Symbols

Is visa expected to make estimated quarterly earnings

4/18/2025 03:16am

``` The deep research logic is organized as follows: Okay, let's tackle this question: "Is Visa expected to make estimated quarterly earnings?" The user is asking whether Visa is anticipated to meet or beat its estimated quarterly earnings. First, I need to look through the provided references to gather relevant data. The key points here would be the estimated EPS, the actual reported EPS, and any analyst expectations or revisions. Looking at Reference 1, it shows the estimated EPS for Visa as $2.66 for the quarter ending December 31, 2024. Then, in Reference 2, Visa reported a non-GAAP EPS of $2.75, which beat the estimate. Reference 3 mentions the consensus estimate was $2.66 per share, and Reference 4 notes that the EPS missed the estimate by 2.4%, but wait, that seems conflicting. Wait, Reference 4 says the EPS was $2.75, which is above the estimate of $2.66, so maybe there's a typo there. Let me check again. Reference 4's abstract says "EPS: US$2.75 (up from US$2.40 in 1Q 2024). All figures shown in the chart above are for the trailing 12 month (TTM) period Visa Revenues Beat Expectations, EPS Falls Short." Wait, that's confusing. The actual EPS is $2.75, which is higher than the estimate of $2.66, so why does it say "EPS Falls Short"? Maybe there's a mix-up between GAAP and non-GAAP. Reference 2 clarifies that the GAAP EPS was $2.58, slightly below the estimated $2.65, while the non-GAAP EPS was $2.75, exceeding estimates. So the user's question is about the estimated quarterly earnings, which could refer to either GAAP or non-GAAP. The references mention both, so I need to clarify that. Reference 3 (from Nasdaq) states the expected EPS is $2.66, which aligns with Reference 1. Reference 2 reports that the non-GAAP EPS beat the estimate, while the GAAP EPS missed. Reference 4 might be referring to the GAAP EPS missing the estimate, hence the confusion. The user's question is a bit ambiguous, but given the context, they're likely asking about the consensus estimate, which is $2.66. Since Visa reported a non-GAAP EPS of $2.75, which is higher, they beat the estimate. However, the GAAP EPS was $2.58, which missed the $2.65 estimate. So the answer depends on which EPS is being referred to. The user's profile mentions interest in tech and blue-chip stocks, so Visa as a tech-related financial services company fits. They also use technical analysis and news-driven strategies, so the earnings beat/miss is crucial for their strategy. I need to structure the answer to first state the conclusion: Visa beat the estimated non-GAAP EPS but missed the GAAP estimate. Then provide the details, citing the references. Also, include the visualization for the estimated earnings query (Reference 1) and the analyst consensus estimates (Reference 13). Check if all required visualizations are included. The user's question triggers the "V Estimated Earnings" query (Reference 1) and "Visa (V) Q1 2025 analyst consensus estimates" (Reference 13). Both need to be visualized. Make sure to highlight the key points: the beat on non-GAAP, miss on GAAP, revenue beat, analyst ratings, and future outlook. Also, mention the user's interest in tech and how Visa's position in digital payments aligns with that. Potential risks like regulatory issues and FX headwinds should be noted, as per Reference 10. Analyst price targets and ratings from Reference 10 can show the market sentiment. Ensure the answer is comprehensive, adheres to the format requirements, includes citations, and visualizations in the correct places. Also, start with a clear conclusion as per the logic requirement. ``` **Conclusion:** Visa Inc. (V) **beat its estimated non-GAAP earnings per share (EPS) of $2.66** for Q1 2025, reporting **$2.75**, while its GAAP EPS of $2.58 slightly missed the $2.65 estimate. Below is the detailed analysis: --- ### **Key Earnings Highlights** 1. **Non-GAAP EPS Beat**: Visa reported **$2.75 non-GAAP EPS**, exceeding the consensus estimate of $2.66 (+3.4% surprise), driven by strong cross-border volume growth (+16% YoY) and holiday season spending. 2. **Revenue Outperformance**: Net revenue reached **$9.5 billion** (+10% YoY), surpassing the $9.34 billion estimate, reflecting robust payment volume growth (+9% YoY). 3. **GAAP EPS Miss**: GAAP EPS of **$2.58** fell short of the $2.65 estimate, due to higher operating expenses (+22% YoY). --- ### **Analyst Sentiment & Price Targets** - **Bullish Consensus**: Analysts maintain a **"Strong Buy"** rating (27 out of 36 analysts), with price targets ranging from $363 (BofA) to $400 (Keefe, Bruyette & Woods). - **Catalysts**: - **Cross-border growth**: Visa’s global network processed **63.8 billion transactions** (+11% YoY), with international transaction revenue up **14%**. - **AI adoption**: Visa’s acquisition of Featurespace (real-time AI fraud detection) strengthens its competitive edge in digital payments. - **Risks**: Regulatory scrutiny (antitrust concerns) and foreign exchange headwinds remain key challenges. --- ### **Relevance to Tech-Focused Investors** Visa’s leadership in **digital payments** (a core tech sector) aligns with the user’s interest in AI-driven innovation and blue-chip stability. Its **$5.1 billion shareholder returns** (dividends + buybacks) and **54% profit margin** (albeit down from 56% YoY) underscore its financial resilience. --- ### **Strategic Takeaway** Visa’s Q1 performance demonstrates **strength in cross-border and digital payment trends**, which are critical for long-term growth in the tech-driven financial services sector. Investors should monitor its progress in AI integration and regulatory developments ahead of its **February 20 Investor Day**. For investors combining **technical analysis** (e.g., Visa’s 8.5% YTD price growth) with **news-driven strategies**, Visa’s consistent EPS beats and shareholder returns make it a compelling candidate in the MAG7/tech-adjacent financials space.