1 Fintech Stock Under $400 to Buy and Hold Forever

Core Insights - Visa reported strong fourth quarter earnings for fiscal 2025, showcasing its continued growth in the fintech sector with double-digit revenue and earnings growth [1][4] - The company remains a leader in digital payments, with significant investments in AI, cross-border payments, and stablecoin innovation [1][4] Financial Performance - In Q4, Visa's net revenue increased by 12% year-over-year to $10.7 billion, while adjusted earnings per share rose by 10% to $2.98 [4] - For the full fiscal year, revenue grew by 11% to $40 billion, and adjusted EPS increased by 14% to $11.47 [4] - Total payment volume for the year reached $14 trillion, an 8% increase, with processed transactions totaling 258 billion, up 10% from the previous year [4] Network Expansion - Visa's "network of networks" is rapidly expanding, with approximately 12 billion endpoints connected, including 4 billion cards, bank accounts, and digital wallets [5] - The company has added support for four stablecoins across four blockchains, convertible into 25 fiat currencies [5] Technological Advancements - Visa's core payment infrastructure is modernizing, with an increase of 270 million credentials in 2025 [6] - The tokenization initiative has accelerated, exceeding 16 billion tokens, up from 10 billion in mid-2024, aiming for 100% tokenization of e-commerce transactions [6] - The risk management system, supported by AI, is effectively combating fraud [6] Cryptocurrency Engagement - Visa has facilitated $100 billion in cryptocurrency and stablecoin purchases since 2020, along with $35 billion spent on Visa-linked crypto cards [7] - In 2025, spending on stablecoin-linked Visa cards has doubled year-on-year, with 130 programs across 40 countries [7] - Visa is innovating digital payment interactions through products like Visa Accept, Visa Pay, and Visa Flex Credential [7]