Industry: N/A | Current Spot Price: $327.61
Moats, margins, and financial health stress-test index.
Risk level of value trap traps, structural declines, or debt strain.
Consensus fair value margin of safety across all active models.
| Valuation Model Variant | Price Target | Upside / Downside% | Model Confidence% |
|---|---|---|---|
| Earnings Power Value | $92.75 | -71.69% | 65.3% |
| Bayesian DCF | $206.11 | -37.09% | 58.5% |
| Markov DDM | $563.89 | 72.12% | 51.2% |
| First Chicago | $323.85 | -1.15% | 51.2% |
| EROIC Spread Model | $73.46 | -77.58% | 54.8% |
| Machine Learning RIV | $164.05 | -49.93% | 40.4% |
| Regime Cross model | $176.60 | -46.09% | 40.2% |
| Sentiment SOTP | $224.64 | -31.43% | 40.2% |
| CUCE Ensemble Model | $229.01 | -30.10% | 15.6% |
| FTNN Topology Model | $304.53 | -7.04% | 5.7% |
| RCMH-DCF Variant | $256.38 | -21.74% | 47.5% |
Determining if Visa Inc. (V) is worth buying in 2026 requires contrasting its current market spot price of $327.61 with our fundamental intrinsic value targets. Our quantitative models suggest that the consensus fair value upside for V sits at -25.1% across active valuation models. If you prioritize conservative baseline asset capitalizations, the zero-growth Earnings Power Value (EPV) floor of $92.75 represents a strong baseline safety net. On the other hand, the 10,000-simulation Bayesian DCF target of $206.11 reflects the fair value accounting for margin progression and long-term cash flow compound potential.
With a Quality of Company (QOC) score of 9.5/10 and a Value Trap Score of 14.0/100, V's financial risk metrics provide deep structural insights. A Value Trap Score of 14.0/100 suggests that the company is currently safely insulated from immediate financial distress, operational structural decline, or a permanent loss of capital, debt distress, or structural operational decline. Meanwhile, the durable moat score (QOC) of 9.5/10 indicates the level of physical, structural, or brand competitive advantage the company retains. At $327.61, the margin of safety should be carefully compared to these fundamental indicators.