80/100BVISA stock forecast 2027–2031
Analysts' average 12-month price target for VISA is 444.11, 5.1% above the current price of 422.68. Their targets range from 405.00 to 480.00.
Of the 22 firms that rated VISA in the past 12 months, 21 rate it buy or strong buy, 1 hold and 0 sell or strong sell (each firm at its latest rating): a Strong buy consensus.
Analysts' 1-year price targets range from 405.00 to 480.00, with an average of 444.11.
| Strong buy | 0 | |
| Buy | 21 | |
| Hold | 1 | |
| Sell | 0 | |
| Strong sell | 0 |
12-month price target
| Highest target | 480.00 |
| Average target | 444.11 |
| Lowest target | 405.00 |
| Current price | 422.68 |
VISA price target history
Have analysts recently raised or lowered their VISA price target and rating?
How analysts rate VISA, month by month
21 of 22 firms rate it buy now, against 21 of 22 in December 2025.
Each month: every firm at its latest rating from the 12 months before. Strong buys count as buys, strong sells as sells.
VISA analyst upgrades, downgrades and price targets
The latest rating change came on 17 February 2026, when Freedom Broker upgraded VISA from Hold to Buy. The most recent new target came from Mizuho Securities on 29 October 2026: 440.00.
| Date | Firm | Rating | Price target | Change | Price then |
|---|---|---|---|---|---|
| 29 Oct 2026 | Mizuho Securities | — | 440.00 | — | 400.60 |
| 28 Oct 2026 | Evercore ISI | Reiterated · In Line | 350.00 → 405.00 | +15.7% | 402.32 |
| 28 Oct 2026 | Oppenheimer | Reiterated · Outperform | 403.00 → 440.00 | +9.2% | 402.11 |
| 28 Oct 2026 | BMO Capital | Reiterated · Outperform | 425.00 → 438.00 | +3.1% | 401.86 |
| 28 Oct 2026 | Raymond James | — | 406.00 → 445.00 | +9.6% | 401.86 |
| 28 Oct 2026 | Piper Sandler Bill Carcache | Reiterated · Overweight | 430.00 → 479.00 | +11.4% | 401.86 |
| 28 Oct 2026 | Morgan Stanley | Reiterated · Overweight | 416.00 → 471.00 | +13.2% | 401.86 |
| 26 Oct 2026 | Susquehanna James Friedman | Reiterated · Positive | 427.00 → 480.00 | +12.4% | 407.92 |
| 23 Oct 2026 | Truist Financial Matthew Coad | Reiterated · Buy | 406.00 → 443.00 | +9.1% | 414.34 |
| 15 Oct 2026 | BMO Capital | — | 405.00 → 425.00 | +4.9% | 397.58 |
| 12 Oct 2026 | Robert W. Baird | — | 412.00 → 430.00 | +4.4% | 385.45 |
| 31 Aug 2026 | RBC Capital Daniel Perlin | Reiterated · Outperform | 412.00 → 466.00 | +13.1% | 381.60 |
| 25 Aug 2026 | Wolfe Research | Reiterated · Outperform | 435.00 → 460.00 | +5.7% | 382.41 |
| 5 Aug 2026 | Truist Financial | Reiterated · Buy | 394.00 → 406.00 | +3.0% | 370.42 |
| 3 Aug 2026 | Cantor Fitzgerald | Reiterated · Overweight | 410.00 → 445.00 | +8.5% | 370.38 |
| 30 Jul 2026 | Wells Fargo Jason Kupferberg | Reiterated · Overweight | 412.00 → 432.00 | +4.9% | 368.73 |
| 29 Jul 2026 | Cantor Fitzgerald Ramsey El-Assal | Reiterated · Overweight | 400.00 → 410.00 | +2.5% | 371.14 |
| 29 Jul 2026 | RBC Capital | Reiterated · Outperform | 412.00 | — | 368.10 |
| 29 Jul 2026 | BMO Capital | Reiterated · Outperform | 387.00 → 405.00 | +4.7% | 367.17 |
| 29 Jul 2026 | Piper Sandler Bill Carcache | Reiterated · Overweight | 394.00 → 430.00 | +9.1% | 366.59 |
| 29 Jul 2026 | Susquehanna | Reiterated · Positive | 427.00 | — | 366.59 |
| 29 Jul 2026 | UBS | Reiterated · Buy | 425.00 → 420.00 | -1.2% | 366.59 |
| 29 Jul 2026 | Wolfe Research Darrin Peller | Reiterated · Outperform | 435.00 | — | 366.59 |
| 29 Jul 2026 | Morgan Stanley James Faucette | — | 415.00 → 416.00 | +0.2% | 366.59 |
| 29 Jul 2026 | Raymond James Madison Suhr | — | 389.00 → 406.00 | +4.4% | 366.59 |
| 29 Jul 2026 | Deutsche Bank Nate Svensson | — | 430.00 | — | 366.59 |
| 24 Jul 2026 | Truist Financial | Reiterated · Buy | 371.00 → 394.00 | +6.2% | 351.60 |
| 15 Jul 2026 | BMO Capital | Reiterated · Outperform | 365.00 → 387.00 | +6.0% | 356.84 |
| 8 Jul 2026 | Barclays Nik Cremo | — | 408.00 → 420.00 | +2.9% | 352.20 |
| 6 Jul 2026 | Robert W. Baird | — | 425.00 → 412.00 | -3.1% | 357.25 |
| 29 Jun 2026 | Piper Sandler | — | 160.00 → 394.00 | +146.3% | 341.65 |
| 2 Jun 2026 | Bernstein Harshita Rawat | — | 450.00 | — | 317.99 |
| 12 May 2026 | Truist Financial Matthew Coad | Reiterated · Buy | 361.00 → 371.00 | +2.8% | 323.86 |
| 29 Apr 2026 | Raymond James | — | 389.00 | — | 336.19 |
| 29 Apr 2026 | Evercore ISI | Reiterated · In Line | 380.00 → 350.00 | -7.9% | 335.12 |
| 29 Apr 2026 | Oppenheimer | Reiterated · Outperform | 403.00 | — | 336.88 |
| 29 Apr 2026 | Morgan Stanley | — | 411.00 → 415.00 | +1.0% | 334.37 |
| 24 Apr 2026 | Truist Financial | Reiterated · Buy | 372.00 → 361.00 | -3.0% | 306.68 |
| 21 Apr 2026 | BMO Capital | — | 365.00 | — | 309.94 |
| 17 Feb 2026 | Freedom Broker | Upgraded · Hold → Buy | — | — | — |
| 17 Feb 2026 | Freedom Capital Markets | Upgraded · Hold → Buy | — | — | — |
| 10 Feb 2026 | Truist Financial Matthew Coad | — | 374.00 → 372.00 | -0.5% | 328.74 |
| 2 Feb 2026 | Daiwa | — | 370.00 | — | 333.84 |
| 30 Jan 2026 | Morgan Stanley | Reiterated · Overweight | 398.00 → 411.00 | +3.3% | 331.80 |
| 28 Jan 2026 | Piper Sandler | — | 160.00 | — | 325.26 |
| 28 Jan 2026 | Redburn Partners | — | 385.00 | — | 325.26 |
| 26 Jan 2026 | Cantor Fitzgerald Ramsey El-Assal | — | 400.00 | — | 328.49 |
| 20 Jan 2026 | Truist Financial | — | 400.00 → 374.00 | -6.5% | 326.43 |
| 12 Dec 2025 | Evercore ISI | — | 380.00 | — | 345.65 |
| 11 Dec 2025 | B of A Securities | Upgraded · Neutral → Buy | — | — | — |
VISA EPS and revenue estimates
Analysts expect VISA's EPS to grow 16.4% a year until 2029, about as fast as over the last 5 years (17.0% a year) and the last 3 years (14.2%).
Analysts expect VISA's revenue to grow 11.1% a year until 2029, about as fast as over the last 5 years (13.7% a year) and the last 3 years (12.0%).
Revenue
EPS
Does VISA beat earnings estimates?
On average, analysts' EPS estimate was 2.8% off the result, either way, and their revenue estimate 1.6%, over the last 12 quarters.
- EPS beats
- 69 / 76
- Revenue beats
- 68 / 76
- Average EPS surprise, last 12
- +2.8%
- Since
- April 2008
| Quarter | Report date | EPS estimate | Reported EPS | Surprise | Revenue estimate | Reported revenue | Surprise |
|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 27 Oct 2026 | 3.44 | 3.48 | +1.2% | 12.09B | 12.14B | +0.4% |
| Q3 FY2026 | 28 Jul 2026 | 3.23 | 3.32 | +2.8% | 11.40B | 11.63B | +2.0% |
| Q2 FY2026 | 28 Apr 2026 | 3.10 | 3.31 | +6.8% | 10.75B | 11.23B | +4.5% |
| Q1 FY2026 | 29 Jan 2026 | 3.14 | 3.17 | +1.0% | 10.69B | 10.90B | +2.0% |
| Q4 FY2025 | 28 Oct 2025 | 2.97 | 2.98 | +0.3% | 10.62B | 10.72B | +1.0% |
| Q3 FY2025 | 29 Jul 2025 | 2.85 | 2.98 | +4.6% | 9.85B | 10.17B | +3.3% |
| Q2 FY2025 | 29 Apr 2025 | 2.68 | 2.76 | +3.0% | 9.55B | 9.59B | +0.4% |
| Q1 FY2025 | 30 Jan 2025 | 2.66 | 2.75 | +3.4% | 9.35B | 9.51B | +1.7% |
| Q4 FY2024 | 29 Oct 2024 | 2.58 | 2.71 | +5.0% | 9.49B | 9.62B | +1.4% |
| Q3 FY2024 | 23 Jul 2024 | 2.42 | 2.42 | 0.0% | 8.92B | 8.90B | -0.2% |
| Q2 FY2024 | 23 Apr 2024 | 2.44 | 2.51 | +2.9% | 8.62B | 8.78B | +1.8% |
| Q1 FY2024 | 25 Jan 2024 | 2.34 | 2.41 | +3.0% | 8.55B | 8.63B | +0.9% |
VISA stock price 2027–2031: scenarios
If VISA's earnings keep growing at the 13.5% a year analysts expect to FY2029, it would earn about 25.04 a share in FY2031. At the P/E it has traded at over the last five years (25.3 to 33.4) that is 634.48 to 836.30 a share, or 719.07 at its average P/E of 28.7. This is arithmetic on the analysts' estimates, not a prediction.
| Fiscal year | EPS | Bear | Base | Bull |
|---|---|---|---|---|
| FY2027 | 15.05 | 381.30 | 432.13 | 502.58 |
| FY2028 | 17.15 | 434.52 | 492.44 | 572.72 |
| FY2029 | 19.43 | 492.35 | 557.98 | 648.95 |
| FY2030 (extrapolated) | 22.05 | 558.91 | 633.43 | 736.69 |
| FY2031 (extrapolated) | 25.04 | 634.48 | 719.07 | 836.30 |
Each year's EPS is the analysts' consensus to FY2029; the years after continue its 13.5% a year. Bear, base and bull apply the lowest, average and highest P/E of the last five fiscal year ends (25.3, 28.7, 33.4).
Is VISA stock undervalued or overvalued?
VISA's P/E of 34.0 is above the middle of its 5-year range (26.2 to 44.5, median 31.5). Analysts do not expect faster growth than in recent years, so it is expensive compared with its own history. Buyers pay about the usual price for each point of growth: a PEG of 2.1 on expected growth against 1.9 on its median P/E and past five years' growth. At its usual P/E (31.3 × EPS of 12.44), VISA's fair value is 388.86; the price, 422.68, is 8.7% above it. Its forward P/E, on the consensus for FY2027, is 28.1.
Fair value is the usual (median) P/E of the last five years times the earnings per share of the last twelve months; the ends of the bar are the same earnings at its lowest and highest P/E of those years (26.2 and 37.5). The price against its P/E range
- Price to earnings ratio (TTM)
- 33.98
- Five-year median P/E
- 31.52
- Five-year P/E range
- 26.2 – 44.5
- Forward P/E (FY2027)
- 28.09
- PEG ratio
- 2.51
- To the average target
- +5.1%
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