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Jun 30, 2025
Visa Q3 2025 Earnings Report
Visa reported strong Q3 2025 results with robust growth in revenue and earnings.
Key Takeaways
Visa posted solid financial results in Q3 2025 driven by strong growth in payments volume, cross-border volume, and processed transactions. The company also returned significant value to shareholders.
Net revenue reached $10.2 billion, up 14% YoY.
GAAP net income was $5.3 billion, with EPS at $2.69.
Non-GAAP EPS rose to $2.98, supported by higher adjusted net income.
Visa returned $6.0 billion to shareholders through buybacks and dividends.
Revenue by Segment
Forward Guidance
Visa expects high-single-digit to low-double-digit revenue growth in Q4 2025, with continued disciplined expense management and earnings growth.
Positive Outlook
- Net revenue projected to grow high-single-digit to low-double-digit YoY.
- Operating expenses expected to grow at a moderate pace.
- EPS expected to grow in the high-single-digit range.
- Foreign currency impact expected to be minimal.
- Stable operating environment projected to continue supporting volume growth.
Challenges Ahead
- Acquisition-related expense impact expected to slightly weigh on margins.
- Ongoing litigation provisions remain a risk factor.
- Macroeconomic uncertainties could affect cross-border activity.
- Elevated marketing and personnel costs may pressure operating leverage.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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