What is Visa's europe — effective interest rate (as a percent)?

Visa (V) reported europe — effective interest rate (as a percent) of 4.0% in Q1 2026.

How has Visa's europe — effective interest rate (as a percent) changed year-over-year?

Visa's europe — effective interest rate (as a percent) increased by 58.9% year-over-year, from 2.5% to 4.0%.

What is the long-term trend for Visa's europe — effective interest rate (as a percent)?

Over 2 years (2023 to 2025), Visa's europe — effective interest rate (as a percent) has grown at a 13.8% compound annual growth rate (CAGR), from 10.1% to 13.1%.

What does europe — effective interest rate (as a percent) mean?

The true annual cost of borrowing for European debt, including all fees and adjustments.

Geographic · Effective interest rate (as a percent)

Europe — Effective interest rate (as a percent)

Visa Europe — Effective interest rate (as a percent) remained flat by 0.0% to 4.0% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 58.9%, from 2.5% to 4.0%. Over 2 years (FY 2023 to FY 2025), Europe — Effective interest rate (as a percent) shows an upward trend with a 13.8% CAGR. This is a positive signal — lower values indicate better performance for this metric.

Analysis

StatementSegment

CategoryLeverage

SignalLower is better

VolatilityModerate

First reportedQ3 2022

Last reportedQ2 2026Apr 29, 2026

Rolls up toDebt Instrument - Effective Interest Rate

How to read this metric

A higher rate indicates increased real borrowing costs, while a lower rate reflects more efficient debt management or favorable market conditions.

Detailed definition

The actual interest rate incurred on European segment debt, accounting for the amortization of discounts, premiums, and...

Peer comparison

Comparable to the effective interest rate or yield to maturity reported by peers on their debt portfolios.

Metric ID: v_segment_europe_effective_interest_rate_as_a_percent

Historical Data

16 periods

	Q3 '22	Q4 '22	Q1 '23	Q2 '23	Q3 '23	Q4 '23	Q1 '24	Q2 '24	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26
Value	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	4%	4%	4%	4%
QoQ Change	—	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+58.9%	+0.0%	+0.0%	+0.0%
YoY Change	—	—	—	—	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+58.9%	+58.9%	+58.9%	+58.9%

Range2.5% – 4%

CAGR+13.1%

Avg YoY Growth+19.6%

Median YoY Growth+0.0%

Current Streak15+ quarters growth

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Frequently Asked Questions

What is Visa's europe — effective interest rate (as a percent)?: Visa (V) reported europe — effective interest rate (as a percent) of 4.0% in Q1 2026.
How has Visa's europe — effective interest rate (as a percent) changed year-over-year?: Visa's europe — effective interest rate (as a percent) increased by 58.9% year-over-year, from 2.5% to 4.0%.
What is the long-term trend for Visa's europe — effective interest rate (as a percent)?: Over 2 years (2023 to 2025), Visa's europe — effective interest rate (as a percent) has grown at a 13.8% compound annual growth rate (CAGR), from 10.1% to 13.1%.
What does europe — effective interest rate (as a percent) mean?: The true annual cost of borrowing for European debt, including all fees and adjustments.