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Visa V Q4 2025 Annual earnings

Reported October 28, 2025 · After market close

Revenue$10.7BBeat by $105.2M
EPS$2.98Beat by $0.01
Revenue estimate$10.6B
EPS estimate$2.97

Next report

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

Financials

Q4 2025

Income statement

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Revenue$10.7B+11.5%
Gross profit$10.5B+11.4%
Operating income$6.1B-3.2%
Net income$5.1B-4.3%
EPS (diluted)$2.61-1.5%

Balance sheet

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Cash & equivalents$25.0B+26.4%
Total debt$31.7B+46.1%
Total equity$37.9B-3.1%
Total assets$99.6B+5.4%

Cash flow

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Operating cash flow$6.2B-6.4%
CapEx$389.0M+25.9%
Free cash flow$5.8B-8.0%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$662.6B+20.6%
Enterprise value$669.26B+21.3%
P/E33×+5.2×
P/S16.6×+1.3×

Profitability

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Gross margin97.8%-0.1pp
Operating margin60%-5.7pp
Net margin50.1%-4.8pp
FCF margin53.9%+1.9pp

Returns & leverage

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Return on equity52.1%+1.4pp
Debt / equity0.8×+0.3×
Current ratio1.1×-0.2×

Segments

By product

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Data processing revenue$5.4B+17.0%
Service revenue$4.6B+9.6%
International transaction revenue$3.8B+9.6%
Other revenue$1.2B+21.4%
Client incentives-$4.2B-17.1%

FAQ

When did Visa report Q4 2025 earnings?
Visa (V) reported Q4 2025 earnings on October 28, 2025 after market close.
What were Visa's Q4 2025 revenue and EPS?
Visa reported revenue of $10.7B and eps of $2.98 for Q4 2025.
Did Visa beat estimates in Q4 2025?
Revenue beat the consensus estimate of $10.6B by $105.2M. EPS beat the consensus estimate of $2.97 by $0.01.
How did Visa's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.5% from $9.6B a year earlier and eps grew 10.0% from $2.71.
Where can I find Visa's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001403161-25-000077) and the 10-K periodic report (0001403161-25-000089) directly on SEC EDGAR. The filing index links above go to sec.gov.