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is set to report Q4 FY’25 results around Oct 28, 2025. Consensus expects revenue up 10% YoY to $10.6B and EPS about $2.97, driven by strong payment volumes from healthy consumer spending. The company reported Q3 revenue of $10.2B (+14% YoY) and non‑GAAP EPS $2.98, driven by +8% payment volume, +12% cross‑border activity and +10% processed transactions, signaling healthy travel and spending despite inflation and higher borrowing costs. The key question is whether that momentum and resilient travel/cross‑border spending can hold into H2 without squeezing margins, given mixed summer economic signals, and softer discretionary demand. Key Highlights Visa maintains strong operating leverage while investing in its network, fraud protection, and fintech partnerships, and converts over half its revenue into free cash flow, funding buybacks and a growing dividend; YTD returns to shareholders $17B. Visa missed revenue only once in the past two years and has beaten consensus by about 1.2% on average. Peer signals: +53.4% YoY revenue (+2.2% vs. est.) and flat (+0.9% vs. est.); stock reactions: Capital One +1.5%, Synchrony −3.5%. Dominant global payments network in 200+ countries, processing billions of transactions with a 97.8% gross margin and diversified revenue across consumer payments, commercial solutions, and value‑added services (VAS +26% YoY in constant dollars). Strong financials — 53% ROE, consistent earnings growth, and 17 years of consecutive dividend raises. Advanced security and fraud tech, expanding tokenization (15B tokens, covering >50% of global e‑commerce). Capital‑light model generates substantial free cash flow to fund innovation and shareholder returns. Analysts Expectation Citi names Visa and its top fintech picks, upgrading both to Buy on resilient consumer spending and deeper digital payments. Citi cites their global scale, cross‑border dominance and expanding VAS, sets PTs of $450 (Visa) and $735 (Mastercard) 32x 2027 EPS. Citi expects Visa’s network and pricing power to sustain cash generation (cross‑border +16% in the June quarter, e‑commerce up low‑teens) and forecasts stronger H2 2025 revenue as pricing and client incentives kick in. Wells Fargo initiated coverage on 20 Payments, Processors & IT Services names, rating Visa and Mastercard Overweight; citing scale, profitability, and exposure to structural digital‑commerce trends; sector‑wide valuation pressures from competition, crypto, and AI create selective opportunities, and both firms are active in crypto (e.g., Visa enabling global stablecoin spending with local‑currency settlement). Visa’s Q4 2025 earnings after-market (4:05 pm ET) Tuesday October 28, 2025 Technical Analysis Perspective Visa has been in an uptrend since October 2022, forming higher highs and lows within a long-term rising channel. The stock has increased $200 from $174.60 (Oct ’22 low) to $375.50 (June ’25 high), a gain of 115%. Since April ’25, prices have been consolidating in a triangle pattern. Near-term trigger: a decisive and sustained breakout above the triangle resistance around 353–355 could lead to a rally toward 371–375. Bear scenario: a decline to 337–335, the triangle’s base and the long-term uptrend support, with a break below 371 indicating further downside risk. Weekly Candlestick Chart Visa Seasonality Chart: Since 2008, Visa has seen October close with a 3.2% gain in 72% of years and November with a 3.3% gain in 76% of years. **** InvestingPro provides a comprehensive suite of tools designed to help investors make informed decisions in any market environment. These include: AI-managed stock market strategies re-evaluated monthly. 10 years of historical financial data for thousands of global stocks. A database of investor, billionaire, and hedge fund positions. And many other tools that help tens of thousands of investors outperform the market every day! Not a Pro member yet? Check out our plans here. Disclaimer: This article is written for informational purposes only. It is not intended to encourage the purchase of assets in any way, nor does it constitute a solicitation, offer, recommendation or suggestion to invest. I would like to remind you that all assets are evaluated from multiple perspectives and are highly risky, so any investment decision and the associated risk belongs to the investor. We also do not provide any investment advisory services.
