Core Insights - Visa Inc. reported Q3 fiscal 2025 EPS of $2.98, exceeding the Zacks Consensus Estimate of $2.86 by 4.2%, with a year-over-year increase of 23.1% [1][9] - Net revenues reached $10.2 billion, reflecting a 14.3% year-over-year growth and surpassing the consensus mark by 3.1% [1][9] Business Performance - The increase in quarterly results was driven by higher processed transactions and payment volumes, although partially offset by rising operating expenses [2] - Visa's payments volume grew 8% year over year on a constant-dollar basis, with processed transactions increasing 10% to 65.4 billion, exceeding expectations [3][9] - Cross-border volume rose 12% year over year, with a notable 11% increase excluding intra-European transactions [4] Revenue Breakdown - Service revenues increased 9% year over year to $4.3 billion, aligning with consensus estimates [5] - Data processing revenues grew 15% year over year to $5.2 billion, surpassing the Zacks Consensus Estimate [5] - International transaction revenues rose 14% year over year to $3.6 billion, driven by higher cross-border volumes [6] - Other revenues reached $1 billion, climbing 32% year over year [6] Operating Expenses - Adjusted operating expenses increased 13% year over year to $3.3 billion, primarily due to higher marketing and administrative costs [7] - Interest expenses significantly decreased by 80.1% year over year to $39 million [7] Balance Sheet Highlights - As of June 30, 2025, Visa had cash and cash equivalents of $17.1 billion, up from $12 billion at the end of fiscal 2024 [8] - Total assets increased to $100 billion from $94.5 billion at the end of fiscal 2024 [8] - Long-term debt decreased to $19.6 billion from $20.8 billion as of September 30, 2024 [8] Cash Flow and Capital Deployment - Visa generated net cash from operations of $6.7 billion, a 31.1% year-over-year increase, with free cash flows at $6.3 billion, up 33.3% [10] - The company returned $6 billion to shareholders through share buybacks and dividends, with $29.8 billion remaining under its repurchase program [11] Future Outlook - For Q4 FY25, Visa anticipates high-single-digit to low-double-digit growth in net revenues and low double-digit growth in operating expenses [12] - EPS is expected to grow in the upper-mid to high-single digits [12] - For fiscal 2025, management projects low double-digit growth in net revenues and operating expenses, with EPS growth in the low teens [13]

摩根大通将Visa的目标价从375美元上调至430美元，维持"增持"评级。(格隆汇) ...

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Core Insights - Visa Inc. reported quarterly adjusted earnings of $2.98 per share, exceeding the Zacks Consensus Estimate of $2.86, and up from $2.42 per share a year ago [1] - Quarterly revenues reached $10.17 billion, surpassing the Zacks Consensus Estimate by 3.11% [1] - The company experienced an 8% increase in payments volume and a 10% growth in processed transactions [2] Business Performance - All business segments of Visa outperformed the Zacks Consensus Estimates in the last reported quarter [2] - Total payment volumes were $3,618 billion, exceeding the consensus mark of $3,583.74 billion [2] - Total transactions amounted to 65.44 billion, compared to the consensus estimate of 64.47 billion [2] Strategic Initiatives - CEO Ryan McInerney emphasized the focus on innovation and product development in areas like AI and stablecoins to enhance long-term shareholder value [3] - Visa is modernizing cross-border money movement and expanding its stablecoin settlement capabilities to the Solana and Ethereum blockchains [4] - The company is collaborating with merchant acquirers like Worldpay and Nuvei to enhance digital payment capabilities [4] AI and Technology Investments - Visa's investments in AI and technology have significantly improved its growth prospects, with a focus on fraud prevention and cybersecurity [7][8] - The company has embedded AI into over 100 products, helping to prevent $40 billion in fraud attempts annually [8] - Visa has invested $3.5 billion in rebuilding its data platform to support these initiatives [8] Financial Outlook - For fiscal 2025, the Zacks Consensus Estimate projects revenues of $39.63 billion, a 10.3% year-over-year increase, and earnings per share of $11.37, indicating a 13.1% increase [11] - For fiscal 2026, revenues are estimated at $43.88 billion, reflecting a 10.7% year-over-year improvement, with earnings per share of $12.81, a 12.6% increase [12] - Visa's long-term EPS growth rate is projected at 13%, surpassing the S&P 500's rate of 12.6% [12] Stock Performance and Valuation - The short-term average price target for Visa shares suggests an 11.3% increase from the last closing price of $351.29, with a maximum upside of 21% and a downside of 13.2% [13] - Visa's stock has outperformed the S&P 500 year-to-date but has underperformed in the past three months [14] - The recent dip in stock price presents a potential investment opportunity, supported by Visa's AI initiatives and business diversification strategies [14]

Group 1 - The core issue revolves around players protesting against Visa and MasterCard for pressuring platforms like Steam to remove adult games, leading to a massive influx of calls and emails directed at these card organizations [1][2]. - Players have initiated a form of artificial DDoS attack by flooding Visa and MasterCard with communications, demanding the reversal of their policies that led to the removal of adult content from gaming platforms [2][3]. - Despite the players' efforts, customer service representatives at Visa and MasterCard have limited authority to address these concerns, and the protests may not lead to significant changes in policy [3]. Group 2 - The situation has prompted players to share resources on social media platforms, guiding each other on how to effectively communicate their grievances to the card organizations [3]. - There is skepticism regarding the long-term impact of these protests, as traditional financial institutions may overlook such movements over time, but it could lead to more cautious policy changes in the future [3].

Group 1 - J Sainsbury is currently addressing a payment processing issue with Visa that is affecting customers' ability to pay for online grocery orders [1][5] - The retailer has ruled out a cyberattack as the cause of the issue, stating that its website and app are functioning normally [1][5] - The incident highlights the heightened alertness within the retail industry regarding cybersecurity threats, following recent attacks on major retailers like Marks & Spencer and the Co-op [2] Group 2 - Marks & Spencer reported that a cyberattack would cost the company at least £300 million and led to the suspension of online orders for several months [3] - The Co-op experienced significant disruptions in in-store product availability for several weeks due to similar issues [5]

Visa(V.US)盘前跌超2%，报344.05美元。消息面上，Visa第三财季营收同比增长14%达到创纪录的102亿 美元，调整后每股收益同比增长23%至2.98美元，均超市场预期。尽管第三财季业绩强劲，但Visa维持 今年业绩指引不变，预计每股收益将实现11%-13%(Low-teens)增长，净营收增幅将保持在低双位数百分 比区间。瑞穗证券分析师Dan Dolev在给客户的一份报告中表示，Visa未能上调全年业绩预期，这可能 是导致该公司股票下跌的原因。(格隆汇) ...

Visa Flags Modest Stablecoin Uptake, Calls for Clear US Regulation► https://t.co/vghobjeljN https://t.co/vghobjeljN ...

周二，美国最大的支付网络公司Visa(V.US)公布了第三财季业绩。Q3营收达到创纪录的102亿美元，同 比增长14%;经调整后每股收益2.98美元，同比增长23%;均超出分析师预期。季度调整后净利润增长了 19%，达到 58 亿美元。 本文源自：金融界AI电报 ...

Core Insights - Visa reported record Q3 revenue of $10.2 billion, a 14% year-over-year increase, and adjusted EPS of $2.98, up 23%, exceeding analyst expectations [1] - The company maintained its full-year earnings guidance, expecting EPS growth of 11%-13% and low double-digit revenue growth [1] - Despite strong quarterly performance, Visa's stock fell 2.3% post-earnings due to the lack of an upward revision in full-year guidance [1] Financial Performance - Q3 net profit grew 19% to $5.8 billion, with total payment volume reaching $3.62 trillion, surpassing the $3.59 trillion forecast but down from $3.94 trillion in Q2 [1] - Year-over-year payment volume increased by 8%, with cross-border payment volume up 12% and transaction volume rising by 10% [1] - Compared to Q2, payment volume grew by 8%, cross-border payment volume by 13%, and transaction volume by 9% [1] Market Outlook - Visa's CFO indicated that revenue and EPS growth are expected to exceed previous forecasts, while the CEO noted strong consumer spending trends [1] - Analysts suggest that despite Visa's strong performance, the market's expectations for significant upward revisions may not have been met, impacting stock performance [1][2] - The company is recognized for its steady control over the payment system without resorting to exaggerated marketing tactics, which may influence its valuation perception [2]