Visa Inc.
V
CONSTRUCTIVE MEDIUM EQUITY
DEMO
$140.20
-2.51% 1-day change from the stored snapshot · 27 hours ago
DEMO DATASET
last stored bar 2026-10-23 · scores computed 2026-10-23 17:35:22 · every figure below is read from these rows, nothing is computed in the browser
Price · stored daily bars
126 bars ending 2026-10-23 · demo data
1M
3M
6M
1Y
2Y
5Y
MAX
SMA 20
SMA 50
SMA 200
Bollinger
VWAP
Indicators are computed from the same stored closes the score used; the forecast fan is drawn from qm_predictions, not from a live model call.
how this is drawn
Open $143.07
Day range $145.07 / $138.02
Prev close $143.81
Volume 27.6M
RVOL 30d 1.38× session volume over stored 30-day average
Avg $ volume $2.79B
Market cap $265B
HV20 32.7% ann.
Beta 0.73
RSI(14) 52.3
ATR % 4.08%
Max drawdown -54.8%
52-week range from $125.92 to $251.68
52-week low / high $125.92 / $251.68
From 52w high -44.3%
Liquidity not stored days of average volume to fill 1% of float
Forecast
Stored scenarios from the last pipeline run. The model that wrote them is named on each row; no forecast is generated when you look at this page.
1D +1.5%
5D +2.0%
1M +5.0%
3M +9.0%
6M +12.0%
12M +17.5%
Horizon Ref Bull high Base range Bear low
P10 → P90 P(up) Confidence Risk
1D
2026-10-23 17:35:22
140.20
144.41 +3.0%
138.80 → 142.30 -1.0% … +1.5%
136.70 -2.5%
137.40 → 143.71
53.0% 67 760 bars, blended vol 30%, score 58, coverage 100%%
LOW
HV 30.1% ann. · 760 bars
5D
2026-10-23 17:35:22
140.20
147.21 +5.0%
137.40 → 143.00 -2.0% … +2.0%
133.19 -5.0%
134.59 → 145.81
53.0% 67 760 bars, blended vol 30%, score 58, coverage 100%%
LOW
HV 30.1% ann. · 760 bars
1M
2026-10-23 17:35:22
140.20
155.62 +11.0%
134.59 → 147.21 -4.0% … +5.0%
126.18 -10.0%
130.39 → 152.82
53.0% 67 760 bars, blended vol 30%, score 58, coverage 100%%
LOW
HV 30.1% ann. · 760 bars
3M
2026-10-23 17:35:22
140.20
167.54 +19.5%
131.79 → 152.82 -6.0% … +9.0%
117.07 -16.5%
123.38 → 161.23
53.0% 67 760 bars, blended vol 30%, score 58, coverage 100%%
LOW
HV 30.1% ann. · 760 bars
6M
2026-10-23 17:35:22
140.20
178.05 +27.0%
127.58 → 157.02 -9.0% … +12.0%
106.55 -24.0%
114.96 → 169.64
53.0% 67 760 bars, blended vol 30%, score 58, coverage 100%%
MEDIUM
HV 30.1% ann. · 760 bars
12M
2026-10-23 17:35:22
140.20
192.78 +37.5%
122.68 → 164.74 -12.5% … +17.5%
94.64 -32.5%
105.15 → 182.26
53.0% 67 760 bars, blended vol 30%, score 58, coverage 100%%
MEDIUM
HV 30.1% ann. · 760 bars
Bull case
If RSI mid-range — room to extend, fundamentals scoring above the coverage median, a volatility-compressed setup resolving upward would accelerate the move, the upside path is the 80–95th percentile band shown here.
band +1.5% … +3.0% · 140.20 – 140.20
Base case
mildly positive
band -1.0% … +1.5% · 140.20 – 140.20
Bear case
Downside triggers: a market-wide risk-off move alone can carry the 5–20th percentile band. Treat the 5–20th percentile band as the stress case for sizing, not as a worst case.
band -2.5% … -1.5% · 140.20 – 140.20
Catalysts the model is watching
Earnings report 2026-10-23 (as scheduled)
Demo synthetic: V completes share buyback tranche
Demo synthetic: V completes share buyback tranche
Demo synthetic: V completes share buyback tranche
Street target implies 8.4%
Key risks & invalidation
Historic drawdown deeper than 55%
Binary event: 2026-10-23
Model assumptions
Realised volatility stays near its recent level (blended 30.1% annualised).
The scoring tilt persists over the window; no structural break (fraud, delisting, forced guidance cut).
Returns are approximated as lognormal; fat tails are handled by widening, not by point forecasts.
Index regime assumed: sideways.
Close below the 177.12 support band or the strategy stop.
Earnings or regulatory headline that changes forward estimates by more than the modelled window σ.
Volatility expanding beyond 48% annualised invalidates position sizing.
Loss of the fundamental pillars used in the score (guidance cut, covenant breach, auditor change).
Reference price 140.20 at
2026-10-23 17:35:22 · regime at generation
sideways · data
demo · freshness
0s.
These bands are conditional distributions from stored inputs, not advice or a promise about outcomes.
Fundamentals
Latest stored period · FY2026 · filed 2026-12-31
Revenue $68.2B YoY +7.9%
EPS (TTM) 10.75 growth +9.1%
Net income $20.3B
Free cash flow $15.7B margin 25.2%
Gross margin 67.7%
Operating margin 33.6%
ROE 40.2%
ROIC 15.8%
Debt / equity 2.30
Current ratio 1.21
Interest cover 11.47×
Net debt $31.6B
P/E 13.13×
P/E forward 12.06×
PEG 1.49
P/S · P/B · EV/EBITDA 3.91 · 5.28 · 9.05
Dividend yield 1.71% payout 24%
Buyback yield 1.14%
Profit margin 29.8%
Cash $6.06B
Stored periods (raw rows, newest first)
Period Revenue Revenue YoY EPS Gross margin Op margin FCF margin ROE Filed FY2026 FY $68.2B +7.9% 10.75 67.7% 33.6% 25.2% 40.2% 2026-12-31 FY2025 FY $63.0B +9.0% 9.93 69.9% 34.6% 28.9% 29.3% 2025-12-31 FY2024 FY $56.9B +8.4% 8.96 71.2% 30.4% 30.1% 15.8% 2024-12-31 FY2023 FY $51.5B +9.5% 8.12 62.7% 33.8% 28.7% 14.8% 2023-12-31 Q4 2026 Q $12.9B +9.5% 2.03 62.7% 33.8% 28.7% 14.8% 2026-07-01
Earnings and estimates
Next stored report 2026-12-10 · 0 day(s) away
Implied move 9.2% from the stored option chain
EPS estimate 2.71
Revenue estimate $17.1B
Consensus index 50.0 stored on 0–100 in the snapshot; higher = more constructive
% buy ratings not stored null on this row — the snapshot job did not store it
Target upside not stored
Gap risk 0.53% median overnight gap
Time of day amc
Report EPS est EPS actual Surprise Rev est Rev actual Guidance Source 2026-12-10 2.71 not stored not stored $17.1B not stored none synthetic_demo 2026-10-23 2.58 not stored not stored $17.1B not stored none synthetic_demo 2026-07-19 2.84 3.23 +13.6% $17.1B $17.1B maintain synthetic_demo 2026-06-01 2.53 2.62 +3.6% $17.1B $16.4B maintain synthetic_demo 2026-04-14 2.79 3.23 +16.0% $17.1B $16.9B maintain synthetic_demo 2026-02-25 2.93 2.79 -4.9% $17.1B $16.9B raise synthetic_demo 2026-01-08 2.83 3.28 +16.1% $17.1B $17.7B lower synthetic_demo 2025-11-21 2.64 2.63 -0.6% $17.1B $17.4B maintain synthetic_demo
As of Horizon EPS avg EPS high EPS low Revenue Analysts 90d revisions 2026-10-23 FY1 12.70 13.19 10.70 $70.2B 17 9 / 2 2026-10-23 FY2 12.12 12.31 10.75 $74.4B 31 9 / 1 2026-10-23 Q1 2.97 3.17 2.27 $18.3B 14 1 / 6 2026-10-23 Q2 3.07 3.14 2.79 $18.7B 24 4 / 0
Analyst actions
Stored rating changes and targets. The consensus numbers are the same ones the sentiment component read.
Date Firm Action From To Target Consensus % buy 2026-10-04 Kestrel Analytics downgrade Buy Sell $145.19 1.78 70% 2026-08-19 Kestrel Analytics maintained Buy Buy $160.50 1.78 58% 2026-07-07 Halcyon Partners downgrade Buy Buy $177.81 1.78 57% 2026-05-17 Meridian Research initiated Neutral Neutral $149.18 1.78 70% 2026-04-06 Northgate Securities upgrade Hold Buy $127.38 1.78 67%
Ownership, insiders and short interest
Inst. position change -61.9% reported change vs the prior stored quarter
Net insider (USD) not stored
Short % of float 13.8%
Days to cover 28.6
Period end Holder Type Shares Value % float Change 2026-09-01 State Street Global Advisors fund 100M $14.0B 8.6% not stored 2026-09-01 State Street Global Advisors fund 100M $14.0B 8.6% not stored 2026-09-01 State Street Global Advisors fund 100M $14.0B 8.6% not stored 2026-09-01 State Street Global Advisors fund 100M $14.0B 8.6% not stored 2026-09-01 State Street Global Advisors fund 100M $14.0B 8.6% not stored 2026-09-01 Capital Research Global fund 68.4M $9.58B 5.8% not stored 2026-09-01 Capital Research Global fund 68.4M $9.58B 5.8% not stored 2026-09-01 Capital Research Global fund 68.4M $9.58B 5.8% not stored
Ex-date Pay date Amount Frequency Yield at ex 2026-09-04 2026-09-22 $0.599 quarterly 1.71% 2026-06-19 2026-07-07 $0.602 quarterly 1.71% 2026-03-06 2026-03-24 $0.604 quarterly 1.71% 2025-11-28 2025-12-16 $0.607 quarterly 1.71% 2025-09-19 2025-10-07 $0.609 quarterly 1.71% 2025-05-30 2025-06-17 $0.611 quarterly 1.71% 2025-02-28 2025-03-18 $0.614 quarterly 1.71% 2024-11-29 2024-12-17 $0.616 quarterly 1.71% 2024-09-13 2024-10-01 $0.619 quarterly 1.71%
Options
Stored chain for expiry 2026-11-06 · 9 call / 9 put strikes
Strikes stored 18 9 calls / 9 puts on this expiry
Chain volume 84.3k contracts across all listed strikes
Chain open interest 616k
Chain IV (mean) 28.3% the column stores a fraction; ×100 for display
Put/call volume 0.523 from the daily aggregate row for 2026-10-23
Call / put volume 41.7k / 21.8k
IV30 25.2% stored as a fraction
HV30 25.6% realised 30-day vol
IV rank 74.5 /100
OI change -4.4% percent, as stored
Expiries stored 4
Chain as of 2026-10-23 17:35
News mentioning V
Stored headlines linked to this security, newest first. Sentiment scores come from the stored scorer, not from this page.
Demo synthetic: V completes share buyback tranche
other
15 days ago
+43% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: V completes share buyback tranche
other
15 days ago
+43% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: V completes share buyback tranche
other
15 days ago
+43% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: V completes share buyback tranche
other
15 days ago
+43% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: V completes share buyback tranche
other
15 days ago
+43% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: street lifts V target after channel checks
analyst
19 days ago
+71% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: street lifts V target after channel checks
analyst
19 days ago
+71% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: street lifts V target after channel checks
analyst
19 days ago
+71% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: street lifts V target after channel checks
analyst
19 days ago
+71% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Demo synthetic: street lifts V target after channel checks
analyst
19 days ago
+71% sentiment importance 0
Synthetic demo item generated to exercise the sentiment pipeline. No external source; no factual content.
Score qm_ai_scores row #806
58.3
composite / 100 · model score-1.0.0
CONSTRUCTIVE
risk MEDIUM
confidence 62
Technical 25
57.4
Fundamental 25
65.4
Momentum 15
40.8
Sentiment 10
73.9
Institutional 10
26.5
Risk 15
76.2
Why the model scored it this way
SENTIMENT
Analyst Distribution
100
123% Buy/Strong Buy · 0% Hold · 0% Sell/Short
RISK
Liquidity
96
Average $2787.7M traded per session
SENTIMENT
Recent Headline Tone
95
Last items: 10 positive / 0 negative headlines
RISK
Gap Risk
95
Median overnight gap 0.53% — position sizing must survive opens
RISK
Beta
93
Beta 0.73 vs the reference index
RISK
Correlation
93
Correlation to benchmark 0.63-year rolling: 0.45
SENTIMENT
Estimate Revisions
92
Net EPS estimate revisions (90d): 14
FUNDAMENTAL
Return On Equity
90
ROE 40.2%
RISK
Market Risk
85
Benchmark volatility 20.1% · regime: Sideways · normal vol · risk-off
FUNDAMENTAL
Gross Margin
84
Gross margin 67.7%
FUNDAMENTAL
Operating Margin
84
Operating margin 33.6%
RISK
Sector Risk
82
Sector average volatility 26.6%
FUNDAMENTAL
Free Cash Flow
82
FCF margin 25.2%
FUNDAMENTAL
Coverage
81
Interest coverage 11.5×
Scored on synthetic demonstration data . Directionally realistic, not a forecast of any real market.
Category ranks Position among scored securities in each evidence category.
Category Score Rank Evidence VALUE 60.6 1 P/E 13.1× · PEG 1.49 · P/B 5.3× with ROE 40.2% VALUE 60.6 1 P/E 13.1× · PEG 1.49 · P/B 5.3× with ROE 40.2% VALUE 60.6 1 P/E 13.1× · PEG 1.49 · P/B 5.3× with ROE 40.2% VALUE 60.6 1 P/E 13.1× · PEG 1.49 · P/B 5.3× with ROE 40.2% VALUE 60.6 1 P/E 13.1× · PEG 1.49 · P/B 5.3× with ROE 40.2%
Levels Stored support/resistance from the snapshot row, not drawn from the chart in the browser.
Resistance (stored)
$146.71
Support (stored)
$155.35
20-day SMA
$137.32
50-day SMA
$138.87
200-day SMA
$177.12
Trend
up
Above SMA50 / SMA200
yes / no From 52w high
-44.3% MACD histogram
0.729
RSI(14)
52.3
Relative strength (3m)
-5.5% RS rank
not stored /100
Sentiment Stored buckets (each row is one scoring run over the news window).
Bucket start Score Label Mentions Method 2026-10-20 13:00 -35% negative 40 synthetic demo tone index — not real sentiment 2026-10-20 14:00 -35% negative 40 synthetic demo tone index — not real sentiment 2026-10-20 16:00 -35% negative 40 synthetic demo tone index — not real sentiment 2026-10-20 17:00 -35% negative 40 synthetic demo tone index — not real sentiment 2026-10-23 13:00 -12% neutral 23 synthetic demo tone index — not real sentiment 2026-10-23 14:00 -12% neutral 23 synthetic demo tone index — not real sentiment 2026-10-23 16:00 -12% neutral 23 synthetic demo tone index — not real sentiment 2026-10-23 17:00 -12% neutral 23 synthetic demo tone index — not real sentiment
Stored catalysts Earnings report 2026-10-23 (as scheduled) Demo synthetic: V completes share buyback tranche Demo synthetic: V completes share buyback tranche Demo synthetic: V completes share buyback tranche Street target implies 8.4% Stored risks Historic drawdown deeper than 55% Binary event: 2026-10-23
Same sector Ranked by stored composite score.
Symbol Price 1d Score Stance AXP $85.64 +1.27% 62.2 CONSTRUCTIVE BLK $163.48 -1.00% 61.9 CONSTRUCTIVE MS $119.95 -1.77% 61.4 CONSTRUCTIVE GS $158.50 -0.61% 60.5 CONSTRUCTIVE JPM $182.59 -0.18% 59.6 CONSTRUCTIVE SPGI $56.91 +0.22% 58.6 CONSTRUCTIVE
Validation
Forecasts on this symbol whose horizon has matured, scored against the stored bars.
Nothing to score yet: settle the matured forecasts with
php bin/pipeline.php --cmd=settle and this table fills with realised-versus-forecast rows.
Symbol Price 1d Cap P/E PEG P/S P/B Rev growth EPS growth ROE Gross Op margin MA $137.21 -0.01% $258B 10.57× 2.21 2.83× 2.10× +5.0% +6.3% 19.8% 52.1% 28.6% AXP $85.64 +1.27% $215B 13.56× 2.38 3.54× 4.79× +6.8% +5.7% 35.3% 60.2% 27.5% MS $119.95 -1.77% $320B 9.72× 1.82 3.10× 6.04× +6.5% +5.0% 62.2% 72.2% 38.2% WFC $186.51 -0.43% $171B 11.55× not stored 1.53× 6.42× -3.3% -2.0% 55.6% 26.8% 15.0% GS $158.50 -0.61% $377B 11.05× 1.11 3.77× 4.75× +9.0% +11.2% 43.0% 73.3% 36.7% BAC $190.67 -2.06% $148B 7.70× 6.45 1.25× 5.54× +0.2% +1.3% 71.9% 31.4% 18.3% JPM $182.59 -0.18% $388B 13.90× 1.31 4.04× 3.10× +11.6% +9.8% 22.3% 60.2% 29.2% SPGI $56.91 +0.22% $137B 9.88× 1.07 2.31× 2.10× +7.8% +8.7% 21.3% 51.5% 27.8% BLK $163.48 -1.00% $418B 11.67× 3.11 2.65× 5.73× +5.1% +4.5% 49.1% 48.0% 26.4%
What this page did not do.
It did not fetch a quote, call an external model, or extend the chart. It read
156000 stored bar rows in total across the universe (demo data,
last trade 2026-10-23), and the score shown here was written at
2026-10-23 17:35 by model score-1.0.0.