VISA INC.
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V Q3 2025 request
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Revenue | 10,172 | 8,900 | +14.3% |
Show Product Lines breakouts |
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| Client incentives | -3,972 | -3,530 | -12.5% |
| Data processing revenue | 5,153 | 4,489 | +14.8% |
| International transaction revenue | 3,633 | 3,194 | +13.7% |
| Service | 4,330 | 3,967 | +9.2% |
| Service Other | 1,028 | 780 | +31.8% |
| Value-Added Services | 2.8 | 2.2 | +27.3% |
Show Geography breakouts |
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| Non Us | 6,245 | 5,279 | +18.3% |
| US | 3,927 | 3,621 | +8.5% |
| Labor And Related Expense | 1,749 | 1,573 | +11.2% |
| Marketing And Advertising Expense | 421 | 378 | +11.4% |
| Communications And Information Technology | 224 | 200 | +12.0% |
| Professional Fees | 187 | 152 | +23.0% |
| Depreciation And Amortization | 317 | 264 | +20.1% |
| General & Administrative | 482 | 382 | +26.2% |
| Loss Contingency Loss In Period | 615 | 13 | +4630.8% |
| Total Costs & Expenses | 3,995 | 2,962 | +34.9% |
| Operating Income | 6,177 | 5,938 | +4.0% |
| Interest Expense | -39 | -196 | +80.1% |
| Other Non-Operating Income (Expense) | 195 | 247 | -21.1% |
| Non-Operating Income (Expense) | 156 | 51 | +205.9% |
| Income Before Taxes | 6,333 | 5,989 | +5.7% |
| Income Tax Expense (Benefit) | 1,061 | 1,117 | -5.0% |
| Net Income | 5,272 | 4,872 | +8.2% |
Show Equity Components breakouts |
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| Retained Earnings | 5,272 | 4,872 | +8.2% |
| EPS (Basic) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 4.21 | 3.82 | +10.2% |
| Class B-2 common stock | 4.13 | 3.82 | +8.1% |
| Common Class A | 2.69 | 2.4 | +12.1% |
| Common Class C | 10.78 | 9.62 | +12.1% |
| Wtd Avg Shares (Basic) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 5 | 97 | -94.8% |
| Class B-2 common stock | 120 | 74 | +62.2% |
| Common Class A | 1,709 | 1,610 | +6.1% |
| Common Class C | 9 | 29 | -69.0% |
| EPS (Diluted) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 4.2 | 3.81 | +10.2% |
| Class B-2 common stock | 4.13 | 3.81 | +8.4% |
| Common Class A | 2.69 | 2.4 | +12.1% |
| Common Class C | 10.77 | 9.6 | +12.2% |
| Wtd Avg Shares (Diluted) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 5 | 97 | -94.8% |
| Class B-2 common stock | 120 | 74 | +62.2% |
| Common Class A | 1,959 | 2,029 | -3.4% |
| Common Class C | 9 | 29 | -69.0% |
| Net Income | 5,272 | 4,872 | +8.2% |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 20 | 372 | -94.6% |
| Class B-2 common stock | 497 | 283 | +75.6% |
| Common Class A | 4,605 | 3,870 | +19.0% |
| Common Class C | 97 | 275 | -64.7% |
| Participating securities | 53 | 72 | -26.4% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 17,092 | 12,947 | +32.0% |
| Accounts Receivable | 2,920 | 2,521 | +15.8% |
| Client Incentives Assets Current | 2,198 | 1,821 | +20.7% |
| Prepaid Expenses & Other Current Assets | 3,012 | 2,857 | +5.4% |
| Total Current Assets | 38,398 | 31,039 | +23.7% |
| Non-Current Assets | |||
| Long Term Investments | 1,203 | 3,037 | -60.4% |
| Client Incentives Assets Noncurrent | 5,005 | 4,133 | +21.1% |
| Property, Plant & Equipment | 4,143 | 3,766 | +10.0% |
| Goodwill | 19,880 | — | — |
| Other Non-Current Assets | 3,735 | 4,006 | -6.8% |
| Total Assets | 100,024 | 91,040 | +9.9% |
| Other Assets | |||
| Restricted Cash And Cash Equivalents U. S. Litigation Escrow | 2,696 | 1,596 | +68.9% |
| Investments | 2,088 | 3,697 | -43.5% |
| Settlement Receivable | 4,778 | 2,128 | +124.5% |
| Customer Collateral Assets | 3,614 | 3,472 | +4.1% |
| Intangible Assets Net Excluding Goodwill | 27,660 | 26,243 | +5.4% |
| Current Liabilities | |||
| Accounts Payable | 462 | 331 | +39.6% |
| Employee Related Liabilities Current | 1,474 | 1,251 | +17.8% |
| Client Incentives Liabilities Current | 10,032 | 8,562 | +17.2% |
| Accrued Liabilities | 4,907 | 4,732 | +3.7% |
Show Statement Class Of Stock breakouts |
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| Common Class A | 61 | 200 | -69.5% |
| Current Portion of Long-Term Debt | 5,548 | — | — |
| Litigation Reserve Current | 2,352 | 1,688 | +39.3% |
| Total Current Liabilities | 34,427 | 22,612 | +52.3% |
| Non-Current Liabilities | |||
| Long-Term Debt | 19,590 | — | — |
| Deferred Tax Liabilities | 5,755 | 5,119 | +12.4% |
| Other Non-Current Liabilities | 1,588 | 2,978 | -46.7% |
| Total Liabilities | 61,360 | 51,311 | +19.6% |
| Long-Term Debt (Q) | — | — | — |
Show Long-Term Debt Type breakouts |
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| Senior Notes | 25.1 | — | — |
| Other Liabilities | |||
| Settlement Payable | 6,038 | 2,576 | +134.4% |
| Customer Collateral Liabilities | 3,614 | 3,472 | +4.1% |
| Stockholders' Equity | |||
| Preferred Stock Value Outstanding | 871 | 1,425 | -38.9% |
Show Statement Class Of Stock breakouts |
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| Series A Preferred Stock | 388 | 364 | +6.6% |
| Series B Preferred Stock | 99 | 280 | -64.6% |
| Series C Preferred Stock | 384 | 781 | -50.8% |
| Right To Recover For Covered Losses | -118 | -46 | -156.5% |
| Additional Paid-In Capital | 21,746 | 20,832 | +4.4% |
| Retained Earnings | 15,956 | 18,578 | -14.1% |
| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax | 12 | -19 | +163.2% |
| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax | -14 | -145 | +90.3% |
| Aoci Loss Cash Flow Hedge Cumulative Gain Loss After Tax | -356 | -120 | -196.7% |
| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax | 567 | -776 | +173.1% |
| Accumulated Other Comprehensive Income | 209 | -1,060 | +119.7% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 38,664 | 39,729 | -2.7% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 209 | -1,060 | +119.7% |
| Common Stock Including Additional Paid In Capital | 21,746 | 20,832 | +4.4% |
| Preferred Stock | 871 | 1,425 | -38.9% |
| Preferred Stock · Series B Preferred Stock | 99 | 280 | -64.6% |
| Preferred Stock · Series C Preferred Stock | 384 | 781 | -50.8% |
| Retained Earnings | 15,956 | 18,578 | -14.1% |
| Right to Recover for Covered Losses | -118 | -46 | -156.5% |
| Total Liabilities & Equity | 100,024 | 91,040 | +9.9% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Amortization Of Client Incentives | 11,503 | 10,135 | +13.5% |
| Stock-Based Compensation | 706 | 662 | +6.6% |
| Deferred Income Taxes | 347 | -99 | +450.5% |
| V E Territory Covered Losses Post Acquisition | -22 | -81 | +72.8% |
| Income Loss From Equity Method Investments And Fair Market Value Alternative Investments | 133 | 48 | +177.1% |
| Other Non-Cash Items | 70 | 122 | -42.6% |
| Increase Decrease In Settlement Receivable | -211 | 92 | -329.3% |
| Change in Accounts Receivable | -334 | -214 | -56.1% |
| Increase Decrease In Client Incentives | -11,253 | -10,317 | -9.1% |
| Increase Decrease In Other Operating Assets | -18 | -173 | +89.6% |
| Change in Accounts Payable | -14 | -27 | +48.1% |
| Increase Decrease In Settlement Payable | 619 | -765 | +180.9% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -1,199 | -1,216 | +1.4% |
| Increase Decrease In Accrued Litigation | 622 | -66 | +1042.4% |
| Net Cash from Operations | 16,821 | 13,286 | +26.6% |
| Investing Activities | |||
| Payments To Acquire Productive Assets | -1,093 | -948 | -15.3% |
| Proceeds From Sale And Maturity Of Available For Sale Securities | 2,468 | 3,866 | -36.2% |
| Payments To Acquire Businesses Net Of Cash Acquired | -887 | -915 | +3.1% |
| Payments To Acquire Other Investments | -41 | -19 | -115.8% |
| Other Investing Activities | -43 | -51 | +15.7% |
| Net Cash from Investing | 404 | -2,510 | +116.1% |
| Financing Activities | |||
| Share Repurchases | -13,389 | -10,865 | -23.2% |
| Payments Of Dividends | -3,488 | -3,176 | -9.8% |
| Proceeds From Issuance Of Debt | 3,924 | — | — |
| Proceeds From Stock Options Exercised | 341 | 267 | +27.7% |
| Tax Withholding for Share Compensation | -254 | -189 | -34.4% |
| Proceeds From Payments For Other Financing Activities | -97 | 399 | -124.3% |
| Net Cash from Financing | -12,963 | -13,564 | +4.4% |
| Supplemental | |||
| Income Taxes Paid | 3,587 | 4,699 | -23.7% |
| Interest Paid | 539 | 534 | +0.9% |
| Unpaid Capital Expenditures | 51 | 30 | +70.0% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 416 | 74 | +462.2% |
| Net Change in Cash | 4,678 | -2,714 | +272.4% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 24,441 | 19,276 | +26.8% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.