Visa and Mastercard are the world’s two largest payment card network processors, but their business structures have some significant differences. https://t.co/p1ryGOsQm1 ...

Key Takeaways V launched a Cybersecurity Advisory Practice in August 2025 to help firms boost defenses.V has invested $12B in five years, blocking $40B in fraudulent payment attempts.VAAI Score uses generative AI to detect and assess enumeration attacks in real time.In a world where cyber threats are evolving at lightning speed, Visa Inc. (V) isn’t just keeping up — it is leading the charge. By protecting millions of transactions every day and breaking down complex fraud networks, this payments powerhouse h ...

Visa’s stablecoin strategies could include the launch of its own coin someday.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.That’s according to a report Tuesday (Aug. 12) from Bloomberg News, citing sources famil ...

#全球投资名人堂沃伦·巴菲特私募排排网专栏 从20世纪50年代投身投资领域开始，巴菲特就缔造了一段难以复制的神话，收获了"股神""投资之神""奥马哈的先知"等诸多美誉，更是全球唯一一位仅靠投 资便登顶世界首富的人。今天，让我们一同走进巴菲特的世界，探寻他的成功密码。 前言： 8月2日，巴菲特旗下的伯克希尔·哈撒韦公司披露，其对食品巨头卡夫亨氏的投资进行了高达38亿美元的资产减记。这使得该项投资的账面价值骤降至84亿 美元，较2017年底的逾170亿美元大幅缩水。 账面价值的暴跌似乎坐实了外界对该交易的悲观评价。然而，英国《金融时报》的分析揭示了一个关键转折：得益于巴菲特在交易谈判中争取到的精妙条 款，即便在这场公认的投资"滑铁卢"中，他实际上已悄然实现了近60%的盈利。当市场还在为表面的巨额亏损叹息时，股神早已凭借交易架构的优势锁定了 丰厚回报。 一项投资在短短几年内账面价值惨遭"腰斩"，这通常标志着彻底的失败——但主角若是沃伦·巴菲特，结局往往出人意料。 巴菲特从小就乖巧懂事，仿佛特别能体谅父母的艰辛。当父母忙碌时，给他一个简单的玩具，如牙刷或布偶，他就能安静地玩上半天。这份安静懂事，对霍 华德和利拉来说， ...

Core Insights - The article discusses the investment outlook for Visa (NYSE: V), suggesting a potential sell position until a more favorable buying opportunity arises [1]. Company Analysis - The author has a long-standing investment strategy focused on US equities since 2018, emphasizing a conservative approach to investing [1]. - The analysis model used is a combination of quantitative and fundamental analysis, which allows for an objective assessment of public companies, excluding banks, insurance companies, and REITs [1]. - The focus is on comprehensive analysis of financial statements for mega and large-cap companies, with updates conducted quarterly [1]. Investment Strategy - The primary investment strategy involves regularly purchasing shares with a portion of income intended for long-term holding [1]. - The goal is to provide private investors with an independent perspective on large, well-known companies through factual analysis [1].

Core Insights - Visa Inc. reported strong quarterly performance in Q3 of fiscal 2025, driven by resilient consumer spending and growth in cross-border transactions [1][4] - The stock has seen a 5.5% decline since the earnings report, raising questions about the sustainability of its growth [2] Financial Performance - Visa's EPS reached $2.98, exceeding estimates by 4.2% and reflecting a year-over-year growth of 23.1% [2][8] - Total revenue for the quarter was $10.2 billion, surpassing consensus estimates by 3.1% and increasing 14.3% year over year [2][8] - Processed transactions grew by 10% year over year to 65.4 billion, while cross-border volumes surged 12% [3][8] Business Resilience - Despite macroeconomic challenges, Visa's transaction-based model has maintained resilience, showing less dependence on specific spending categories [4] - The company continues to invest in infrastructure and innovation, reinforcing its competitive advantage [5] Shareholder Returns - Visa returned $6 billion to shareholders in the quarter, including $4.8 billion in share repurchases and $1.2 billion in dividends [6][8] - The dividend yield stands at 0.71%, above the industry average of 0.65% [6] Growth Estimates - Analyst estimates for Visa's EPS suggest a year-over-year increase of 13.6% for fiscal 2025 and 12.4% for fiscal 2026 [7] - Revenue estimates indicate a 10.8% increase for fiscal 2025 and 10.9% for fiscal 2026 [7] Innovation and Diversification - Visa's value-added services generated $2.8 billion in Q3 revenues, up 26% year over year [9] - The company is advancing in digital wallets and crypto-related payment solutions through partnerships and stablecoin trials [9][10] Market Position and Valuation - Visa's shares are up 5.1% year to date, outperforming the industry but lagging behind the S&P 500 [11] - The stock trades at a forward price/earnings ratio of 26.28, higher than the industry average of 21.37 [13] Challenges Ahead - Regulatory challenges include an antitrust lawsuit and potential legislative changes affecting the credit card industry [16] - Rising operating expenses increased by 13% year over year to $3.3 billion, driven by higher costs [17]

Decentralized Governance & Platform - Visa's founding embodies decentralist ideals akin to modern DAOs, offering valuable insights for crypto networks [1][2] - Visa pioneered a permissionless platform with decentralized governance and ownership [1] Lessons for Crypto - Crypto networks can learn from Visa's successful implementation of decentralized governance half a century ago [2] - The industry should consider the evolution of Visa from a decentralized entity to one perceived as extractive, to avoid similar pitfalls in crypto [1]

Core Viewpoint - Visa is highlighted as a strong investment opportunity due to its high returns on capital, strong margins, consistent growth, and reliable returns over time [1]. Company Analysis - Visa exhibits characteristics of a great business, including high returns on capital and strong profit margins [1]. - The company has demonstrated algorithm-like growth, indicating a stable and predictable growth pattern [1]. - Visa is recognized for its cash-rich status and strong balance sheet, which are attractive features for long-term investors [1]. Investment Strategy - The focus is on identifying high-quality companies with shareholder-friendly policies, applying a disciplined valuation approach [1]. - A mix of quantitative and qualitative measures is utilized to uncover underappreciated investment opportunities [1]. - The investment approach is long-only with a long-term focus, emphasizing sustainable growth and value [1].

Group 1 - The meeting took place on August 4, where Li Chenggang, the international trade negotiation representative and vice minister, met with Visa's global president, Al Kelly [1] - The discussion likely focused on trade relations and potential collaboration between China and Visa [1] - This meeting signifies ongoing efforts to strengthen international trade partnerships and enhance financial services [1]

Group 1 - The Ministry of Commerce announced a meeting on August 4 between Li Chenggang, the international trade negotiation representative and vice minister, and Al Kelly, the global president of Visa [1] - The meeting indicates ongoing discussions between the Chinese government and Visa regarding international trade and financial services [1]