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Jun 30
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.
Visa
Visa
Visa Revenue by Segment
Revenue by Segment
Service Revenue
CapyFin.comData Processing Revenue
CapyFin.comIntl. Transaction Revenue
CapyFin.comOther Revenue
CapyFin.comClient Incentives Revenue
CapyFin.com 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.
- EPS growth moderated by base period comparison.