VISA INC.
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Revenue | 40,000 | 35,926 | +11.3% |
Show Product Lines breakouts |
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| Client incentives | -15,751 | -13,764 | -14.4% |
| Data processing revenue | 19,993 | 17,714 | +12.9% |
| International transaction revenue | 14,166 | 12,665 | +11.9% |
| Service | 17,539 | 16,114 | +8.8% |
| Service Other | 4,053 | 3,197 | +26.8% |
| Value-Added Services | 10.9 | 8.8 | +23.9% |
Show Geography breakouts |
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| Non Us | 24,367 | 21,146 | +15.2% |
| US | 15,633 | 14,780 | +5.8% |
| Labor And Related Expense | 6,961 | 6,264 | +11.1% |
| Marketing And Advertising Expense | 1,684 | 1,560 | +7.9% |
| Communications And Information Technology | 894 | 778 | +14.9% |
| Professional Fees | 759 | 635 | +19.5% |
| Depreciation And Amortization | 1,220 | 1,034 | +18.0% |
Show Property Plant And Equipment By Type breakouts |
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| Property, Equipment and Technology | 1.1 | 955 | -99.9% |
| General & Administrative | 1,926 | 1,598 | +20.5% |
| Loss Contingency Loss In Period | 2,562 | 462 | +454.5% |
| Total Costs & Expenses | 16,006 | 12,331 | +29.8% |
| Operating Income | 23,994 | 23,595 | +1.7% |
| Interest Expense | -589 | -641 | +8.1% |
| Other Non-Operating Income (Expense) | 789 | 962 | -18.0% |
| Non-Operating Income (Expense) | 200 | 321 | -37.7% |
| Income Before Taxes | 24,194 | 23,916 | +1.2% |
| Income Tax Expense (Benefit) | 4,136 | 4,173 | -0.9% |
| Net Income | 20,058 | 19,743 | +1.6% |
Show Equity Components breakouts |
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| Retained Earnings | 20,058 | 19,743 | +1.6% |
| EPS (Basic) (FY) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 15.97 | 15.46 | +3.3% |
| Class B-2 common stock | 15.72 | 15.45 | +1.7% |
| Common Class A | 10.22 | 9.74 | +4.9% |
| Common Class C | 40.87 | 38.97 | +4.9% |
| Wtd Avg Shares (Basic) (FY) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 5 | 148 | -96.6% |
| Class B-2 common stock | 120 | 49 | +144.9% |
| Common Class A | 1,714 | 1,621 | +5.7% |
| Common Class C | 9 | 16 | -43.8% |
| EPS (Diluted) (FY) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 15.95 | 15.45 | +3.2% |
| Class B-2 common stock | 15.7 | 15.43 | +1.7% |
| Common Class A | 10.2 | 9.73 | +4.8% |
| Common Class C | 40.82 | 38.92 | +4.9% |
| Wtd Avg Shares (Diluted) (FY) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 5 | 148 | -96.6% |
| Class B-2 common stock | 120 | 49 | +144.9% |
| Common Class A | 1,966 | 2,029 | -3.1% |
| Common Class C | 9 | 16 | -43.8% |
| Net Income | 20,058 | 19,743 | +1.6% |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 77 | 2,292 | -96.6% |
| Class B-2 common stock | 1,891 | 752 | +151.5% |
| Common Class A | 17,511 | 15,790 | +10.9% |
| Common Class C | 374 | 623 | -40.0% |
| Participating securities | 205 | 286 | -28.3% |
| Gain Loss On Investments | -51 | -44 | -15.9% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 17,164 | 11,975 | +43.3% |
| Accounts Receivable | 3,126 | 2,561 | +22.1% |
| Client Incentives Assets Current | 2,158 | 1,918 | +12.5% |
| Prepaid Expenses & Other Current Assets | 2,679 | 3,312 | -19.1% |
| Total Current Assets | 37,766 | 34,033 | +11.0% |
| Non-Current Assets | |||
| Long Term Investments | 999 | 2,545 | -60.7% |
| Client Incentives Assets Noncurrent | 5,157 | 4,628 | +11.4% |
| Property, Plant & Equipment | 4,236 | 3,824 | +10.8% |
| Goodwill | 19,879 | 18,941 | +5.0% |
| Other Non-Current Assets | 3,944 | 3,651 | +8.0% |
| Total Assets | 99,627 | 94,511 | +5.4% |
| Operating Lease Right-of-Use Assets | 954 | 873 | +9.3% |
| Intangible Assets | 231 | 248 | -6.9% |
Show Finite Lived Intangible Assets By Major Class breakouts |
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| Customer Relationships | 231 | 237 | -2.5% |
| Other Assets | |||
| Restricted Cash And Cash Equivalents U. S. Litigation Escrow | 2,990 | 3,089 | -3.2% |
| Investments | 1,833 | 3,200 | -42.7% |
| Settlement Receivable | 4,191 | 4,454 | -5.9% |
| Customer Collateral Assets | 3,625 | 3,524 | +2.9% |
| Intangible Assets Net Excluding Goodwill | 27,646 | 26,889 | +2.8% |
| Current Liabilities | |||
| Accounts Payable | 555 | 479 | +15.9% |
| Employee Related Liabilities Current | 1,863 | 1,538 | +21.1% |
| Client Incentives Liabilities Current | 10,369 | 9,075 | +14.3% |
| Accrued Liabilities | 5,466 | 4,909 | +11.3% |
Show Statement Class Of Stock breakouts |
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| Common Class A | 30 | 90 | -66.7% |
| Current Portion of Long-Term Debt | 5,569 | — | — |
| Litigation Reserve Current | 3,033 | 1,727 | +75.6% |
| Total Current Liabilities | 35,048 | 26,517 | +32.2% |
| Non-Current Liabilities | |||
| Long-Term Debt | 19,602 | 20,836 | -5.9% |
| Deferred Tax Liabilities | 5,549 | 5,301 | +4.7% |
| Other Non-Current Liabilities | 1,519 | 2,720 | -44.2% |
| Total Liabilities | 61,718 | 55,374 | +11.5% |
| Long-Term Debt (Q) | — | — | — |
Show Long-Term Debt Type breakouts |
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| Senior Notes | 25.2 | 20.8 | +21.2% |
| Operating Lease Liabilities | 763 | 685 | +11.4% |
| Accrued Income Taxes Noncurrent | 309 | 1.4 | +21971.4% |
| Other Liabilities | |||
| Settlement Payable | 4,568 | 5,265 | -13.2% |
| Customer Collateral Liabilities | 3,625 | 3,524 | +2.9% |
| Stockholders' Equity | |||
| Preferred Stock Value Outstanding | 745 | 1,031 | -27.7% |
Show Statement Class Of Stock breakouts |
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| Series A Preferred Stock | 513 | 540 | -5.0% |
| Series B Preferred Stock | 67 | 104 | -35.6% |
| Series C Preferred Stock | 165 | 387 | -57.4% |
| Right To Recover For Covered Losses | -124 | -104 | -19.2% |
| Additional Paid-In Capital | 21,934 | 21,229 | +3.3% |
| Retained Earnings | 15,106 | 17,289 | -12.6% |
| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax | 12 | 30 | -60.0% |
| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax | -32 | -16 | -100.0% |
| Aoci Loss Cash Flow Hedge Cumulative Gain Loss After Tax | -307 | -213 | -44.1% |
| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax | 575 | -109 | +627.5% |
| Accumulated Other Comprehensive Income | 248 | -308 | +180.5% |
Show Derivative Instruments Gain Loss By Hedging Relationship breakouts |
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| Net Investment Hedging | -176 | 182 | -196.7% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 37,909 | 39,137 | -3.1% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 248 | -308 | +180.5% |
| Common Stock Including Additional Paid In Capital | 21,934 | 21,229 | +3.3% |
| Preferred Stock | 745 | 1,031 | -27.7% |
| Preferred Stock · Series B Preferred Stock | 67 | 104 | -35.6% |
| Preferred Stock · Series C Preferred Stock | 165 | 387 | -57.4% |
| Retained Earnings | 15,106 | 17,289 | -12.6% |
| Right to Recover for Covered Losses | -124 | -104 | -19.2% |
| Total Liabilities & Equity | 99,627 | 94,511 | +5.4% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Amortization Of Client Incentives | 15,751 | 13,764 | +14.4% |
| Stock-Based Compensation | 897 | 850 | +5.5% |
| Deferred Income Taxes | 152 | -100 | +252.0% |
| V E Territory Covered Losses Incurred Post Acquisition | -28 | -139 | +79.9% |
| Income Loss From Equity Method Investments And Fair Market Value Alternative Investments | 87 | 94 | -7.4% |
| Other Non-Cash Items | 94 | 136 | -30.9% |
| Increase Decrease In Settlement Receivable | 374 | -2,175 | +117.2% |
| Change in Accounts Receivable | -542 | -237 | -128.7% |
| Increase Decrease In Client Incentives | -15,314 | -14,067 | -8.9% |
| Increase Decrease In Other Operating Assets | 160 | -199 | +180.4% |
| Change in Accounts Payable | 67 | 109 | -38.5% |
| Increase Decrease In Settlement Payable | -847 | 1,841 | -146.0% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -373 | -676 | +44.8% |
| Increase Decrease In Accrued Litigation | 1,303 | -28 | +4753.6% |
| Net Cash from Operations | 23,059 | 19,950 | +15.6% |
| Investing Activities | |||
| Payments To Acquire Productive Assets | -1,482 | -1,257 | -17.9% |
| Proceeds From Sale And Maturity Of Available For Sale Securities | 3,024 | 5,013 | -39.7% |
| Payments To Acquire Businesses Net Of Cash Acquired | -887 | -915 | +3.1% |
| Payments To Acquire Other Investments | -68 | -231 | +70.6% |
| Other Investing Activities | 121 | -93 | +230.1% |
| Net Cash from Investing | 708 | -1,926 | +136.8% |
| Financing Activities | |||
| Share Repurchases | -18,316 | -16,713 | -9.6% |
| Payments Of Dividends | -4,634 | -4,217 | -9.9% |
| Proceeds From Issuance Of Debt | 3,924 | — | — |
| Proceeds From Stock Options Exercised | 396 | 335 | +18.2% |
| Tax Withholding for Share Compensation | -281 | -208 | -35.1% |
| Proceeds From Payments For Other Financing Activities | -52 | 170 | -130.6% |
| Net Cash from Financing | -18,963 | -20,633 | +8.1% |
| Supplemental | |||
| Income Taxes Paid | 4,541 | 5,775 | -21.4% |
| Interest Paid | 587 | 583 | +0.7% |
| Unpaid Capital Expenditures | 59 | 52 | +13.5% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 420 | 382 | +9.9% |
| Net Change in Cash | 5,224 | -2,227 | +334.6% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 24,987 | 19,763 | +26.4% |
Values in millions USD. Source: SEC EDGAR 10-K filing.