Core Insights - The article emphasizes the importance of conducting personal in-depth research and due diligence before making investment decisions, highlighting the inherent risks involved in trading [3]. Company and Industry Analysis - The analysis is intended solely for informational purposes and should not be interpreted as professional investment advice, indicating a focus on providing insights rather than direct recommendations [3][4]. - There is a clear distinction made between the views expressed in the article and those of Seeking Alpha as a whole, suggesting that the opinions may not represent the platform's official stance [4].

Group 1 - The article discusses the author's journey towards financial independence through dividend growth investing, aiming to transform their portfolio into a source of cash flow [1] - The author has been investing since September 2017 and has a long-standing interest in dividend investing since 2009 [1] - The blog "Kody's Dividends" serves as a documentation of the author's investment journey and provides insights into dividend growth stocks [1] Group 2 - The author holds a beneficial long position in shares of Visa (V) and Mastercard (MA) through various investment vehicles [1] - The article expresses the author's personal opinions and does not involve compensation from any mentioned companies [1]

Company Performance - Visa's stock closed at $306.92, reflecting a decrease of 0.26% from the previous trading session, underperforming the S&P 500's gain of 0.16% [1] - Over the past month, Visa's stock has declined by 2.23%, while the Business Services sector has lost 5.61% and the S&P 500 has decreased by 2.2% [1] Earnings Forecast - Visa is expected to report earnings of $2.66 per share on January 30, 2025, representing a year-over-year growth of 10.37% [2] - The revenue forecast for the same quarter is $9.35 billion, indicating an 8.27% growth compared to the previous year [2] - For the entire year, the consensus estimates predict earnings of $11.22 per share and revenue of $39.35 billion, reflecting changes of +11.64% and +9.53% respectively [3] Analyst Estimates - Recent modifications to analyst estimates for Visa indicate a favorable outlook on the company's business health and profitability [4] - The consensus EPS projection has decreased by 0.06% in the past 30 days, and Visa currently holds a Zacks Rank of 3 (Hold) [6] Valuation Metrics - Visa's Forward P/E ratio stands at 27.43, which is a premium compared to the industry average of 13.97 [7] - The company has a PEG ratio of 2.06, while the Financial Transaction Services industry has an average PEG ratio of 1.2 [7] Industry Context - The Financial Transaction Services industry, part of the Business Services sector, has a Zacks Industry Rank of 75, placing it in the top 30% of over 250 industries [8] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]

Core Points - The Gross Law Firm has issued a notice to shareholders of Visa Inc. regarding a class action lawsuit for alleged violations of federal antitrust laws during the class period from November 16, 2023, to September 23, 2024 [1] - Allegations include that Visa made materially false and misleading statements and failed to disclose compliance issues with federal antitrust laws, leading to investor damages when the truth was revealed [1] - The deadline for shareholders to register for the class action and seek lead plaintiff status is January 21, 2025 [2] Company and Industry Summary - The Gross Law Firm is a nationally recognized class action law firm focused on protecting investors' rights against deceit and illegal business practices [3] - The firm aims to ensure companies adhere to responsible business practices and seeks recovery for investors who suffered losses due to misleading statements or omissions that inflated stock prices [3] - Shareholders who register will receive updates through portfolio monitoring software throughout the lifecycle of the case [2]

Investment Strategy - The investment strategy focuses on companies with perfect qualitative attributes, buying them at attractive prices based on fundamentals, and holding them indefinitely [1] - The portfolio is concentrated, aiming to avoid losers and maximize exposure to big winners, often rating great companies as 'Hold' if their growth opportunity is below the threshold or downside risk is too high [1] - Articles covering such companies are published approximately 3 times per week, with extensive quarterly follow-ups and constant updates [1] Analyst Background - The analyst is an MBA graduate with an L.L.B in law and works as a financial analyst at a large pension fund [1] Disclosure - The analyst has a beneficial long position in the shares of V through stock ownership, options, or other derivatives [2] - The article expresses the analyst's own opinions and is not receiving compensation for it other than from Seeking Alpha [2] - There is no business relationship with any company whose stock is mentioned in the article [2]

Core Points - Rosen Law Firm is reminding investors who purchased Visa Inc. securities between November 16, 2023, and September 23, 2024, about the January 21, 2025, deadline to become a lead plaintiff in a securities class action lawsuit [1][3] - Investors may be entitled to compensation without any out-of-pocket fees through a contingency fee arrangement [2] Case Details - The lawsuit alleges that Visa made materially false and misleading statements and failed to disclose compliance issues with federal antitrust laws, which led to investor damages when the truth was revealed [5] Legal Representation - Investors are encouraged to select qualified legal counsel with a successful track record in securities class actions, as many firms may not have the necessary experience or resources [4]

Core Insights - Visa Inc. maintains a strong competitive position in the payments processing industry, benefiting from its focus on payment facilitation rather than lending, which protects it from loan-related risks during economic downturns [1] Group 1: Stock Performance - Over the past year, Visa's stock has increased by 18.4%, underperforming the financial transaction industry's average growth of 21.5% and the S&P 500's return of 25% [2] - Competitors such as Mastercard and American Express have outperformed Visa, with gains of 21% and 63.7%, respectively [2] Group 2: Operational Growth - Visa has shown strong growth in processed transactions and payments volume, with increases of 10.4% and 10% in fiscal 2023 and 2024, respectively, and payments volume growth of 6.4% and 6.7% year over year [5] - Key revenue segments for fiscal 2024 reported year-over-year increases: Service Revenues rose by 8.7%, Data Processing Revenues by 10.7%, and International Transaction Revenues by 8.8% [6] - Cross-border payment volume growth indicates significant potential in emerging markets, where many individuals remain underbanked [7] Group 3: Strategic Positioning - Visa is well-positioned for growth due to robust operating cash flow, allowing for both organic expansion and strategic acquisitions [8] - The company emphasizes technological innovation, focusing on secure digital payment solutions, which positions it favorably in a rapidly evolving financial landscape [9] Group 4: Earnings Estimates - The Zacks Consensus Estimate for Visa's fiscal 2025 and fiscal 2026 EPS suggests increases of 11.6% and 12.8%, respectively, year-over-year [10] - Revenue estimates for fiscal 2025 and fiscal 2026 indicate increases of 9.5% and 9.9%, respectively [10] Group 5: Valuation - Visa's current price/earnings (P/E) ratio is 26.90X, slightly above its five-year median of 26.86X and the industry average of 24.60X [12] - Competitors Mastercard and American Express are trading at P/E ratios of 31.59X and 19.89X, respectively [13] Group 6: Challenges - Visa faces rising expenses, with adjusted operating expenses increasing by 11.7% and 10.8% in fiscal 2023 and 2024, respectively [14] - Ongoing legal challenges, including an antitrust lawsuit and regulatory scrutiny in the U.K., may impact the company's growth and financial liabilities [15][16] - The Credit Card Competition Act of 2023 could slow growth for Visa and Mastercard in the U.S. market, potentially altering the competitive landscape [17] Group 7: Investment Outlook - Visa's strong market position and growth potential make it an appealing choice for current investors, while prospective buyers may consider waiting for a more attractive entry point due to high valuation and regulatory challenges [18] - The company currently holds a Zacks Rank 3 (Hold), indicating a neutral outlook [19]

Company Performance - Visa closed at $313.04, reflecting a -0.59% change from the previous day, underperforming the S&P 500's gain of 0.55% [1] - Upcoming earnings per share (EPS) are projected at $2.66, indicating a 10.37% increase year-over-year, with revenue expected to reach $9.35 billion, an 8.27% increase from the same quarter last year [2] Annual Forecast - Zacks Consensus Estimates predict earnings of $11.22 per share and revenue of $39.35 billion for the year, representing increases of +11.64% and +9.53% respectively compared to the previous year [3] Analyst Estimates and Stock Performance - Changes in analyst estimates are crucial as they correlate with stock price performance; positive revisions indicate optimism about the company's outlook [4] - Visa currently holds a Zacks Rank of 3 (Hold), with a recent 0.03% decline in the Zacks Consensus EPS estimate [5] Valuation Metrics - Visa has a Forward P/E ratio of 28.07, which is a premium compared to the industry average of 14.33 [5] - The company has a PEG ratio of 2.11, while the Financial Transaction Services industry average PEG ratio is 1.35 [6] Industry Context - The Financial Transaction Services industry is part of the Business Services sector, holding a Zacks Industry Rank of 91, placing it in the top 37% of over 250 industries [7]

Class Action Lawsuit Against Visa Inc - The Gross Law Firm is issuing a notice to shareholders of Visa Inc (NYSE: V) regarding a class action lawsuit [1] - Shareholders who purchased V shares between November 16, 2023 and September 23, 2024 are encouraged to contact the firm about potential lead plaintiff appointment [1] - The complaint alleges that Visa issued materially false/misleading statements and failed to disclose non-compliance with federal antitrust laws and lack of effective internal compliance programs [1] - Investors allegedly suffered damages when the true details entered the market [1] Shareholder Participation Details - The deadline to register for the class action is January 21, 2025 [2] - Registered shareholders will be enrolled in portfolio monitoring software to receive case status updates [2] - There is no cost or obligation for shareholders to participate in the case [2] About The Gross Law Firm - The Gross Law Firm is a nationally recognized class action law firm focused on protecting investor rights [3] - The firm seeks recovery for investors who incurred losses due to false/misleading statements or material omissions that artificially inflated stock prices [3] - The firm is committed to ensuring companies adhere to responsible business practices and good corporate citizenship [3]

Core Viewpoint - A class action securities lawsuit has been filed against Visa Inc. alleging securities fraud that affected investors between November 16, 2023, and September 23, 2024 [1][2]. Group 1: Lawsuit Details - The complaint claims that Visa was not in compliance with federal antitrust laws and lacked effective internal programs to assess and control compliance [2]. - Defendants allegedly made false statements that misled investors regarding Visa's compliance status, leading to investor damages when the truth was revealed [2]. Group 2: Investor Participation - Investors who suffered losses during the specified timeframe have until January 21, 2025, to request appointment as lead plaintiff, although participation in any recovery does not require this role [3]. - Class members may be entitled to compensation without any out-of-pocket costs or fees [3]. Group 3: Firm Background - Levi & Korsinsky has a history of securing hundreds of millions of dollars for shareholders and is recognized as one of the top securities litigation firms in the United States [4].