VISA INC.
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V Q2 2026 request
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| Metric | Q2 2026 | Q2 2025 | YoY |
|---|---|---|---|
| Revenue | 11,230 | 9,594 | +17.1% |
Show Product Lines breakouts |
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| Client incentives | -4,245 | -3,734 | -13.7% |
| Data processing revenue | 5,543 | 4,701 | +17.9% |
| International transaction revenue | 3,631 | 3,291 | +10.3% |
| Service | 4,981 | 4,399 | +13.2% |
| Service Other | 1,320 | 937 | +40.9% |
| Value-Added Services | 3.3 | 2.6 | +26.9% |
Show Geography breakouts |
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| Non Us | 6,911 | 5,783 | +19.5% |
| US | 4,319 | 3,811 | +13.3% |
| Labor And Related Expense | 1,841 | 1,657 | +11.1% |
| Marketing And Advertising Expense | 545 | 381 | +43.0% |
| Communications And Information Technology | 260 | 224 | +16.1% |
| Professional Fees | 238 | 173 | +37.6% |
| Depreciation And Amortization | 333 | 305 | +9.2% |
| General & Administrative | 450 | 419 | +7.4% |
| Loss Contingency Loss In Period | 329 | 1,000 | -67.1% |
| Total Costs & Expenses | 3,996 | 4,159 | -3.9% |
| Operating Income | 7,234 | 5,435 | +33.1% |
| Interest Expense | -178 | -158 | -12.7% |
| Other Non-Operating Income (Expense) | 118 | 161 | -26.7% |
| Non-Operating Income (Expense) | -60 | 3 | -2100.0% |
| Income Before Taxes | 7,174 | 5,438 | +31.9% |
| Income Tax Expense (Benefit) | 1,153 | 861 | +33.9% |
| Net Income | 6,021 | 4,577 | +31.5% |
Show Equity Components breakouts |
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| Retained Earnings | 6,021 | 4,577 | +31.5% |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 24 | 18 | +33.3% |
| Class B-2 common stock | 571 | 431 | +32.5% |
| Common Class A | 5,265 | 3,996 | +31.8% |
| Common Class C | 112 | 85 | +31.8% |
| Participating securities | 49 | 47 | +4.3% |
| EPS (Basic) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 4.87 | 3.63 | +34.2% |
| Class B-2 common stock | 4.75 | 3.58 | +32.7% |
| Common Class A | 3.15 | 2.32 | +35.8% |
| Common Class C | 12.58 | 9.29 | +35.4% |
| Wtd Avg Shares (Basic) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 5 | 5 | 0.0% |
| Class B-2 common stock | 120 | 120 | 0.0% |
| Common Class A | 1,674 | 1,721 | -2.7% |
| Common Class C | 9 | 9 | 0.0% |
| EPS (Diluted) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 4.87 | 3.63 | +34.2% |
| Class B-2 common stock | 4.74 | 3.58 | +32.4% |
| Common Class A | 3.14 | 2.32 | +35.3% |
| Common Class C | 12.57 | 9.27 | +35.6% |
| Wtd Avg Shares (Diluted) (Q) | — | — | — |
Show Statement Class Of Stock breakouts |
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| Class B-1 common stock | 5 | 5 | 0.0% |
| Class B-2 common stock | 120 | 120 | 0.0% |
| Common Class A | 1,916 | 1,974 | -2.9% |
| Common Class C | 9 | 9 | 0.0% |
Balance Sheet
| Metric | Q2 2026 | Q2 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 12,404 | — | — |
| Accounts Receivable | 3,405 | 2,719 | +25.2% |
| Client Incentives Assets Current | 2,473 | 2,175 | +13.7% |
| Prepaid Expenses & Other Current Assets | 4,741 | 3,576 | +32.6% |
| Total Current Assets | 31,625 | 32,934 | -4.0% |
| Non-Current Assets | |||
| Long Term Investments | 308 | 1,470 | -79.0% |
| Client Incentives Assets Noncurrent | 5,514 | 4,760 | +15.8% |
| Property, Plant & Equipment | 4,778 | 4,023 | +18.8% |
| Goodwill | 20,891 | — | — |
| Other Non-Current Assets | 4,183 | 3,617 | +15.6% |
| Total Assets | 95,049 | 92,853 | +2.4% |
| Other Assets | |||
| Restricted Cash And Cash Equivalents U. S. Litigation Escrow | 665 | 2,926 | -77.3% |
| Investments | 1,509 | 2,017 | -25.2% |
| Settlement Receivable | 2,136 | 4,244 | -49.7% |
| Customer Collateral Assets | 4,292 | 3,543 | +21.1% |
| Intangible Assets Net Excluding Goodwill | 27,750 | 26,408 | +5.1% |
| Current Liabilities | |||
| Accounts Payable | 557 | 421 | +32.3% |
| Employee Related Liabilities Current | 1,392 | 1,225 | +13.6% |
| Client Incentives Liabilities Current | 11,577 | 9,665 | +19.8% |
| Accrued Liabilities | 5,670 | — | — |
| Current Portion of Long-Term Debt | 1,559 | — | — |
| Litigation Reserve Current | 981 | 2,076 | -52.7% |
| Total Current Liabilities | 29,076 | 30,381 | -4.3% |
| Non-Current Liabilities | |||
| Long-Term Debt | 22,417 | — | — |
| Deferred Tax Liabilities | 5,893 | 5,160 | +14.2% |
| Other Non-Current Liabilities | 2,002 | 2,468 | -18.9% |
| Total Liabilities | 59,388 | 54,823 | +8.3% |
| Long-Term Debt (Q) | — | — | — |
Show Long-Term Debt Type breakouts |
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| Senior Notes | 24 | — | — |
| Other Liabilities | |||
| Settlement Payable | 3,048 | 4,996 | -39.0% |
| Customer Collateral Liabilities | 4,292 | 3,543 | +21.1% |
| Stockholders' Equity | |||
| Preferred Stock Value Outstanding | 528 | — | — |
Show Statement Class Of Stock breakouts |
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| Series A Preferred Stock | 405 | 397 | +2.0% |
| Series B Preferred Stock | 7 | — | — |
| Series C Preferred Stock | 116 | — | — |
| Right To Recover For Covered Losses | -44 | -120 | +63.3% |
| Additional Paid-In Capital | 22,033 | 21,579 | +2.1% |
| Retained Earnings | 13,122 | 16,518 | -20.6% |
| Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax | 5 | 14 | -64.3% |
| Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax | -24 | -8 | -200.0% |
| Aoci Loss Cash Flow Hedge Cumulative Gain Loss After Tax | -162 | -206 | +21.4% |
| Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax | 203 | -627 | +132.4% |
| Accumulated Other Comprehensive Income | 22 | -827 | +102.7% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 35,661 | 38,030 | -6.2% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 22 | -827 | +102.7% |
| Common Stock Including Additional Paid In Capital | 22,033 | 21,579 | +2.1% |
| Preferred Stock | 528 | 880 | -40.0% |
| Preferred Stock · Series B Preferred Stock | 7 | 99 | -92.9% |
| Preferred Stock · Series C Preferred Stock | 116 | 384 | -69.8% |
| Retained Earnings | 13,122 | 16,518 | -20.6% |
| Right to Recover for Covered Losses | -44 | -120 | +63.3% |
| Total Liabilities & Equity | 95,049 | 92,853 | +2.4% |
Cash Flow Statement
| Metric | YTD Q2 2026 | YTD Q2 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Amortization Of Client Incentives | 8,514 | 7,531 | +13.1% |
| Stock-Based Compensation | 506 | 483 | +4.8% |
| Deferred Income Taxes | 18 | -86 | +120.9% |
| V E Territory Covered Losses Incurred Post Acquisition | -28 | -24 | -16.7% |
| Income Loss From Equity Method Investments And Fair Market Value Alternative Investments | 22 | 98 | -77.6% |
| Other Non-Cash Items | 22 | 65 | -66.2% |
| Increase Decrease In Settlement Receivable | 2,038 | 132 | +1443.9% |
| Change in Accounts Receivable | -237 | -156 | -51.9% |
| Increase Decrease In Client Incentives | -7,762 | -7,190 | -8.0% |
| Increase Decrease In Other Operating Assets | -1,851 | -400 | -362.8% |
| Change in Accounts Payable | -25 | -45 | +44.4% |
| Increase Decrease In Settlement Payable | -1,696 | -155 | -994.2% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -214 | -796 | +73.1% |
| Increase Decrease In Accrued Litigation | -2,052 | 351 | -684.6% |
| Net Cash from Operations | 9,788 | 10,091 | -3.0% |
| Investing Activities | |||
| Payments To Acquire Productive Assets | -761 | -672 | -13.2% |
| Purchases of Investments | -50 | — | — |
| Proceeds From Sale And Maturity Of Available For Sale Securities | 1,025 | 2,268 | -54.8% |
| Payments To Acquire Businesses Net Of Cash Acquired | -705 | -887 | +20.5% |
| Payments To Acquire Other Investments | -28 | -24 | -16.7% |
| Other Investing Activities | 2 | -25 | +108.0% |
| Net Cash from Investing | -517 | 660 | -178.3% |
| Financing Activities | |||
| Share Repurchases | -11,625 | -8,607 | -35.1% |
| Repayments Of Long Term Debt | -4,000 | — | — |
| Payments Of Dividends | -2,579 | -2,334 | -10.5% |
| Proceeds From Issuance Of Debt | 2,995 | — | — |
| Proceeds From Stock Options Exercised | 133 | 246 | -45.9% |
| Tax Withholding for Share Compensation | -268 | -242 | -10.7% |
| Proceeds From Payments For Other Financing Activities | -52 | -198 | +73.7% |
| Net Cash from Financing | -15,396 | -11,135 | -38.3% |
| Supplemental | |||
| Income Taxes Paid | 3,984 | 3,055 | +30.4% |
| Interest Paid | 261 | 261 | 0.0% |
| Unpaid Capital Expenditures | 125 | 60 | +108.3% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -156 | -243 | +35.8% |
| Net Change in Cash | -6,281 | -627 | -901.8% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 18,706 | 19,136 | -2.2% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.