Value
4.1/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 4.5 |
| P/S | 0.4 |
| EV/EBITDA | 0.0 |
| Fwd P/E | 5.9 |
| PEG | 5.3 |
| Analyst target | 6.0 |
- ▸Forward P/E: 22.0x
- ▸PEG: 1.44
V · Why this verdict
Why Visa (V) is rated BUY NOW
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictBUY NOW
Overall score6.5/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
8.8/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 10.0 |
| ROA | 10.0 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Current ratio | 4.3 |
| FCF quality | 6.7 |
| Moat | 8.2 |
| Rule of 40 | 9.5 |
| Piotroski F | 8.9 |
- ▸Excellent ROE: 60%
- ▸Strong margins: 52%
- ▸Wide economic moat
- ▸Compounder quality: strong returns + growth
Growth
7.9/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 6.8 |
| EPS growth | 9.1 |
Momentum
6.2/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 10.0 |
| OBV | 1.0 |
| MA position | 7.0 |
| Volume | 8.6 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA (recent, shallow — too early to call)
Sentiment
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 5.6 |
| Analyst rating | 9.0 |
| Price target | 7.9 |
- ▸Analyst upside: 22%
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.0 |
- ▸Negligible insider selling — $14,154,870 (0.002% of mkt cap)
Peer rank
5.2/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 0.9 |
| quality rank | 9.1 |
| growth rank | 5.9 |
- ▸Superior ROE vs peers
- ▸Best-in-class margins
Technical
5.0/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 3.7 |
| support resistance | 3.7 |
| 52w position | 7.5 |
Risk (lower is worse)
7.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 9.4 |
| days to cover | 8.2 |
| volatility | 6.9 |
| put call | 8.1 |
| implied vol | 7.2 |
| beta | 8.4 |
| debt equity | 7.0 |
| news risk | 5.0 |
Catalyst
6.5/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 4.1 |
| dividend safety | 7.0 |
| news activity | 8.0 |
- ▸Strong earnings: 3B/0M
- ▸Dividend: 82.0%
How the verdict was assembled
Engine trigger
Growth is outpacing valuation and the technical setup has confirmed a breakout above resistance (PEG 1.44, quality 8.8/10, growth 7.9/10).
Engine technical detail
verdict_path:
L4:PATH_C2_GARPPassed (10)
- MOMENTUM:6.2>=5.5
- ASYMMETRY:2.3>=1.5
- INSIDER:OK
- DEATH_CROSS:QUALITY_MOMENTUM_EXEMPT
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:36d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
- SECTOR_CONCENTRATION_CAP:sector=Financial Services:2/10
Failed (0)
none
Warning (1)
- DEATH_CROSS:quality=8.8>=7.5+momentum=6.2>=5.0 exempted
Reward-to-Risk
2.29
Upside
+12.3%
Downside
5.4%
Sizing output
HALF
SetupRECOVERY — Death cross but MACD improving, RSI 53
EdgeNO_EDGE — No clear edge identified
SuitabilityCONSERVATIVE — Beta 0.77<0.8, Div 82.0%, Q=8.8
Investment implication
The C-path quality+growth combination triggered the STRONG_BUY_NOW verdict: quality 8.8 and growth 7.9 both clear their thresholds, with asymmetric R:R of 2.29 supporting the read.
The strongest dimensions are Quality at 8.8, Growth at 7.9, and Sentiment at 7.6; the weakest are Value at 4.1, Technical at 5.0, and Insider at 5.0. The V9 engine cleared all gates with 1 warning, producing an asymmetric reward-to-risk of 2.29 and an engine sizing output of HALF.