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Visa V Q3 2025 earnings

Reported July 29, 2025 · After market close

Revenue$10.2BBeat by $324.3M
EPS$2.98Beat by $0.13
Revenue estimate$9.8B
EPS estimate$2.85

Next report

Oct 27, 2026 (in 2 months)
Revenue estimate$12.1B
EPS estimate$3.43

Financials

Q3 2025

Income statement

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Revenue$10.2B+14.3%
Gross profit$9.9B+14.3%
Operating income$6.2B+4.0%
Net income$5.3B+8.2%
EPS (diluted)$2.69+12.1%

Balance sheet

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Cash & equivalents$24.4B+26.8%
Total debt$30.7B+48.9%
Total equity$38.7B-2.7%
Total assets$100.02B+9.9%

Cash flow

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Operating cash flow$6.7B+31.1%
CapEx$421.0M+5.3%
Free cash flow$6.3B+33.3%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$686.91B+30.9%
Enterprise value$693.15B+31.8%
P/E33.9×+6.4×
P/S17.7×+2.6×

Profitability

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Gross margin97.8%0.0pp
Operating margin62.2%-3.1pp
Net margin52.2%-2.6pp
FCF margin56.8%+2.5pp

Returns & leverage

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Return on equity51.8%+3.2pp
Debt / equity0.8×+0.3×
Current ratio1.1×-0.3×

Segments

By product

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Data processing revenue$5.2B+14.8%
Service revenue$4.3B+9.2%
International transaction revenue$3.6B+13.7%
Other revenue$1.0B+31.8%
Client incentives-$4.0B-12.5%

FAQ

When did Visa report Q3 2025 earnings?
Visa (V) reported Q3 2025 earnings on July 29, 2025 after market close.
What were Visa's Q3 2025 revenue and EPS?
Visa reported revenue of $10.2B and eps of $2.98 for Q3 2025.
Did Visa beat estimates in Q3 2025?
Revenue beat the consensus estimate of $9.8B by $324.3M. EPS beat the consensus estimate of $2.85 by $0.13.
Where can I find Visa's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001403161-25-000051) and the 10-Q periodic report (0001403161-25-000052) directly on SEC EDGAR. The filing index links above go to sec.gov.