Visa Inc.
Shortcut
3.45Normalized diluted EPS
+0.2% vs Street
Street
3.44Normalized diluted EPS
October 25 consensus snapshot
Real
3.48Issuer non-GAAP diluted EPS
Model download
Explore the assumptions and calculations behind the forecast.
Shortcut’s reasoning.
Guidance (Jul-28-2026): 4Q non-GAAP nominal revenue growth low-double-digit to low-teens and EPS growth mid-teens (consensus guidance $3.43); consensus $3.44 sits at the midpoint.
Service revenue is largely locked: Apr-Jun 2026 payments volume $4,007bn (+10.7% nominal) x service yield +2.75% Y/Y gives $5,236m (+13.8%).
Quarter-to-date data through end-August (Sep-8 conference): cross-border ~14% vs 12% in 3Q, transactions ~10%, U.S. volume ~9%; offset by FX volatility at multi-year lows (ITR yield -4.5%) and incentives +19% per guidance.
On the record.
- Reporting period
- FQ4 2026 (fiscal quarter ended 2026-09-30; supplied label "FQ4 2026 - Sep 2026")
- Reporting basis
- Visa non-GAAP normalized diluted EPS, USD per Class A common-share equivalent
- Consensus snapshot
- October 25, 2026
- Model / effort
- Opus 5.5 · High effort
- Workbook
- Reviewed workbook
Record history
- Forecast generated
- Oct 27, 2026 at 1:18 AM PDT
- Original author completed
- Oct 27, 2026 at 12:07 AM PDT
- Reviewed revision completed
- Oct 27, 2026 at 1:18 AM PDT
- First published
- Oct 27, 2026 at 11:06 AM PDT
Result basis
Visa reports fiscal Q4 non-GAAP diluted EPS of $3.48 and GAAP diluted EPS of $3.19 for September 30. USD per Class A common-share equivalent, without ADR conversion, matches the published issuer non-GAAP convention.