VISA Inc.
VISA Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in San Francisco, CA. Its filings are on EDGAR under CIK 1403161; the figures the desk reads are not on file yet.
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.6 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.0 out of ten, present 7.7 out of ten, future 6.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 3.2 out of ten. 1 warning event since 2017; the latest 2017-09-11. 32nd percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 5.7 out of ten. +9.7% a year over 7 filed years; profitable in 7 of 7. 57th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 8.3 out of ten. CrossAssetData estimate 8.3/10, confidence 35 of 100 (one part). 82nd percentile among 98 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 6.9 out of ten. ROE 53%: 53¢ of profit per shareholder dollar. Leverage 62%: owes 62¢ per asset dollar. 69th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.4 out of ten. top 16% of 101 in its family; net margin 50.1%. 84th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 7.3 out of ten. top 27% of 67 in its family for leadership; chief executive since 2023. 73rd percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.8 out of ten. top 32% of 99 in its family for room to expand. 68th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.9 out of ten. top 31% of 99 in its family for growth drivers. 69th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.7 out of ten. bottom 37% of 93 in its family for expectations against reality. 37th percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2025-11-06 for the period ended 2025-09-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-29 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-28 (on EDGAR). Newest filing: Form 4, 2026-10-02. Filings on record since 2007. Read from EDGAR 2026-10-12.
Where the revenue comes from
By geography: International 61%, United States 39%. As tagged in its annual report (Form 10-K, filed 2025-11-06).
Who runs it
Mcinerney, Ryan (Chief Executive Officer); Mahon, Tullier Kelly (VICE CHAIR, CHF PPL & CORP AFF); Taneja, Rajat (PRESIDENT, TECHNOLOGY); Suh, Chris (CHIEF FINANCIAL OFFICER); Fabara, Paul D (CHIEF RISK & CLIENT SVCS OFC); Rottenberg, Julie B (GENERAL COUNSEL); Andreski, Peter M (GBL CORP CONTROLLER, CAO); Carney, Lloyd (director); Crawford, Kermit R (director); Fernandez-Carbajal, Francisco Javier (director); and 7 more. 17 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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