Is V stock a Buy, Sell, or Hold?

Based on our analysis, V is currently a HOLD with moderate confidence. 📊 HOLD: V shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of V stock?

Our analysis estimates the fair value range for V to be between $327.11 and $353.27. The current price is $321.83.

What is the analyst price target for V?

The average Wall Street analyst price target for V is $398.01. This implies a potential upside of 20.0% from current levels.

V Stock Analysis: Buy, Sell, or Hold?

V - VISA Inc.

SERVICES-BUSINESS SERVICES, NEC

$321.83

-9.97 (-3.00%) ▼

HOLD

MODERATE Confidence

Protect Your V Gains

Last Updated: January 30, 2026

Earnings: Jan 29, 2026 0d

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 HOLD: V shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 12.8%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$539.19

Based on 8.4% avg growth

INTRINSIC VALUE TODAY

$334.79

3.9% Margin of Safety

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: V is currently trading at $321.83, which is considered oversold relative to its 30-day fair value range of $327.11 to $353.27. The stock's valuation (Forward PE: 23.0) is in line with its historical norms (25.2). Remarkably, the market is currently pricing in an annual earnings decline of 3.0% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, V is in a downtrend. The price is currently testing key support at $321.56. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.0% recently.

Market Sentiment: V has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $398.01 (+20.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position OVERSOLD

Fair Price Range $327.11 - $353.27

Company Quality Score 60/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 50.0%

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All Signals

BULLISH: Price oversold vs 30-day range
BEARISH: Weak technical setup (25/100)
BULLISH: High volume confirmation
BEARISH: Downward momentum (-3.0%)
BULLISH: Trading below Wall St target ($398.01)

Fair Price Analysis

30-Day Fair Range $327.11 - $353.27

Current vs Fair Value OVERSOLD

Support & Resistance Levels

Support Level $321.56

Resistance Level $333.36

Current Trend Downtrend

Fundamental Context

Forward P/E (Next Year Est.) 22.98

Wall Street Target $398.01 (+20.0%)

Revenue Growth (YoY) 11.5%

Earnings Growth (YoY) -1.4%

Profit Margin 50.1%

Valuation Discount vs History -3.0% cheaper

PE vs Historical 23.0 vs 25.2 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -3.0% (market-implied from PE analysis)

1-Year Target $321.85 (-3%)

2-Year Target $312.19 (-6%)

3-Year Target $302.82 (-9%)

3-Yr Target (if PE normalizes) (PE: 23→25) $332.10 (+0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 23.0, Growth: 12.8%) $476.12 (+44%)

Base: (SPY PE: 22.3, Growth: 12.8%) $462.06 (+39%)

Bear: (PE: 19.0, Growth: 12.8%) $392.75 (+18%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (32x PE), but valuation improves significantly next year (23x PE) as earnings recover.

Trailing PE: 31.86 | Current EPS (TTM): $10.21

Bull Case $506.42 (+53%)

Analyst growth 41.5%, PE expands to 35.0

Base Case $460.38 (+39%)

Market implied 41.5%, PE stable at 31.9

Bear Case $221.18 (-33%)

Severe decline -20.0%, PE contracts to 27.1

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 23.0 to 25.2

Stabilization Target: $363.87 (+9.7%)

PE Expansion Potential: +9.7%

Last updated: January 30, 2026 4:11 PM ET
Data refreshes hourly during market hours. Next update: 5:11 PM

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Technical Signals Check

Is V showing a specific setup today?

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Insider Activity (6 Months)

Buys

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Net

INSIDERS SELLING

Recent Transactions

Ryan Mcinerney SELL 10485 shares 2025-10-01

Val T. Hoyle SELL 2025-09-23

Michael T. McCaul SELL 2025-08-21

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