Visa Q3 Earnings: EPS Surges 23% as Consumer Spending Stays Strong
Visa (NYSE:V) reported strong fiscal Q3 2025 results with net revenue reaching $10.2 billion, up 14% year-over-year. The company posted GAAP net income of $5.3 billion (up 8%) and non-GAAP net income of $5.8 billion (up 19%).
Key performance metrics showed robust growth with total processed transactions increasing 10% to 65.4 billion. Payments volume grew 8%, while cross-border volume expanded 12%. However, operating expenses rose 35% to $4.0 billion, primarily due to a $615 million litigation provision.
The company maintained strong shareholder returns, repurchasing 14 million shares for $4.8 billion and declaring a quarterly dividend of $0.590 per share. Additionally, Visa issued 鈧�3.5 billion in fixed-rate senior notes in May 2025.
Visa (NYSE:V) ha riportato solidi risultati per il terzo trimestre fiscale 2025 con ricavi netti pari a 10,2 miliardi di dollari, in aumento del 14% rispetto all'anno precedente. La societ脿 ha registrato un utile netto GAAP di 5,3 miliardi di dollari (in crescita dell'8%) e un utile netto non-GAAP di 5,8 miliardi di dollari (in aumento del 19%).
I principali indicatori di performance hanno mostrato una crescita robusta con un numero totale di transazioni processate aumentato del 10% a 65,4 miliardi. Il volume dei pagamenti 猫 cresciuto dell'8%, mentre il volume transfrontaliero 猫 aumentato del 12%. Tuttavia, le spese operative sono salite del 35% a 4,0 miliardi di dollari, principalmente a causa di una accantonamento per contenziosi di 615 milioni di dollari.
L'azienda ha mantenuto solidi ritorni per gli azionisti, riacquistando 14 milioni di azioni per 4,8 miliardi di dollari e dichiarando un dividendo trimestrale di 0,590 dollari per azione. Inoltre, Visa ha emesso 3,5 miliardi di euro in obbligazioni senior a tasso fisso nel maggio 2025.
Visa (NYSE:V) report贸 s贸lidos resultados en el tercer trimestre fiscal de 2025 con ingresos netos que alcanzaron los 10,2 mil millones de d贸lares, un aumento del 14% interanual. La compa帽铆a registr贸 un ingreso neto GAAP de 5,3 mil millones de d贸lares (un 8% m谩s) y un ingreso neto no GAAP de 5,8 mil millones de d贸lares (un 19% m谩s).
Las m茅tricas clave mostraron un crecimiento robusto con un total de transacciones procesadas que aument贸 un 10% hasta 65,4 mil millones. El volumen de pagos creci贸 un 8%, mientras que el volumen transfronterizo se expandi贸 un 12%. Sin embargo, los gastos operativos aumentaron un 35% hasta 4,0 mil millones de d贸lares, principalmente debido a una provisi贸n por litigios de 615 millones de d贸lares.
La compa帽铆a mantuvo fuertes retornos para los accionistas, recomprando 14 millones de acciones por 4,8 mil millones de d贸lares y declarando un dividendo trimestral de 0,590 d贸lares por acci贸n. Adem谩s, Visa emiti贸 3,5 mil millones de euros en bonos senior a tasa fija en mayo de 2025.
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Visa (NYSE:V) a annonc茅 de solides r茅sultats pour le troisi猫me trimestre fiscal 2025 avec un chiffre d'affaires net atteignant 10,2 milliards de dollars, en hausse de 14 % par rapport 脿 l'ann茅e pr茅c茅dente. La soci茅t茅 a enregistr茅 un r茅sultat net GAAP de 5,3 milliards de dollars (en hausse de 8 %) et un r茅sultat net non-GAAP de 5,8 milliards de dollars (en hausse de 19 %).
Les indicateurs cl茅s de performance ont montr茅 une croissance robuste avec un total de transactions trait茅es en hausse de 10 % 脿 65,4 milliards. Le volume des paiements a augment茅 de 8 %, tandis que le volume transfrontalier s'est 茅tendu de 12 %. Cependant, les charges d'exploitation ont augment茅 de 35 % pour atteindre 4,0 milliards de dollars, principalement en raison d'une provision pour litiges de 615 millions de dollars.
L'entreprise a maintenu de solides retours aux actionnaires, rachetant 14 millions d'actions pour 4,8 milliards de dollars et d茅clarant un dividende trimestriel de 0,590 dollar par action. De plus, Visa a 茅mis en mai 2025 3,5 milliards d'euros en obligations senior 脿 taux fixe.
Visa (NYSE:V) meldete starke Ergebnisse f眉r das dritte Fiskalquartal 2025 mit Nettoeinnahmen von 10,2 Milliarden US-Dollar, was einem Anstieg von 14 % gegen眉ber dem Vorjahr entspricht. Das Unternehmen verzeichnete einen GAAP-Nettogewinn von 5,3 Milliarden US-Dollar (plus 8 %) und einen Non-GAAP-Nettogewinn von 5,8 Milliarden US-Dollar (plus 19 %).
Wichtige Leistungskennzahlen zeigten ein robustes Wachstum mit einer Gesamtzahl von verarbeiteten Transaktionen, die um 10 % auf 65,4 Milliarden stieg. Das Zahlungsvolumen wuchs um 8 %, w盲hrend das grenz眉berschreitende Volumen um 12 % zunahm. Die Betriebsausgaben stiegen jedoch um 35 % auf 4,0 Milliarden US-Dollar, haupts盲chlich aufgrund einer R眉ckstellung f眉r Rechtsstreitigkeiten in H枚he von 615 Millionen US-Dollar.
Das Unternehmen hielt starke Aktion盲rsrenditen aufrecht, indem es 14 Millionen Aktien im Wert von 4,8 Milliarden US-Dollar zur眉ckkaufte und eine viertelj盲hrliche Dividende von 0,590 US-Dollar pro Aktie erkl盲rte. Zus盲tzlich gab Visa im Mai 2025 3,5 Milliarden Euro an festverzinslichen Senior Notes aus.
- Net revenue grew 14% year-over-year to $10.2 billion
- Non-GAAP EPS increased 23% to $2.98
- Total processed transactions rose 10% to 65.4 billion
- Cross-border volume grew 12% year-over-year
- Strong capital return with $4.8 billion in share repurchases
- Operating expenses increased 35% due to $615 million litigation provision
- GAAP net income growth of 8% lagged behind revenue growth
- Additional debt taken on through 鈧�3.5 billion senior notes issuance
Insights
Visa delivers strong Q3 with double-digit revenue growth and resilient consumer spending, despite litigation impact on GAAP results.
Visa has delivered an impressive 14% year-over-year revenue growth to
The
The divergence between GAAP operating expense growth (
Consumer spending resilience remains a key narrative, with both discretionary and non-discretionary spending showing strength in the U.S. market. The
Visa continues its substantial shareholder returns, repurchasing 14 million shares for
The company's
Visa Inc. (NYSE: V) announced robust financial results for its fiscal third quarter on July 29, 2025, demonstrating significant growth fueled by resilient consumer spending and a surge in transaction volumes across its global network. The company reported double-digit increases in both revenue and earnings per share, signaling continued strength in its core business operations.
The payments technology giant posted net revenue of
Financial Snapshot: Q3 2025
Visa's performance translated into strong bottom-line results, though a significant litigation provision impacted figures reported under Generally Accepted Accounting Principles (GAAP). The company also provided non-GAAP figures, which it states offer greater transparency into ongoing operational performance by excluding certain items.
- Net Revenue:
$10.2 billion 14% - GAAP Net Income:
$5.3 billion 8% - GAAP Diluted EPS:
$2.69 12% - Non-GAAP Net Income:
$5.8 billion 19% - Non-GAAP Diluted EPS:
$2.98 23%
Revenue Growth and Core Business Drivers
The company's strong revenue performance was directly linked to growth in its key business drivers, which serve as indicators of consumer and commercial payment activity. According to the release, total processed transactions rose by
Further details on its key volume metrics, measured in constant dollars, include:
- Payments Volume: Increased by
8% - Total Cross-Border Volume: Grew by
12% - Cross-Border Volume Excluding Intra-Europe: A key metric for international transaction revenue, this segment saw an
11%
Profitability, Expenses, and Non-GAAP Adjustments
Visa's GAAP net income was
To provide what it considers a clearer view of its core operations, Visa presented non-GAAP results. These adjusted figures exclude the litigation provision,
Executive Insight
"Visa delivered another strong quarter, with
14% net revenue growth,12% GAAP EPS growth and23% non-GAAP EPS growth," stated Ryan McInerney, Chief Executive Officer of Visa. "Consumer spending remains resilient, with continued strength in discretionary and non-discretionary growth in the U.S. Looking ahead, our continued focus on innovation and product development in dynamic areas like AI and stablecoins is helping to shape the future of commerce while delivering sustainable, long-term value for our shareholders."
Shareholder Returns and Corporate Actions
Visa continued its strategy of returning capital to shareholders, repurchasing approximately 14 million shares of its Class A common stock for a total of
Furthermore, the board of directors declared a quarterly cash dividend of
The company also disclosed that on May 15, 2025, it issued
This article is based solely on information provided in Visa Inc.'s press release dated July 29, 2025. The content is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Stock Titan and its writers make no representations as to the accuracy, completeness, or timeliness of the information. Investors should conduct their own due diligence before making any investment decisions.
Source:
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