Companies /Financial Services
Visa Inc - Class A
NYSE: V Credit Services
$385.45
▲ $10.35 (+2.76%) today
Markets closed · 11:23pm ET

Visa (V) Q3 2026 Earnings

Reported Jul 28, 2026, 4:05pm ET · SEC source
$3.32
Beat +2.76%
EPS · est. $3.23
$11.6B
Beat +2.03%
Revenue · est. $11.4B
−2.0%
Trailing market
V vs S&P since report
6 quarters
Consecutive EPS beats

How Did V Stock React to Q3 2026 Earnings?

% change · around the report
−2%0+2%Jul 28Jul 29report 4:05pm ETearnings−1.1%+1.1%
−2%0+2%Jul 28Jul 29earnings−1.1%+1.1%
V +1.1%S&P 500 −1.1%
−2%0+2%Jul 28Jul 29report 4:05pm ETearnings−1.3%+1.1%
−2%0+2%Jul 28Jul 29earnings−1.3%+1.1%
V +1.1%NASDAQ −1.3%
−2%0+2%+4%Jul 27Aug 5report 4:05pm ETearnings+4.0%+2.5%
−2%0+2%+4%Jul 27Aug 5earnings+4.0%+2.5%
V +2.5%S&P 500 +4.0%
−3%0+3%+6%Jul 27Aug 5report 4:05pm ETearnings+6.0%+2.5%
−3%0+3%+6%Jul 27Aug 5earnings+6.0%+2.5%
V +2.5%NASDAQ +6.0%
+0.58%
Day of report
−0.67%
Next session
−0.05%
One week
+3.49%
30 days

S&P 500 over the same 30 days: +5.47%.

Did V Beat Earnings? Q3 2026 Results

Yes. Visa reported Q3 2026 earnings of $3.32 a share on Jul 28, 2026, beating the $3.23 consensus estimate by 2.8%. Revenue was $11.6B against a $11.4B estimate.

Visa Inc. delivered a strong fiscal third-quarter 2026 performance, with non-GAAP diluted EPS of $3.32 beating the $3.23 consensus estimate by 2.76%, extending the payments giant's streak of consensus EPS beats to four consecutive quarters. Net revenue climbed 14.4% year-over-year to $11.63 billion, clearing the $11.40 billion analyst estimate by 2.03%, as broad-based volume momentum carried the quarter. The single most compelling driver was data processing, which surged 17% year-over-year to $6.04 billion, underpinned by a 10% rise in processed transactions to 71.7 billion and equally solid growth in cross-border volume, which expanded 12% on a constant-dollar basis excluding intra-Europe. Visa returned $6.20 billion to shareholders through buybacks and dividends, repurchasing approximately 14.5 million shares at an average price of $331 per share. The results arrive as Visa's stock recently touched a new 52-week high, reflecting sustained investor confidence in the company's payments infrastructure and profitability outlook heading into the final stretch of its fiscal year.

Key Takeaways
  • Payments volume grew 10% on a constant-dollar basis
  • Cross-border volume excluding intra-Europe grew 12% on a constant-dollar basis
  • Total cross-border volume grew 13% on a constant-dollar basis
  • Processed transactions grew 10% to 71.7 billion
  • Resilient consumer and business spending
  • Data processing revenue growth of 17% year-over-year
  • Other revenue growth of 45% year-over-year

“Visa delivered a strong fiscal third quarter, with net revenue up 14% year-over-year, GAAP EPS up 10% and non-GAAP EPS up 11%. Consumer and business spending remains resilient, and our strategy continues to deliver strong performance across consumer payments, commercial and money movement solutions and value-added services. As the leading hyperscaler of payments globally, we are designing, building and shipping products at an increased velocity, positioning Visa, our clients and the ecosystem to capture the opportunities ahead and drive growth.”

Visa CEO, on the earnings call

V YoY Financials

Q3 2026 vs Q3 2025 · SEC filings Q3 2025 Q3 2026
$0$4.0B$8.0B$12.0B$10.2B$11.6BRevenue$6.2B$6.9BOperating Income$5.3B$5.6BNet Income
$0$4.0B$8.0B$12.0BRevenueOperating IncomeNet Income
V income statement, Q3 2026 versus Q3 2025
Metric Q3 2026 Q3 2025 Year over year
Revenue $11.6B $10.2B +14.4%
Operating Income $6.9B $6.2B +11.3%
Net Income $5.6B $5.3B +6.7%

V Revenue by Segment

Data Processing Revenue$6.0B+17.0%
Service Revenue$4.9B+14.0%
International Transaction Revenue$3.9B+6.0%
Other Revenue$1.5B+45.0%

When Does Visa Report Next?

Expected report date

Figures from SEC filings and company reports. Not investment advice.