All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2017-09-11.
From the record
VISA Inc.'s filings since 2017 show 1 warning event: a debt default or acceleration notice (8-K item 2.04, the latest 2017-09-11) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.4% a year over 8 filed years; profitable in 8 of 8.
From the record
VISA Inc.'s 8 filed years say what it did: revenue went from $23 billion in fiscal 2019 to $46 billion in fiscal 2026, up 10.4% a year; it rose in 6 of 7 years; the deepest fall was 5% from fiscal 2019 to fiscal 2020; net income was positive in 8 of 8 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 9.3/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: VISA Inc.'s shareholder treatment is put at 9.3 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the top 7% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE 65%: 65¢ of profit per shareholder dollar. Leverage 62%: owes 62¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2026-09-30, VISA Inc. earned about 65 cents of profit for every dollar of shareholders' money. Leverage: it owed about 62 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 16% of 101 in its family; net margin 51.2%.
From the record
VISA Inc.'s standing among 101 graded names in its industry family: revenue of $46 billion in fiscal 2026 ranks in the top 3% by size; a net margin of 51.2% ranks in the top 1%; revenue growth of 12% a year over the last 3 filed years ranks in the top 43% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 25% of 65 in its family for leadership; chief executive since 2023.
From the record
VISA Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Mcinerney, Ryan (Chief Executive Officer, as filed), filing under that title since 2023-02-17, 3.7 years (bottom 47% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 7.2 years (top 20%); 1 officer or director change was reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 1%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 35% of 99 in its family for room to expand.
From the record
VISA Inc.'s room to grow, from the newest filed statements (fiscal 2026): cash of $13 billion against debt of $19 billion leaves -6.8% of its assets as net cash, bottom 34% of its family; cash from operations less capital spending is 48.1% of revenue (top 5%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 29% of 99 in its family for growth drivers.
From the record
VISA Inc.'s growth drivers, from the filed years to fiscal 2026: revenue grew 12% a year over the last three filed years against 10.4% over all 8, speeding up (top 17% of its family); the newest year grew 14.8% (top 36%); capital spending grew 16.4% a year (top 35%) (its annual reports). VISA Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 43% of 93 in its family for expectations against reality.
From the record
VISA Inc.'s newest year against its own record: revenue of $46 billion in fiscal 2026 came in 3.7% above the $44 billion its prior three years' pace pointed to (top 35% of its family); net income of $24 billion against a prior three-year average of $19 billion (bottom 34%); a net margin of 51.2% against 52.7% before (bottom 30%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made