InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$402.61

2026-10-16

Market Cap

$751.7B

Volume

6.8M

52-Wk High

$404.74

52-Wk Low

$293.89

Trailing PE

34.2

P/S

16.90

Gross Margin

80.2%

Net Margin

50.8%

ROE

61%

ROIC

34%

Piotroski

5/9

Altman Z

9.2

1-Yr Return

+20.3%

5-Yr Return

+134.7%

Visa Inc. functions globally as a leading technology company dedicated to payments. Its primary role is to enable the secure and efficient digital transfer of funds among a wide array of participants, including individual consumers, retail businesses, banking institutions, corporations, strategic partners, and governmental bodies. At the heart of its operations is VisaNet, a highly sophisticated transaction processing network that handles the critical functions of authorizing, clearing, and settling all payment transactions. In addition to this core infrastructure, the company also provides a variety of card products, innovative digital platforms, and an extensive range of supplementary value-added services. These offerings are distributed under several widely recognized brands, including Visa, Visa Electron, Interlink, VPAY, and PLUS. Demonstrating its commitment to enhancing user experience, Visa Inc. has established a key strategic partnership with Ooredoo in Qatar, focused on improving payment solutions for Visa cardholders and Ooredoo customers within the country. The company was established in 1958 and its corporate headquarters are situated in San Francisco, California.

SectorFinancial ServicesIndustryFinancial - Credit ServicesExchangeNYSEMarket Cap$751.7BEmployees34,100 (SEC-filed)CEORyan McInerneyIPO2008-03-19CountryUS

300 Toni Stone Crossing, San Francisco, CA 94158 · Tel 650 432 3200 · visa.com/en-us

INSIDERSTREET SCORE73 / 100Street mean $424.94 (18 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$58M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · V +20.3% · S&P 500 +15.9% · spread +4.4pp

7 Years vs S&P 500 · V +134.7% · S&P 500 +189.9% · spread -55.1pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE73of 100

Score Breakdown

Profitability	100/100
Growth	65/100
Momentum	77/100
Quality	81/100
Earnings Quality	85/100
Balance Sheet	71/100
Value	38/100
Risk (safety)	100/100
Overall	73.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
MA	77
AXP	56
COF	63
JPM	54
BAC	55
HSBC	55
V	73

IS Score Trend — quarterly

15 quarters, 23 Q1 to 26 Q3. Peak 81 in 23 Q1, latest 73 — -8 since. Dropped below the 75 line in 26 Q3, at 73. Fell in 3 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY73 / 100IS Score 73.5 / 100 · -7.5 from peak of 81

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 86 / 100 · Power +71 · 20 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 73 and price structure at 86 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 73.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 74 → 77 → 76 → 73	the direction matters more than the level
Technical vote share back above 50%	now 100%	price structure no longer broken
Institutional holder count rises two quarters running	peak 4,566 → now 4,549	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

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This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)5 buys2026-09-25

Insider Buys (180d)0none disclosed

ETF Funds (30d)1994 up / 1459 downnet +535 funds

Institutions Added (13F)110managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 4,566 · latest 4,549 (-17 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	4,549	1507.3M	$499.4B	78.8%
2026 Q1	4,439	1464.8M	$425.0B	76.5%
2025 Q4	4,566	1494.3M	$499.9B	78.1%
2025 Q3	4,259	1475.7M	$483.5B	77.1%
2025 Q2	4,296	1504.0M	$513.1B	78.6%
2025 Q1	4,229	1526.4M	$510.2B	79.8%
2024 Q4	4,230	1520.4M	$457.2B	79.5%
2024 Q3	3,817	1525.5M	$396.3B	79.7%
2024 Q2	3,774	1521.4M	$379.9B	79.5%
2024 Q1	3,797	1519.0M	$402.2B	79.4%
2023 Q4	3,715	1510.0M	$373.3B	78.9%
2023 Q3	3,454	1512.1M	$332.3B	79.0%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Mcinerney Ryan	director, Chief Executive Officer	2026-10-01	EXERCISE	5,875	$0.79M	21,049
Mcinerney Ryan	director, Chief Executive Officer	2026-10-01	SELL	5,875	$2.11M	15,174
Mcinerney Ryan	director, Chief Executive Officer	2026-10-01	EXERCISE	5,875	$0.79M	52,874
Rottenberg Julie B	GENERAL COUNSEL	2026-09-09	EXERCISE	1,867	$0.25M	20,271
Rottenberg Julie B	GENERAL COUNSEL	2026-09-09	SELL	1,867	$0.69M	18,404
Rottenberg Julie B	GENERAL COUNSEL	2026-09-09	EXERCISE	1,867	$0.25M	3,734
Mcinerney Ryan	director, Chief Executive Officer	2026-09-01	EXERCISE	5,875	$0.79M	21,049
Mcinerney Ryan	director, Chief Executive Officer	2026-09-01	SELL	5,875	$2.23M	15,174

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	13	162,460	$57.7M	Counted
M — Exercises (paired A/D)	11	132,712	$12.9M	None — mechanics
F — Tax withholding	2	8,706	$3.2M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$57.7M13 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-10-01	Mcinerney Ryan	5,875	$2.1M
2026-09-09	Rottenberg Julie B	1,867	$0.7M
2026-09-01	Mcinerney Ryan	5,875	$2.2M
2026-08-31	Rottenberg Julie B	2,028	$0.8M
Trailing 12 mo	23 filings	247,308	$86M

Filed	Form	Reporting person	% of class	Shares
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.35%	123.7M sh
2026-03-27	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-09-25	2026-10-09
Rich McCormick	House	SELL	$1,001 - $15,000	2026-07-30	2026-08-17
Rich McCormick	House	SELL	$1,001 - $15,000	2026-07-30	2026-08-17
Sheldon Whitehouse	Senate	SELL	$1,001 - $15,000	2026-09-04	2026-10-01
Sheldon Whitehouse	Senate	SELL	$1,001 - $15,000	2026-09-04	2026-10-01
Sheldon Whitehouse	Senate	SELL	$1,001 - $15,000	2026-09-04	2026-10-01

House 12-Mo41 trades26 purchases

Senate 12-Mo12 trades6 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)4,439

13F Shares1.46B76.5% of shares out

New / Closed209 / 249positions, QoQ

Increased / Reduced1,936 / 1,856positions, QoQ

Put/Call (13F)1.06option positions

Free Float91.1%1.70B sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Ninety One Uk Ltd	5.6M	$2.0B
Td Waterhouse Canada Inc.	1.2M	$434M
Fort Washington Investment Advisor	876,124	$315M
Fjarde Ap-Fonden /Fourth Swedish N	764,625	$275M
Wealth Enhancement Advisory Servic	715,209	$242M
Congress Asset Management Co	522,219	$188M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.8%	$19.4B
VSMPX	0.8%	$19.4B
VTI	0.8%	$19.4B
VTSAX	0.8%	$19.4B
VOO	0.9%	$15.8B
VFINX	0.9%	$15.8B

13F Filers Holding V — quarterly

Institutional Put/Call — quarterly

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Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session39.4%2026-10-15

20-Day Avg48.5%50-day 46.5%

TrendRising20d vs 50d

By Market CenterQ: 39% · N: 50% · B: 49%latest session

Weekly Notional ($B)

Where V Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	9.0M	41 sh
Ubsa Ubs Ats	7.7M	42 sh
Sgmt Sigma X2	4.6M	40 sh
Ebxl Level Ats	3.6M	23 sh
Jpmx Jpm-X	2.9M	53 sh
Mspl Ms Pool (Ats-4)	2.8M	91 sh

Where a dollar of Visa Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
Non-US	$24.4B	61%
UNITED STATES	$15.6B	39%

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V (live moat model)Peer median: MA · AXP · COF · JPM · BAC

Component scores from the live moat model. Peer median illustrative.

Moat score 70/100 — Narrow; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Ryan McInerney	CEO & Director
Rajat Taneja	President of Technology
Kelly Mahon Tullier	Vice Chair, Chief People & Corporate Affairs Officer and Corporate Secretary
Christopher Suh	Chief Financial Officer

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)4 of 6recent quarters

Avg Surprise+3.1%

Next Report2026-10-27

Income Quality1.00OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

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Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+10.3%	+21.6%	+11.4%	+10.0%	+11.3%
Gross profit	+10.4%	+23.2%	+10.6%	+10.7%	+11.3%
Operating income	+12.2%	+19.0%	+11.6%	+12.4%	+1.7%
Net income	+13.3%	+21.5%	+15.5%	+14.3%	+1.6%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	24.1	29.3	32.7	35.9	40.0
Cost of revenue	5.0	5.7	6.6	7.0	7.9
Gross profit	19.1	23.6	26.1	28.9	32.1
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	2.5	3.0	3.2	3.8	4.4
Operating income	15.8	18.8	21.0	23.6	24.0
EBITDA	17.4	19.5	22.6	25.6	26.0
D&A	0.8	0.9	0.9	1.0	1.2
Pretax income	16.1	18.1	21.0	23.9	24.2
Income tax	3.8	3.2	3.8	4.2	4.1
Net income	12.3	15.0	17.3	19.7	20.1
Diluted EPS ($)	5.63	7.00	8.28	9.73	10.20
Diluted shares (M)	2,188	2,136	2,085	2,029	1,966

Operating CF$23B

CapEx$1B

Free cash flow$22B

SBC$1B

Buybacks$13B

Net cash change$5B

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Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	15.7	16.3	12.0	20.2
ST investments	2.8	3.8	3.2	1.8
Receivables (net)	4.0	4.5	7.0	7.3
Total current assets	30.2	33.5	34.0	37.8
PP&E (net)	3.2	3.4	3.8	4.2
Goodwill + intangibles	42.9	44.1	45.8	47.5
Total assets	85.5	90.5	94.5	99.6
Accounts payable	0.3	0.4	0.5	0.6
Short-term debt	2.2	0.0	0.0	5.6
Deferred revenue	0.0	-0.1	0.0	0.0
Total current liabilities	20.9	23.1	26.5	35.0
Long-term debt	20.2	20.5	20.8	19.6
Total liabilities	49.9	51.8	55.4	61.7
Shareholders' equity	35.6	38.7	39.1	37.9

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	15.0	17.3	19.7	20.1
D&A	0.9	0.9	1.0	1.2
Stock-based compensation	0.6	0.8	0.9	0.9
Working capital change	(7.7)	(10.0)	(15.4)	(11.8)
Operating cash flow	18.8	20.8	20.0	23.1
Capital expenditures	(1.0)	(1.1)	(1.3)	(1.5)
Investing cash flow	(4.3)	(2.0)	(1.9)	0.7
Buybacks	(11.6)	(12.1)	(16.7)	(13.4)
Dividends paid	(3.2)	(3.8)	(4.2)	(4.6)
Debt issuance / (repay)	2.2	(2.2)	0.0	3.9
Financing cash flow	(12.7)	(17.8)	(20.6)	(19.0)
Free cash flow	17.9	19.7	18.7	21.6

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	33.4%	40.9%	46.5%	50.7%	52.1%	61%
ROA	15.0%	17.8%	19.6%	21.3%	20.7%	23.9%
ROIC	30.2%	39.3%	43.6%	43.5%	48.4%	34.2%
Gross margin	79.4%	80.4%	79.9%	80.4%	80.4%	80.2%
Operating margin	65.6%	64.2%	64.3%	65.7%	60.0%	60.7%
Net margin	51.1%	51.0%	52.9%	55.0%	50.1%	50.8%
EBITDA margin	72.1%	66.6%	69.3%	71.2%	65.0%	65.4%
FCF margin	60.2%	61.0%	60.3%	52.0%	53.9%	—
VALUATION
P/E	38.12	24.52	27.04	27.65	33.04	34.2
P/B	12.48	10.31	12.06	13.95	17.48	21.9
P/S	19.47	12.51	14.30	15.19	16.57	16.90
P/FCF	32.31	20.51	23.71	29.20	30.71	35.8
EV/EBITDA	27.14	18.97	20.68	21.55	25.61	26.2
EV/Revenue	19.57	12.64	14.33	15.35	16.65	17.2
Earnings yield	2.6%	4.1%	3.7%	3.6%	3.0%	2.93%
FCF yield	3.1%	4.9%	4.2%	3.4%	3.3%	2.80%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	1.75	1.45	1.45	1.28	1.08	0.99
Quick ratio	1.75	1.45	1.45	1.28	1.08	0.99
Debt / equity	0.56	0.63	0.54	0.53	0.66	0.68
Debt / assets	25.3%	26.3%	23.2%	22.0%	25.3%	25.2%
Net debt / EBITDA	0.14	0.20	0.04	0.22	0.12	0.40
Interest coverage	32.31	34.71	33.67	38.31	42.08	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.29	0.35	0.37	0.39	0.41	0.47
Receivables turnover	13.44	14.70	15.15	14.81	14.07	12.6
DSO (days)	27	25	24	25	26	29
DPO (days)	16	19	20	22	24	23
Cash conversion cycle	11	6	4	3	2	6
GROWTH (YoY)
Revenue growth	10.3%	21.6%	11.4%	10.0%	11.3%	—
Net income growth	13.3%	21.5%	15.5%	14.3%	1.6%	—
EPS growth	15.0%	24.9%	18.3%	17.8%	4.6%	—
FCF growth	49.6%	23.1%	10.2%	-5.1%	15.4%	—
PER SHARE ($)
EPS (diluted, TTM)	5.66	7.07	8.36	9.86	10.31	11.81
Book value / share	17.28	16.82	18.76	19.54	19.49	18.38
Revenue / share	11.08	13.85	15.81	17.94	20.57	23.25
FCF / share	6.68	8.45	9.54	9.33	11.09	10.98
Cash / share	8.51	8.75	9.75	7.58	11.30	7.21
SHAREHOLDER RETURN & SCORES
Buyback yield	1.8%	3.2%	2.6%	3.1%	2.8%	3.22%
Altman Z-Score	7.60	5.87	6.98	7.50	7.91	9.2
Piotroski F-Score	8	6	9	8	6	5/9
Beneish M-Score	-2.38	-2.62	-2.53	-2.01	-2.59	-2.88

Model	Score	Zone	Note
Piotroski F-Score	5 / 9	Middling
Altman Z-Score	9.2	Safe (>2.99)	Safe
Income quality	1.00	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-2.88	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.84
Interest burden	0.97
Operating margin	62.4%
Asset turnover	0.46×
Financial leverage	2.64×
= ROE	61%

Growth Quality (live)	Value
Revenue stability	0.99
Earnings stability	0.98
Earnings persistence	0.95
Revenue CAGR 3y	11.8%
EPS CAGR 3y	13.7%
FCF CAGR 3y	4.0%

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Buyback Yield3.22%

Dividend Yield0.67%

Total Shareholder Return3.95%cash yield

SBC / Revenue2.1%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
MA	$540.9B	33.9	241%	47.3%	+16.0%	7/9	+12.3%
AXP	$211.8B	19.0	34%	14.4%	+9.4%	9/9	-2.9%
COF	$123.8B	12.5	9%	15.2%	+36.7%	7/9	-0.3%
JPM	$903.0B	14.2	18%	25.7%	+8.0%	8/9	+13.8%
BAC	$358.2B	12.0	11%	18.4%	+3.0%	8/9	—
HSBC	$324.6B	13.5	14%	23.2%	+8.7%	7/9	—
MS	$284.8B	14.2	19%	16.2%	+16.7%	7/9	—
GS	$256.6B	12.5	17%	17.2%	-6.8%	5/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

62 Analysts

Str Sell (0)Sell (0)Hold (9)Buy (53)Str Buy (0)

Mean Target (qtr)$424.9418 targets

Target vs. Price+5.5%last-quarter mean

Next Report2026-10-27street $3.44

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$45.86B	$45.95B / $45.72B	$13.23	$13.28 / $13.13	24
FY2027	$50.82B	$51.39B / $50.24B	$15.04	$15.26 / $14.67	25
FY2028	$56.10B	$58.34B / $54.11B	$17.07	$18.07 / $16.27	17

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$427.50	+6.2%	2
Last Quarter	$424.94	+5.5%	18
Last Year	$401.64	-0.2%	44
All Time	$329.63	-18.1%	130

Rolling mean of published targets vs. last close $402.61. Aggregated from StreetInsider, Benzinga, Investing.

Third-Party Composite Rating

B+

DCF

3/5

ROE

5/5

ROA

5/5

Debt/Eq

3/5

P/E

1/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

V +20.3% vs S&P 500 +15.9% — spread +4.4pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$374.72	+27.89	+7.44%	Above
SMA 50	$372.48	+30.13	+8.09%	Above
SMA 200	$339.03	+63.58	+18.75%	Above
EMA 9	$388.99	+13.62	+3.50%	Above
EMA 21	$379.97	+22.64	+5.96%	Above
EMA 50	$371.72	+30.89	+8.31%	Above
EMA 200	$349.16	+53.45	+15.31%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +7120 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%82

Volume 20%88

Volatility 10%100

Patterns 15%50

This Week100% bullishof 11 price-based votes

4 Weeks Ago36%+64 pts since

12 Weeks Ago45%+55 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$374.72

Price vs SMA 50$372.48

Price vs SMA 200$339.03

EMA 9/21 Cross389.0/380.0

SMA 50/200Golden

ADX DirectionADX 26

Supertrend$381

Parabolic SAR$380

SMA Slope1.720

RSI73.6

Stochastic K/D91/92

StochRSI K/D92/93

Williams %R-4

CCI163

TSI vs Signal29.6

CMO47.3

ROC11.63%

OBV SignalAccum

Chaikin MF0.080

MFI65

Force Index19M

Elder Ray Bull24.77

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 92

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$399.41 / $403.55 / $407.36	S1 / S2	$395.60 / $391.46
Bollinger (20,2)	$347.32 – $402.12	Squeeze	Off
52-wk range	$293.89 – $404.74	Off 52-wk high	-0.5%
ATR (14)	$6.91 (1.7%)	Historical vol	20.8%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+0.2%Jan50%

+2.4%Feb67%

+0.4%Mar53%

+4.9%Apr67%

+1.2%May72%

-0.1%Jun39%

+1.5%Jul61%

+1.5%Aug72%

-1.9%Sep39%

+2.4%Oct67%

+3.0%Nov78%

+2.4%Dec72%

Sample: 18 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	V	S&P 500
Weekly volatility (σ, 1y)	2.85%	1.83%
Best / worst week (1y)	+6.6% / -8.3%	—
Max drawdown (5y, monthly)	-30.6%	—
1-week VaR (95%)	-3.8%	—
Beta (5y)	0.76	1.00

V EQUITY WEATHER (LIVE)PARTLY CLOUDY · +32

Trend+50

Momentum+74

Volume+49

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 1,026 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall+31.9+52.6 vs industry

Trend+49.8+77.6 vs industry

Momentum+73.7+85.7 vs industry

Volume+49.0+74.0 vs industry

Reading	V	Financial - Credit Services n=681	Financial Services n=24,134	All US symbols n=70,435
Overall	+31.9	-20.7	-16.3	-20.5
Trend	+49.8	-27.8	-12.5	-21.3
Momentum	+73.7	-12.0	-4.4	-15.8
Volume	+49.0	-25.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Ryan Mclnerney Chief Executive Officer	$31.6M	76% equity+incentive
Rajat Taneja President, Technology	$22.7M	80% equity+incentive
Kelly Mahon Tullier Vice Chair, Chief People	$14.6M	81% equity+incentive
Chris Suh Chief Financial Officer	$11.2M	72% equity+incentive
Paul Fabara Chief Risk and Client Services O	$9.7M	78% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	52
Social	53
Governance	67
Composite ESG	57

Composite ESG Trend

Filed	8-K contents	Items
2026-09-23	Other Events	8.01
2026-07-28	Earnings Release; Other Events; Exhibits	2.02,8.01,9.01
2026-07-15	Bylaws Amendment; Exhibits	5.03,9.01
2026-06-26	Other Events	8.01
2026-05-12	Material Agreement; Other Events; Exhibits	1.01,8.01,9.01
2026-04-28	Earnings Release; Other Events; Exhibits	2.02,8.01,9.01
2026-02-27	Other Events	8.01
2026-02-13	Regulation FD Disclosure	7.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-28 to 2026-07-28
Analyst estimates	dim/forward_estimates	3 rows · 2026-09-30 to 2028-09-30
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	76 rows · 1987 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-08-31 to 2026-10-01
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	2 rows · 2026-03-27 to 2026-04-30
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Visa Inc. (V)

Visa Inc. (V)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Visa Inc. (V)

Institutions holding — 12 quarters

Visa Inc. (V)

Monthly Net Insider Flow (000 shares)

Signal Summary

Visa Inc. (V)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding V — quarterly

Institutional Put/Call — quarterly

Visa Inc. (V)

Where V Trades in the Dark

Visa Inc. (V)

3.8 · Employees (SEC filings)

Visa Inc. (V)

Visa Inc. (V)

Visa Inc. (V)

Balance Sheet — Full

Cash Flow Statement — Full

Visa Inc. (V)

Visa Inc. (V)

Visa Inc. (V)

Visa Inc. (V)

Street Price Target — Trajectory

Third-Party Composite Rating

Visa Inc. (V)

Visa Inc. (V)

Family Scores (site weights)

Visa Inc. (V)

Visa Inc. (V)

Visa Inc. (V)