 0.58%. On the other hand, the Dow registered a loss of 1.18%, and the technology-centric Nasdaq decreased by 0.32%.

The stock of global payments processor has risen by 3.81% in the past month, leading the Business Services sector's loss of 1.01% and the S&P 500's loss of 0.36%.

Investors will be eagerly watching for the performance of Visa in its upcoming earnings disclosure. It is anticipated that the company will report an EPS of $3.43, marking a 15.1% rise compared to the same quarter of the previous year. Meanwhile, the latest consensus estimate predicts the revenue to be $12.07 billion, indicating a 12.56% increase compared to the same quarter of the previous year.

For the full year, the Zacks Consensus Estimates are projecting earnings of $13.16 per share and revenue of $45.83 billion, which would represent changes of +14.73% and +14.58%, respectively, from the prior year.

Investors might also notice recent changes to analyst estimates for Visa. These revisions typically reflect the latest short-term business trends, which can change frequently. As a result, we can interpret positive estimate revisions as a good sign for the business outlook.

Our research shows that these estimate changes are directly correlated with near-term stock prices. To utilize this, we have created the Zacks Rank, a proprietary model that integrates these estimate changes and provides a functional rating system.

The Zacks Rank system, ranging from #1 (Strong Buy) to #5 (Strong Sell), possesses a remarkable history of outdoing, externally audited, with #1 stocks returning an average annual gain of +25% since 1988. Over the last 30 days, the Zacks Consensus EPS estimate has moved 0.13% higher. Right now, Visa possesses a Zacks Rank of #3 (Hold).

With respect to valuation, Visa is currently being traded at a Forward P/E ratio of 28.5. This denotes a premium relative to the industry average Forward P/E of 13.56.

One should further note that V currently holds a PEG ratio of 2.01. The PEG ratio bears resemblance to the frequently used P/E ratio, but this parameter also includes the company's expected earnings growth trajectory. As of the close of trade yesterday, the Financial Transaction Services industry held an average PEG ratio of 0.87.

The Financial Transaction Services industry is part of the Business Services sector. This industry, currently bearing a Zacks Industry Rank of 184, finds itself in the bottom 26% echelons of all 250+ industries.

The Zacks Industry Rank is ordered from best to worst in terms of the average Zacks Rank of the individual companies within each of these sectors. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.

Keep in mind to rely on Zacks.com to watch all these stock-impacting metrics, and more, in the succeeding trading sessions.

Artificial intelligence may be changing where consumers decide what to buy before it changes where they pay for it.

“We are seeing adoption for shopping, but not yet for autonomous payments,” Visa CEO Ryan McInerney said Tuesday (Sept. 8) at the Goldman Sachs Communacopia + Technology Conference.

Consumers are using large language models and other platforms to compare products, shop and identify items, McInerney said, but are still moving to sellers’ websites to complete transactions. Getting beyond that point presents a trust problem on both sides. Sellers need to know that agents entering their sites are legitimate and have been empowered by consumers to transact. Consumers have to trust agents with their money and financial information.

“The barrier to that, if I had to describe it in one word, would be trust,” McInerney stated during the appearance at the conference.

He said three-quarters of consumers surveyed didn’t trust agentic platforms to make payments autonomously with their money and financial information. When asked whether they would trust an agent to make payments if Visa were involved, 61% said yes. McInerney said that figure exceeded 70% among consumers who use LLMs at least weekly.

Fraud prevention is also moving further upstream. McInerney said Visa has traditionally provided banks and merchants with tools to identify transaction fraud, while clients are now seeking products that address identity risk before it results in a fraudulent transaction.

“Identity has become a critical area of vulnerability,” he said in discussing Visa’s planned BioCatch acquisition. McInerney said BioCatch can help clients protect identities on mobile devices before identity theft leads to a fraudulent transaction.

Cybersecurity ranks among the most pressing issues McInerney hears from financial institutions, which he called a “top 3 issue” for every client he talks to around the world. Visa is also applying newer AI tools internally. McInerney said its teams are producing 80% more code commits, reducing the time required to design and build a product by 80% and developing features 65% faster.

Tokens Give Payment Networks Another Route to Customers Tokens are also giving Visa a way to distribute services beyond the payment credential itself.

“As we’ve scaled our tokens around the world, that gives us a distribution platform for more risk-and-identity solutions, as well as transaction solutions,” McInerney said.

He said Visa has captured only a “very low single digits” share of the addressable markets it sees across issuer services, acceptance, risk and identity, and advisory. Global credential growth has been running at roughly 6% to 7%-plus, which McInerney said helps fuel further growth in issuing revenue.

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Processing represents another part of that expansion. McInerney said two issues drove Visa’s decision to acquire Pismo. Many bank CEOs were deciding whether to move their technology to the cloud, while FinTechs expanding rapidly into emerging markets and other countries were struggling to find issuer-processing technology capable of expanding with them.

“They couldn’t find an issuer processing stack that was global enough, nimble enough, and cloud-native,” he said.

In the U.S., McInerney said Visa sees a market among small and mid-sized banks and FinTechs seeking integrated credit and debit issuer processing. He expects the largest, more sophisticated issuers to continue operating customized credit and debit stacks separately. Visa is also encountering demand for integrated issuer processing outside the U.S.

Core modernization has proceeded more slowly. McInerney said few large banks globally have moved their cores to the cloud, although many are considering or working on such moves. Cloud-based cores, he said, can make banks more agile and allow them to deploy products more quickly.

The scope of issuer negotiations reflects that broader set of products. McInerney said issuers are looking beyond consumer payments to commercial payments, Visa Direct, value-added services and processing, including issuer and core technology.

Money movement adds another set of markets. McInerney put the remaining addressable market in consumer payments at roughly $2 trillion, much of it still represented by cash and checks in markets around the world. Visa Direct, he said, reaches 18 billion endpoints across accounts, cards and wallets and supports P2P, B2C and C2B transactions. He also identified higher-value cross-border B2B payments as an opportunity.

Stablecoins could serve some of those cross-border use cases. McInerney said Visa sees product-market fit in two areas. One is what he described as probably 50 countries where consumers, families and businesses have wanted to hold U.S. dollars but have faced cost, availability or other barriers to doing so through bank accounts. The second is cross-border money movement, including remittances and B2B payments.

The newer businesses are developing against consumer spending that McInerney described as showing “strength and stability.” He said Visa’s U.S. business has grown roughly 6% to 8% for about a year and a half, reached 10% growth in the latest quarter and was running at approximately 9% through August. Cross-border growth accelerated from about 12% in the previous quarter to 14% through August, with eCommerce continuing to grow faster than travel.

Competition also extends beyond other global payment networks. McInerney said payment sovereignty has become a more prominent subject in Europe, where domestic card networks and digital wallets already compete with international networks and Wero is developing another European alternative.

“The market is competitive, and it’ll get more competitive,” he said.

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TOKYO and NEW YORK, Sept. 02, 2026 (GLOBE NEWSWIRE) -- Advasa Holdings, Inc. (Nasdaq: ADBT) (“ADVASA” or the “Company”), a fintech payment holding company providing Earned Wage Access (“EWA”) and next-generation financial infrastructure solutions through its Japanese operating subsidiary ADVASA Co., Ltd., today announced a significant upgrade to its existing ADVASA Visa card: it now features seamless payment functionality using USD Coin (“USDC”), alongside traditional fiat currency.

This new capability expands upon ADVASA’s robust payment infrastructure and its proprietary FUKUPE EWA platform. Designed to provide employees with instant, on-demand access to their earned wages before the standard payday, FUKUPE connects earned wage access to a flexible suite of disbursement channels—including bank accounts, supported prepaid cards, and digital wallets. Integrating USDC payments into the ADVASA Visa card represents a strategic evolution of the Company’s financial technology ecosystem, broadening the choice and flexibility available to its users.

ADVASA also believes that the continued expansion of digital payment options has the potential to contribute to greater financial inclusion. According to the World Bank’s Global Findex 2025, approximately 1.3 billion adults worldwide remain without a financial account, while approximately 900 million of those adults own a mobile phone.[1] The Company believes that expanding access to digital payment options, including the ability to use USDC alongside traditional fiat currency, may provide additional pathways to payment services for financially underserved populations, particularly in markets where access to traditional financial infrastructure remains limited.

Looking ahead, ADVASA also plans to explore potential opportunities in the real-world assets (“RWA”) sector. While changing the way people access and receive their earned wages remains central to ADVASA’s mission, the Company sees potential opportunities in RWA as a natural extension of its financial technology and payment infrastructure. The asset tokenization market has been projected to reach approximately $18.9 trillion by 2033, underscoring the potential scale of this emerging sector.[2] ADVASA intends to consider how its existing technologies and experience in expanding financial access could potentially be applied to this evolving market.

“The addition of USDC payment functionality to the ADVASA Visa card represents another step in expanding the payment capabilities available through our platform,” said Grady Ryther, Chief Executive Officer of Advasa Holdings, Inc. “As the digital payments landscape continues to evolve, we intend to further enhance our payment capabilities while also exploring potential opportunities in the RWA sector that may complement our broader financial technology ecosystem.”

About ADVASA
Advasa Holdings, Inc. (corporate website: https://adbt.io/) is a fintech payment holding company established in Delaware conducting operations through its Japanese subsidiary ADVASA Co., Ltd. headquartered in Tokyo, Japan (corporate website: https://www.advasa.co.jp/en/, Founder and Representative Director: Asamitsu Kosugi). ADVASA operates “FUKUPE,” an EWA platform that allows employees to receive wages they have already earned in real time. Leveraging a global patent strategy, the Company has established an intellectual property foundation across markets including Japan, the United States, South Korea, and Singapore. By integrating seamlessly with major HR and payroll systems as well as diverse payment infrastructures (such as bank transfers and e-wallets), ADVASA plans to expand from Japan into global markets—including Indonesia and the UAE where the need for financial inclusion is rapidly growing.

Forward-Looking Statements
Certain statements in this announcement are forward-looking statements. All statements other than statements of historical fact are forward-looking statements. These forward-looking statements involve known and unknown risks and uncertainties and are based on the Company’s current expectations and projections about future events that the Company believes may affect its financial condition, results of operations, business strategy and financial needs.

These forward-looking statements include, but are not limited to, statements regarding the Company’s plans and expectations concerning its payment-related financial technology capabilities, digital payment infrastructure, the future utility of digital assets, the potential contribution of expanded digital payment functionality to financial inclusion, the Company’s consideration and exploration of potential opportunities involving RWA and RWA-related technologies and services, and the continued development and expansion of its products and services. Such forward-looking statements are subject to risks and uncertainties, including changes in laws and regulations applicable to digital assets, stablecoins, and RWA, technological and cybersecurity risks, market conditions, and general economic, industry and regulatory conditions in the United States and internationally. Investors can identify these forward-looking statements by words or phrases such as “may,” “could,” “will,” “should,” “would,” “expect,” “plan,” “aim,” “intend,” “anticipate,” “believe,” “estimate,” “predict,” “likely,” “potential,” “project,” or “continue,” or the negative of these terms or other comparable terminology. The Company undertakes no obligation to publicly update or revise any forward-looking statements to reflect subsequent events or circumstances, except as required by law.

Although the Company believes that the expectations expressed in these forward-looking statements are reasonable, it cannot guarantee that such expectations will prove correct. Investors are encouraged to review the risks, uncertainties and other factors that may affect the Company’s future results identified in the Company’s registration statement on Form S-1, as amended (File No. 333-292013), declared effective by the SEC on August 11, 2026, the Company’s Form 10-Q for the quarter ended June 30, 2026 filed with the SEC on August 12, 2026, and subsequent disclosure documents the Company may file with the SEC. The Company claims the protection of the Safe Harbor contained in the Private Securities Litigation Reform Act of 1995 for forward-looking statements.

Contacts:
ADVASA Investor Relations Email: [email protected]
Website: https://adbt.io/
X: @AdvasaHoldings (https://x.com/AdvasaHoldings)

References
[1] World Bank, Global Findex 2025. Available at: https://digitalfinance.worldbank.org/
[2] Ripple and Boston Consulting Group (BCG), Approaching the Tokenization Tipping Point, April 2025. Available at: https://media-publications.bcg.com/Tokenized-Assets.pdf

Visa
V +3.06% 99

, the world's largest electronic-payments network, surged roughly 2.4% to $380.2511 Monday afternoon as financial stocks pulled the Dow higher. The shares hit $381.91 during the session, punching deeper into record territory while the Nasdaq stumbled.

The numbers explain the confidence. Fiscal third-quarter revenue jumped 14% to $11.6 billion, while adjusted net income landed at $6.3 billion. Payments volume rose 10%. Processed transactions rose 10%. Cross-border volume excluding Europe climbed another 12%. More spending, more transactions, more fees flowing through Visa's machine.

Visa does not need expensive factories or billion-dollar bets on the next chip cycle. It gets paid whenever money moves across its network. The chart shows the stock trading 9.95% below its $422.27 GF Value estimate, suggesting room beyond the latest record run. But at roughly 32 times earnings, perfection is already expensive—and weaker consumer spending or tougher merchant-fee regulation could quickly test that premium.

Check the Warning Signs for

V

now!

Algebris UK Ltd. bought a new stake in shares of Visa Inc. (NYSE:V – Free Report) in the 2nd quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund bought 23,906 shares of the credit-card processor’s stock, valued at approximately $8,176,000.

A number of other hedge funds and other institutional investors have also added to or reduced their stakes in V. Vanguard Group Inc. grew its stake in shares of Visa by 0.7% during the 4th quarter. Vanguard Group Inc. now owns 160,975,832 shares of the credit-card processor’s stock valued at $56,455,834,000 after acquiring an additional 1,054,343 shares during the period. State Street Corp boosted its position in shares of Visa by 0.8% in the fourth quarter. State Street Corp now owns 82,798,151 shares of the credit-card processor’s stock worth $29,038,140,000 after purchasing an additional 626,821 shares during the period. Geode Capital Management LLC boosted its position in shares of Visa by 0.9% in the fourth quarter. Geode Capital Management LLC now owns 44,042,586 shares of the credit-card processor’s stock worth $15,411,395,000 after purchasing an additional 388,996 shares during the period. Price T Rowe Associates Inc. MD increased its stake in shares of Visa by 1.8% in the fourth quarter. Price T Rowe Associates Inc. MD now owns 41,092,294 shares of the credit-card processor’s stock worth $14,411,480,000 after purchasing an additional 716,218 shares in the last quarter. Finally, Bank of America Corp DE increased its stake in shares of Visa by 1.7% in the fourth quarter. Bank of America Corp DE now owns 23,835,336 shares of the credit-card processor’s stock worth $8,359,291,000 after purchasing an additional 398,459 shares in the last quarter. 82.15% of the stock is owned by hedge funds and other institutional investors.

Analysts Set New Price Targets A number of research firms recently weighed in on V. Robert W. Baird lifted their target price on shares of Visa from $412.00 to $420.00 and gave the company an “outperform” rating in a research note on Wednesday, July 29th. Royal Bank Of Canada reiterated an “outperform” rating and issued a $412.00 price target (up from $395.00) on shares of Visa in a research note on Wednesday, July 29th. Piper Sandler reissued an “overweight” rating and set a $430.00 price target (up from $394.00) on shares of Visa in a report on Wednesday, July 29th. Clear Str upgraded Visa to a “strong-buy” rating in a research report on Thursday, July 16th. Finally, BNP Paribas Exane raised Visa to a “strong-buy” rating in a research note on Tuesday, July 21st. Seven research analysts have rated the stock with a Strong Buy rating and twenty-four have assigned a Buy rating to the stock. According to MarketBeat, the stock has an average rating of “Buy” and an average target price of $413.58.

Check Out Our Latest Stock Analysis on V Visa Price Performance V stock opened at $366.31 on Friday. The company has a debt-to-equity ratio of 0.60, a quick ratio of 0.99 and a current ratio of 0.99. The company’s fifty day moving average price is $352.75 and its 200-day moving average price is $329.35. Visa Inc. has a one year low of $293.89 and a one year high of $373.97. The company has a market capitalization of $653.65 billion, a PE ratio of 31.15, a price-to-earnings-growth ratio of 1.96 and a beta of 0.74.

Visa (NYSE:V – Get Free Report) last posted its earnings results on Tuesday, July 28th. The credit-card processor reported $3.32 earnings per share for the quarter, beating the consensus estimate of $3.23 by $0.09. The company had revenue of $11.63 billion during the quarter, compared to analysts’ expectations of $11.40 billion. Visa had a net margin of 50.78% and a return on equity of 67.68%. Visa’s quarterly revenue was up 14.4% on a year-over-year basis. During the same period last year, the company posted $2.98 earnings per share. On average, equities analysts anticipate that Visa Inc. will post 13.16 EPS for the current fiscal year.

Visa Announces Dividend The business also recently disclosed a quarterly dividend, which will be paid on Tuesday, September 1st. Shareholders of record on Tuesday, August 11th will be issued a dividend of $0.67 per share. This represents a $2.68 annualized dividend and a dividend yield of 0.7%. The ex-dividend date of this dividend is Tuesday, August 11th. Visa’s dividend payout ratio is 22.79%.

Visa announced that its board has initiated a share buyback plan on Tuesday, April 28th that allows the company to buyback $20.00 billion in outstanding shares. This buyback authorization allows the credit-card processor to reacquire up to 3.6% of its shares through open market purchases. Shares buyback plans are typically an indication that the company’s leadership believes its shares are undervalued.

Insider Activity In related news, CEO Ryan Mcinerney sold 20,970 shares of the business’s stock in a transaction dated Monday, June 29th. The stock was sold at an average price of $340.25, for a total value of $7,135,042.50. Following the sale, the chief executive officer directly owned 15,174 shares in the company, valued at approximately $5,162,953.50. The trade was a 58.02% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, General Counsel Julie B. Rottenberg sold 2,027 shares of the stock in a transaction that occurred on Thursday, July 2nd. The shares were sold at an average price of $360.00, for a total value of $729,720.00. Following the transaction, the general counsel directly owned 18,404 shares of the company’s stock, valued at approximately $6,625,440. The trade was a 9.92% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold a total of 90,759 shares of company stock worth $32,375,779 over the last 90 days. Corporate insiders own 0.12% of the company’s stock.

Visa Company Profile (Free Report)

Visa Inc is a global payments technology company that facilitates electronic funds transfers and digital commerce by connecting consumers, merchants, financial institutions and governments. The firm operates one of the world’s largest payment networks, providing processing, authorization, clearing and settlement services for credit, debit and prepaid card transactions. Visa’s network-based model enables partner banks and other issuers to offer branded payment products while Visa focuses on the infrastructure, standards and technologies that move money securely and efficiently around the world.

Visa’s product and service portfolio includes card-based payment products for consumers and businesses, real-time push-payment capabilities, tokenization and authentication services, fraud and risk-management tools, data analytics and APIs for fintech and merchant integration.

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Bill Ackman, founder and CEO of Pershing Square Inc., attends his company’s IPO at the New York Stock Exchange (NYSE), in New York City, U.S., April 29, 2026. REUTERS/Brendan McDermid Purchase Licensing Rights, opens new tab

SummaryCompaniesNew holdings also include Alcon, Intercontinental Exchange and S&P GlobalAckman says shares were acquired from second quarter for funds including Pershing Square USABelieves new additions are set for strong growthNEW YORK, Aug 13 (Reuters) - Bill Ackman unveiled six ​new holdings including Netflix (NFLX.O), opens new tab, Visa (V.N), opens new tab and Mastercard (MA.N), opens new tab, marking the billionaire investor's biggest portfolio overhaul in years.

Ackman said ‌on Thursday he acquired shares starting in the second quarter that will be held in his investment funds including his newest offering Pershing Square USA , which was listed on the New York Stock Exchange in April.

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Along with Netflix, which Ackman held briefly in 2022 before selling at ​a loss, his funds are also investing in eye care firm Alcon , exchange operator Intercontinental Exchange (ICE.N), opens new tab and financial ​data provider S&P Global (SPGI.N), opens new tab.

Ackman said he believes the firms' earnings are poised for strong growth, which ⁠he views as the greatest driver of investment value over time.

Ackman, whose stock picks are closely tracked by professional ​investors and his 2.7 million followers on social media platform X, this year added Microsoft to the portfolio after its stock ​price dropped following an earnings report, arguing that the software giant would rebound when investors acknowledged its investments in artificial intelligence. Microsoft has since bounced back, thanks in part to outsize gains following its latest earnings report.

RECENT CHALLENGESThe new additions mark the biggest overhaul in years for Ackman’s portfolio, ​which traditionally owns no more than a dozen companies.

Ackman's funds have performed strongly over the long haul but have ​faced challenges recently. Through July, Pershing Square USA was down 3.5% for the year and London-listed Pershing Square Holdings (PSHP.L), opens new tab was down 9.2%, compared ‌with ⁠a 13% gain for the S&P 500 (.SPX), opens new tab.

In addition to Microsoft, Ackman's portfolio includes Uber Technologies, Meta Platforms, Amazon.com, Fannie Mae and Freddie Mac, among others.

Ackman is expected to discuss the investments on an analyst call later on Thursday.

On Friday, the new names will likely show up in 13-F filings, required by the Securities and Exchange Commission of fund managers with ownership ​stakes in U.S. companies at ​the end of the previous ⁠quarter. The reports are closely tracked by investors for hints on trends.

This has been a busy year for Ackman. The fund manager listed both his hedge fund and his new ​stock picking fund Pershing Square USA on the New York Stock Exchange, exited his estimated $1.5 ​billion position in ⁠Universal Music Group after the company that represents Taylor Swift and Bad Bunny rejected his $65 billion takeover bid -- and turned 60 years old.

While Ackman began as one of Wall Street’s most voluble activists, pushing for improved performance at companies ranging from Canadian Pacific ⁠Railway ​to Chipotle Mexican Grill, he prefers to be known as a value ​investor who has good ideas that corporate management teams want to hear about.

Four years ago Ackman said he was retiring his noisy tactics and adopting ​a quieter approach, characterized by cordial interactions with management teams.

Reporting by Svea Herbst-Bayliss, additional reporting by Colin Barr Editing by Keith Weir

Our Standards: The Thomson Reuters Trust Principles., opens new tab

Key Takeaways Visa is combining Pismo and DPS to expand modern issuer-processing solutions for banks and fintechs.Visa plans to pilot DPS Full Service Credit in the fourth quarter of fiscal 2026 with its first U.S. client.Pismo has entered 19 new markets, helping financial institutions modernize core banking and move to the cloud. Visa Inc. (V - Free Report) is focusing on deepening its role in banking infrastructure as it combines the capabilities of Pismo and DPS to address growing demand for modern issuer-processing solutions. The strategy could help Visa expand relationships with smaller and midsized banks and fintechs, giving it a greater role in the technology infrastructure that supports everyday banking.

Pismo provides a cloud-native, API-based platform covering products including debit, credit, commercial payments and current accounts, while DPS remains a leading U.S. debit issuer-processing platform. V is expanding these capabilities with DPS Full Service Credit, an integrated credit issuer-processing solution combining Visa, DPS and Pismo for fintechs and small to midsized banks. The company plans to pilot the solution in the fourth quarter of fiscal 2026 with its first U.S. client, with general availability expected next year.

Visa is also using Pismo to help financial institutions modernize their core banking platforms and migrate to the cloud. The platform has entered 19 new markets since its acquisition, with demand coming from clients of different sizes for both issuer processing and core banking services. This broader reach could allow V to become more deeply embedded in clients’ technology stacks and expand its presence across the banking ecosystem.

Still, the strategy is a longer-term growth play rather than an immediate revenue catalyst. Visa focuses on strengthening client relationships, expanding its product footprint and addressing evolving technology needs. If adoption builds across banks and fintechs, the platform could give V another avenue to diversify revenues while reinforcing its position across the financial-services ecosystem.

How Are Competitors Faring?Some of V’s competitors in the fintech space include Mastercard Incorporated (MA - Free Report) and PayPal Holdings, Inc. (PYPL - Free Report) .

Mastercard is deepening its role in banking infrastructure through switching, reaching 72% penetration and providing switching technology for the UAE’s domestic payments infrastructure. MA also won several hundred issuer flips and deal expansions in the first half of 2026, supporting longer-term network and services growth.

PayPal is focused on modernizing its payment ecosystem through cloud-based technology, AI-driven commerce tools and faster checkout solutions. PYPL continues to expand Venmo, strengthen merchant capabilities and integrate AI-powered features, positioning itself to benefit from rising digital-payment activity across online, mobile and omnichannel commerce.

Visa’s Price Performance, Valuation & EstimatesOver the past year, shares of Visa have gained 7.3%, outperforming the industry’s 12.3% fall.

Image Source: Zacks Investment Research

From a valuation standpoint, V trades at a forward price-to-earnings ratio of 24.59, well above the industry average of 18.64. V carries a Value Score of D.

Image Source: Zacks Investment Research

The Zacks Consensus Estimate for Visa’s fiscal 2026 earnings implies a 14.7% jump from the year-ago period.

Image Source: Zacks Investment Research

Visa stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Posted by Defense World Staff on Aug 5th, 2026

BDF Gestion decreased its position in shares of Visa Inc. (NYSE:V – Free Report) by 10.1% in the 2nd quarter, according to its most recent 13F filing with the SEC. The firm owned 32,123 shares of the credit-card processor’s stock after selling 3,612 shares during the quarter. Visa makes up 1.4% of BDF Gestion’s investment portfolio, making the stock its 13th largest position. BDF Gestion’s holdings in Visa were worth $11,021,000 at the end of the most recent quarter.

Other large investors have also added to or reduced their stakes in the company. Brighton Jones LLC lifted its position in Visa by 50.1% during the fourth quarter. Brighton Jones LLC now owns 20,635 shares of the credit-card processor’s stock valued at $6,522,000 after purchasing an additional 6,883 shares during the last quarter. Revolve Wealth Partners LLC boosted its stake in Visa by 68.9% in the fourth quarter. Revolve Wealth Partners LLC now owns 11,811 shares of the credit-card processor’s stock worth $3,733,000 after buying an additional 4,817 shares in the last quarter. Nicholas Hoffman & Company LLC. boosted its stake in Visa by 4.6% in the first quarter. Nicholas Hoffman & Company LLC. now owns 10,941 shares of the credit-card processor’s stock worth $3,834,000 after buying an additional 477 shares in the last quarter. Matrix Asset Advisors Inc. NY grew its position in Visa by 16.9% during the second quarter. Matrix Asset Advisors Inc. NY now owns 1,133 shares of the credit-card processor’s stock valued at $402,000 after acquiring an additional 164 shares during the last quarter. Finally, Schnieders Capital Management LLC. grew its position in Visa by 13.8% during the second quarter. Schnieders Capital Management LLC. now owns 18,367 shares of the credit-card processor’s stock valued at $6,521,000 after acquiring an additional 2,230 shares during the last quarter. Institutional investors own 82.15% of the company’s stock.

Insider Transactions at Visa In related news, CFO Chris Suh sold 10,639 shares of the company’s stock in a transaction that occurred on Tuesday, May 12th. The stock was sold at an average price of $324.81, for a total value of $3,455,653.59. Following the sale, the chief financial officer owned 9,872 shares in the company, valued at $3,206,524.32. This represents a 51.87% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, General Counsel Julie B. Rottenberg sold 2,027 shares of Visa stock in a transaction dated Thursday, July 2nd. The shares were sold at an average price of $360.00, for a total value of $729,720.00. Following the transaction, the general counsel owned 18,404 shares of the company’s stock, valued at $6,625,440. The trade was a 9.92% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last three months, insiders sold 101,398 shares of company stock worth $35,831,433. 0.12% of the stock is owned by company insiders.

Key Headlines Impacting Visa Here are the key news stories impacting Visa this week:

Positive Sentiment: BioCatch acquisition strengthens Visa’s cybersecurity strategy. Visa will acquire the behavioral-intelligence provider to detect account takeovers, scams, money-mule activity and application fraud before transactions reach the payment network. BioCatch analyzes keystrokes, touchscreen behavior, device handling and other signals, potentially improving fraud detection and reducing false declines for banks and merchants. The deal also supports Visa’s faster-growing Value-Added Services business and could create recurring, network-agnostic software revenue. Visa to buy cybersecurity firm BioCatch for $2.4 billion amid surge in AI-powered scams Positive Sentiment: Stablecoin usage is expanding across Visa’s network. Western Union and Rain launched a stablecoin-based product that allows users to hold dollar value and spend it at Visa merchants and ATMs. Broader adoption could increase payment volume and reinforce Visa’s role as an important bridge between digital assets, consumers and traditional commerce. Western Union and Rain Take Stablecoins Mainstream Across Visa Network Positive Sentiment: Visa data highlighted strong event-driven spending. Card-present spending in Toronto and Vancouver rose as much as 24.6% and 12.7%, respectively, during FIFA World Cup 2026 matchdays versus the comparable 2025 period. While temporary, the results demonstrate Visa’s ability to facilitate international tourism and concentrated commerce during major events. Visa data shows FIFA World Cup 2026 drove spending lift in Canada’s host cities Neutral Sentiment: Visa also announced sponsorship and partnership initiatives, including official payment-partner status for Maroon 5’s 2027 Asia tour and expanded commercial-credit capabilities through partners Thredd and Pliant. These announcements support brand visibility and payments adoption but are unlikely to materially affect near-term earnings. Negative Sentiment: The BioCatch transaction requires a substantial $2.4 billion cash outlay, and its financial benefit depends on successful integration and cross-selling. Investors may also weigh recent insider selling, with several Visa executives selling shares and no reported purchases over the past six months, although such activity can reflect scheduled compensation or portfolio decisions. Visa Stock Performance Shares of Visa stock opened at $369.60 on Wednesday. The stock’s fifty day moving average price is $342.69 and its 200-day moving average price is $326.21. Visa Inc. has a 12 month low of $293.89 and a 12 month high of $373.97. The company has a current ratio of 0.99, a quick ratio of 0.99 and a debt-to-equity ratio of 0.60. The firm has a market cap of $662.97 billion, a P/E ratio of 31.43, a P/E/G ratio of 1.97 and a beta of 0.74.

Visa (NYSE:V – Get Free Report) last released its quarterly earnings results on Tuesday, July 28th. The credit-card processor reported $3.32 EPS for the quarter, beating the consensus estimate of $3.23 by $0.09. Visa had a net margin of 50.78% and a return on equity of 67.68%. The business had revenue of $11.63 billion during the quarter, compared to analyst estimates of $11.40 billion. During the same period in the prior year, the firm posted $2.98 earnings per share. The company’s quarterly revenue was up 14.4% on a year-over-year basis. On average, equities research analysts expect that Visa Inc. will post 13.13 earnings per share for the current fiscal year.

Visa announced that its board has initiated a stock buyback program on Tuesday, April 28th that permits the company to repurchase $20.00 billion in outstanding shares. This repurchase authorization permits the credit-card processor to repurchase up to 3.6% of its stock through open market purchases. Stock repurchase programs are often an indication that the company’s management believes its stock is undervalued.

Visa Announces Dividend The business also recently disclosed a quarterly dividend, which will be paid on Tuesday, September 1st. Stockholders of record on Tuesday, August 11th will be paid a dividend of $0.67 per share. This represents a $2.68 annualized dividend and a dividend yield of 0.7%. The ex-dividend date is Tuesday, August 11th. Visa’s payout ratio is presently 22.79%.

Wall Street Analyst Weigh In A number of equities research analysts have recently weighed in on the stock. BNP Paribas Exane upgraded shares of Visa to a “strong-buy” rating in a report on Tuesday, July 21st. Wolfe Research reaffirmed an “outperform” rating and issued a $435.00 target price (up from $430.00) on shares of Visa in a research report on Wednesday, July 29th. Weiss Ratings raised Visa from a “buy (b-)” rating to a “buy (b)” rating in a research note on Thursday, July 30th. Barclays initiated coverage on shares of Visa in a research report on Tuesday, July 7th. They issued an “overweight” rating and a $420.00 target price for the company. Finally, Raymond James Financial reissued an “outperform” rating and issued a $406.00 target price on shares of Visa in a report on Wednesday, July 29th. Seven investment analysts have rated the stock with a Strong Buy rating and twenty-four have issued a Buy rating to the company’s stock. According to data from MarketBeat, Visa currently has a consensus rating of “Buy” and an average price target of $413.12.

Check Out Our Latest Stock Report on V

Visa Profile (Free Report)

Visa Inc is a global payments technology company that facilitates electronic funds transfers and digital commerce by connecting consumers, merchants, financial institutions and governments. The firm operates one of the world’s largest payment networks, providing processing, authorization, clearing and settlement services for credit, debit and prepaid card transactions. Visa’s network-based model enables partner banks and other issuers to offer branded payment products while Visa focuses on the infrastructure, standards and technologies that move money securely and efficiently around the world.

Visa’s product and service portfolio includes card-based payment products for consumers and businesses, real-time push-payment capabilities, tokenization and authentication services, fraud and risk-management tools, data analytics and APIs for fintech and merchant integration.

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A Visa credit card is seen on a computer keyboard in this picture illustration taken September 6, 2017. REUTERS/Philippe Wojazer/Illustration/File Photo Purchase Licensing Rights, opens new tab

CompaniesAug 3 (Reuters) - Visa (V.N), opens new tab said on Monday it would buy fraud ​intelligence provider BioCatch for $2.4 ‌billion in cash, as the card giant looks to beef ​up its cybersecurity offerings.

The ​company said the deal would ⁠further bolster its existing ​cyber, fraud, risk and security ​offerings and enable it to help clients better protect themselves.

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"Account takeovers ​and scams cost the ​global economy over $1 trillion annually and AI ‌is ⁠enabling these attacks at unprecedented scale," said Andrew Torre, president of value-added services, ​Visa.

"BioCatch will ​help ⁠our clients stop fraud before it reaches ​the point of payment."

The ​transaction ⁠is expected to close by the end of Visa's ⁠fiscal ​second quarter ​of 2027.

Reporting by Arasu Kannagi Basil in ​Bengaluru; Editing by Joyjeet Das

Our Standards: The Thomson Reuters Trust Principles., opens new tab

Atreides Management LP acquired a new stake in Visa Inc. (NYSE:V – Free Report) in the 1st quarter, according to the company in its most recent filing with the SEC. The fund acquired 71,641 shares of the credit-card processor’s stock, valued at approximately $21,653,000.

A number of other institutional investors also recently modified their holdings of V. Norges Bank acquired a new position in shares of Visa during the fourth quarter valued at about $5,877,738,000. Cardano Risk Management B.V. grew its stake in shares of Visa by 867.6% in the 4th quarter. Cardano Risk Management B.V. now owns 8,213,610 shares of the credit-card processor’s stock valued at $2,880,595,000 after buying an additional 7,364,762 shares during the period. Diamant Asset Management Inc. increased its position in Visa by 29,706.3% in the 1st quarter. Diamant Asset Management Inc. now owns 7,332,947 shares of the credit-card processor’s stock valued at $2,216,310,000 after buying an additional 7,308,345 shares in the last quarter. J. Stern & Co. LLP increased its position in Visa by 12,497.1% in the 4th quarter. J. Stern & Co. LLP now owns 3,378,039 shares of the credit-card processor’s stock valued at $1,184,712,000 after buying an additional 3,351,223 shares in the last quarter. Finally, Victory Capital Management Inc. raised its stake in Visa by 48.2% during the 4th quarter. Victory Capital Management Inc. now owns 6,508,089 shares of the credit-card processor’s stock worth $2,282,472,000 after buying an additional 2,116,463 shares during the period. Institutional investors and hedge funds own 82.15% of the company’s stock.

Key Visa News Here are the key news stories impacting Visa this week:

Positive Sentiment: Quarterly results exceeded expectations. Visa reported fiscal Q3 revenue of $11.63 billion, up 14.4% year over year and ahead of the roughly $11.40 billion consensus estimate. Adjusted EPS was $3.32, compared with expectations of $3.23 and $2.98 a year earlier. The company also reported $5.63 billion in profit. Visa Surpasses Q3 Earnings and Revenue Estimates Positive Sentiment: Spending and transaction growth remained resilient. Double-digit growth in payments volume, cross-border volume and processed transactions indicates continued strength in consumer and business spending, supporting Visa’s core payments outlook. Visa Expands Money Movement as Card Spending Accelerates Positive Sentiment: New growth initiatives could expand Visa’s addressable market. Visa highlighted investments in stablecoin settlement, tokenized deposits, wallet infrastructure, commercial payments and money movement. Its participation in the OpenStandard consortium and plans to support OpenUSD could create longer-term opportunities beyond traditional card transactions. Visa Outlines Stablecoin Strategy Neutral Sentiment: X Money provides a potential incremental payments channel. Elon Musk’s X launched a broader banking and payments product using Visa-branded debit cards and Cross River Bank’s infrastructure. The partnership may increase card volumes, but its financial contribution to Visa is not yet clear. X Money Launches With Visa Debit Card Negative Sentiment: Margin concerns limited the market’s reaction. Despite the earnings beat, investors focused on profitability and expense trends, leading to weakness in extended trading. Visa’s planned restructuring also introduces execution and severance-cost risks. Negative Sentiment: Workforce reductions underscore a significant transition. Visa plans to eliminate approximately 2,600 positions, or 7% of its workforce, primarily in technology and product operations, as it uses AI to improve efficiency and redirect investment toward stablecoins, B2B payments and other growth areas. While potentially positive for costs, the cuts may raise concerns about disruption and future innovation. Visa Workforce Reduction Wall Street Analyst Weigh In Several research analysts have issued reports on the company. BNP Paribas Exane upgraded Visa to a “strong-buy” rating in a report on Tuesday, July 21st. Loop Capital began coverage on Visa in a report on Tuesday, March 31st. They set a “buy” rating and a $387.00 price objective for the company. Weiss Ratings raised Visa from a “hold (c+)” rating to a “buy (b-)” rating in a research report on Monday, July 6th. Sanford C. Bernstein reiterated an “outperform” rating and issued a $450.00 target price on shares of Visa in a report on Tuesday, June 2nd. Finally, Cantor Fitzgerald reissued an “overweight” rating and issued a $400.00 price target on shares of Visa in a research report on Wednesday, April 29th. Eight investment analysts have rated the stock with a Strong Buy rating and nineteen have issued a Buy rating to the company. Based on data from MarketBeat, the company has an average rating of “Buy” and an average target price of $399.41.

Check Out Our Latest Analysis on Visa

Insider Buying and Selling In other Visa news, CEO Ryan Mcinerney sold 20,970 shares of the company’s stock in a transaction dated Monday, June 29th. The shares were sold at an average price of $340.25, for a total value of $7,135,042.50. Following the completion of the sale, the chief executive officer directly owned 15,174 shares of the company’s stock, valued at approximately $5,162,953.50. This represents a 58.02% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, General Counsel Julie B. Rottenberg sold 2,027 shares of the company’s stock in a transaction dated Thursday, July 2nd. The stock was sold at an average price of $360.00, for a total transaction of $729,720.00. Following the completion of the sale, the general counsel directly owned 18,404 shares of the company’s stock, valued at $6,625,440. The trade was a 9.92% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last ninety days, insiders have sold 44,126 shares of company stock worth $14,928,871. 0.12% of the stock is owned by insiders.

Visa Price Performance Shares of NYSE:V opened at $366.49 on Wednesday. The company has a current ratio of 1.09, a quick ratio of 1.09 and a debt-to-equity ratio of 0.64. The stock has a market cap of $657.40 billion, a PE ratio of 31.92, a price-to-earnings-growth ratio of 1.93 and a beta of 0.75. The stock’s fifty day simple moving average is $338.90 and its two-hundred day simple moving average is $325.25. Visa Inc. has a 1-year low of $293.89 and a 1-year high of $371.16.

Visa (NYSE:V – Get Free Report) last posted its earnings results on Tuesday, July 28th. The credit-card processor reported $3.32 earnings per share (EPS) for the quarter, topping the consensus estimate of $3.23 by $0.09. The firm had revenue of $11.63 billion during the quarter, compared to analyst estimates of $11.40 billion. Visa had a net margin of 51.68% and a return on equity of 65.00%. The business’s revenue was up 14.4% compared to the same quarter last year. During the same quarter in the prior year, the business posted $2.98 EPS. As a group, analysts forecast that Visa Inc. will post 13.12 EPS for the current fiscal year.

Visa announced that its Board of Directors has approved a share buyback program on Tuesday, April 28th that allows the company to buyback $20.00 billion in outstanding shares. This buyback authorization allows the credit-card processor to repurchase up to 3.6% of its stock through open market purchases. Stock buyback programs are usually a sign that the company’s management believes its stock is undervalued.

Visa Profile (Free Report)

Visa Inc is a global payments technology company that facilitates electronic funds transfers and digital commerce by connecting consumers, merchants, financial institutions and governments. The firm operates one of the world’s largest payment networks, providing processing, authorization, clearing and settlement services for credit, debit and prepaid card transactions. Visa’s network-based model enables partner banks and other issuers to offer branded payment products while Visa focuses on the infrastructure, standards and technologies that move money securely and efficiently around the world.

Visa’s product and service portfolio includes card-based payment products for consumers and businesses, real-time push-payment capabilities, tokenization and authentication services, fraud and risk-management tools, data analytics and APIs for fintech and merchant integration.

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