Europe — Effective interest rate (as a percent)
Geographic · Effective interest rate (as a percent)Visa Europe — Effective interest rate (as a percent) remained flat by 0.0% to $0.04 in Q3 2025 compared to the prior quarter. Year-over-year, this metric grew by 58.9%, from $0.03 to $0.04. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryLeverage
SignalLower is better
VolatilityModerate
First reportedQ2 2022
Last reportedQ3 2025
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_percentHistorical Data
14 periods
| Q2 '22 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.04 | $0.04 |
| 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% |
| YoY Change | — | — | — | — | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +58.9% | +58.9% |
Range$0.03 – $0.04
CAGR+15.3%
Avg YoY Growth+11.8%
Median YoY Growth+0.0%
Current Streak13+ 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 $0.04 in Q3 2025.
- 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 $0.03 to $0.04.
- What does europe — effective interest rate (as a percent) mean?
- The true annual cost of borrowing for European debt, including all fees and adjustments.