Should I buy Visa stock in 2025?

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At HelloSafe, our expert has been monitoring Visa’s performance for more than three years. Each month, hundreds of thousands of Canadians rely on us to interpret market trends and discover the best investment opportunities available. Our analyses are intended for informational purposes only and should not be considered investment advice.

What is Visa?

How much is Visa stock?

The price of Visa stock is rising this week. As of April 30, 2025, Visa trades at $341.52 CAD, showing a 24-hour increase of +1.19% ($4.01), though the stock is down -2.14% for the week. Visa’s market capitalization now stands at $658.80 billion CAD, with an average three-month trading volume of 7.17 million shares. The stock is valued at a P/E ratio of 34.50, offering a dividend yield of 0.69%, and has a beta of 0.91, indicating lower volatility than the overall market. With its steady growth and stability, Visa continues to attract attention from Canadian investors looking for reliable opportunities in the digital payments sector.

Our full analysis on Visa

Over the past three years, Visa Inc. has continued to consolidate its standing as a global digital payments powerhouse, consistently demonstrating best-in-class operational performance and robust shareholder returns. Drawing on the latest fiscal Q2 2025 financial results and a comprehensive review of market data, technical signals, peer benchmarking, and sector trends—analyzed through our proprietary models—the evidence points toward Visa re-emerging as a strategic entry point within the dynamic payments and fintech sector in 2025. So, what factors may once again make Visa stock an outstanding opportunity for Canadian investors seeking exposure to the digital economy’s secular growth?

Recent Performance and Market Context

Visa’s share price currently stands at USD $341.52 (April 30, 2025), not far off its 52-week high of $366.54, and up a remarkable 25.63% over the trailing twelve months. Even after a modest 2.14% decline over the past week—largely attributable to short-term profit-taking post-earnings—Visa retains a strong six-month gain of 21.16%. Such resilient upward price movement, especially given periods of macroeconomic uncertainty and sector rotation, underscores Visa’s defensive qualities and market leadership.

Recent events have further reinforced confidence in the stock. The company’s Q2 2025 results notably exceeded analyst consensus on both top and bottom lines, with revenue surging 9% year-over-year (11% on a constant-currency basis) and non-GAAP net income rising to $5.4 billion ($2.76 per share). Importantly, payments volume increased by 8%, processed transactions climbed by 9%, and cross-border volumes surged 13%—a clear indication that Visa continues to benefit as global travel and commerce rebound.

The broader macroeconomic backdrop is increasingly supportive. Despite intermittent concerns about consumer spending, the ongoing secular transition from cash to digital payments remains robust worldwide. In Canada, the adoption of contactless transactions, e-commerce, and digital wallets continues to accelerate, creating a favourable environment for payment processors like Visa to capture incremental transaction volume and new use cases. Visa’s position at the very heart of these trends appears to be driving sustained market conviction and interest.

Technical Analysis

• Relative Strength Index (RSI, 14-day): Currently at 54, Visa is neither overbought nor oversold. This neutral positioning often precedes directional moves—and with the prevailing uptrend, the balance of probability favors a continuation higher.
• MACD (Moving Average Convergence Divergence): Registering a positive reading of +1.14, MACD signals ongoing upward momentum, even as the stock consolidates short-term gains after hitting recent highs.
• Moving Averages: The share price is trading above the 200-day simple moving average, confirming the integrity of the long-term uptrend, while shorter-term averages (20- or 50-day) are serving as reliable dynamic support as the stock forms a new base.
• Support and Resistance: Key immediate support is established at $337.23, with a stronger floor at $332.69. On the upside, resistance is capped at $347.24; a clear break above could open the path toward the 52-week high at $366.54.
• Momentum Structure: The consolidation around current levels, following a well-defined trend, suggests that downside risk appears contained, while the pathway to additional upside remains intact should fresh catalysts emerge.

The net technical picture indicates a stock with favourable risk-reward characteristics for both new and existing holders, and the patterns favour positioning ahead of a potential breakout.

Fundamental Analysis

• Revenue Growth: Fiscal Q2 revenue of $9.6 billion, up 9% year-over-year, illustrates Visa’s ability to consistently find new growth vectors, even as its core business scales. Constant-currency growth of 11% underscores resilience to FX volatility, particularly relevant for Canadian investors.
• Profitability: Net margins are among the best in the S&P 500 at 52.86%. Non-GAAP net income of $5.4 billion and GAAP earnings of $4.6 billion point to efficient operations, with strong returns on both sales and equity (ROE: 50.66%).
• Valuation: Trading at a current P/E ratio of 34.5 and a forward P/E of 30.21, Visa commands a valuation premium—but this is well-justified by its secular growth runway, consistent cash flow generation, and fortified competitive position. The PEG (Price/Earnings to Growth) ratio remains near sector averages, reflecting sustainable growth relative to price.
• Balance Sheet Strength: With $13.75 billion in cash and a new $30 billion share buyback program underway, Visa’s capital allocation discipline enhances shareholder value, while also providing ample liquidity for future investments or macro shocks.
• Strategic Moat: Visa benefits from one of the world’s most valuable brands, huge network effects, and an adaptive product suite spanning consumer, commercial, and new money movement verticals. Its unrivaled scale and innovation engine continue to protect and extend its global market share.

In short, Visa’s blend of growth, profitability, and financial flexibility sets a high bar—making the company not just a defensive play, but an attractive core holding for multiple time horizons.

Volume and Liquidity

Trading volume remains robust, with 5.43 million shares changing hands daily versus a six-month average of 7.17 million. This slight contraction post-earnings reflects orderly consolidation rather than waning investor interest, and still points to deep liquidity—a key advantage for both individual and institutional investors seeking efficient entry and exit points.

Visa’s large public float and strong institutional ownership create the conditions for dynamic price discovery and a premium valuation. Such liquidity also underpins the ability to absorb market shocks and capitalize on short-term price dislocations, traits particularly prized in volatile markets.

Catalysts and Positive Outlook

• Ongoing Shareholder Returns: The recently announced $30 billion buyback and regular dividend increases (current yield: 0.69%) demonstrate an ongoing commitment to rewarding investors and supporting the stock price.
• Digital Innovation: Aggressive investment in new payment platforms, AI-powered fraud detection, and value-added digital services is unlocking new revenue streams—and strengthening Visa’s moat against traditional and fintech competitors.
• Cross-Border Recovery: As global travel and cross-border commerce accelerate post-pandemic, Visa’s international volumes are growing rapidly; a 13% year-over-year increase signals ample runway from global mobility, tourism, and e-commerce flows.
• Expansion of Value-Added Services: Diversification into adjacent areas such as B2B payments, real-time money movement, and API-driven banking interfaces broadens Visa’s addressable market and supports persistent double-digit growth.
• Favourable Regulatory and Technological Backdrop: While the payment industry faces regulatory oversight, Visa’s scale and reputation make it well-positioned to engage with policymakers and adapt to changing frameworks. Recent moves by global governments to encourage digital payment adoption—especially in emerging markets—may further amplify Visa’s growth trajectory.
• ESG Initiatives: Visa’s focus on financial inclusion, sustainability, and cybersecurity aligns well with emerging investor priorities, bolstering long-term brand value and attracting ESG-oriented capital flows.

This confluence of strategic initiatives and secular trends strongly favours continued outperformance.

Investment Strategies

• Short-Term (Tactical):
• The stock is consolidating above key support at $337.23 with defined nearby upside at $347.24 and limited near-term downside risk.
• Positive momentum, neutral RSI, and MACD could see Visa retest or break out above short-term resistance in response to near-term catalysts—such as fresh partnership announcements, industry conferences, or macroeconomic surprises.
• Medium-Term (6–12 Months):
• With the company demonstrating sector-leading metrics in payments volume, cross-border growth, and profitability, further outperformance seems plausible as digital payments adoption accelerates—particularly heading into top consumer spending periods.
• The recently authorized $30 billion share buyback provides ongoing technical support and may trigger additional bullish flows as execution ramps up.
• Long-Term (Core Position):
• Visa’s dominant global network, strong cash flows, and expansion into adjacent fintech sectors suggest compounding total returns well into the future.
• For Canadian investors, integrating Visa into RRSP, TFSA, or other long-term portfolios supports both diversification and exposure to one of the digital economy’s most durable compounders.

Investing at current levels—near a technical base, ahead of new product cycles and continuing buybacks—appears well-timed for those seeking asymmetric risk-reward.

Is It the Right Time to Buy Visa?

In summary, Visa stands out for its unassailable market leadership, powerful secular tailwinds, and reliable record of value creation. The latest financial results beat expectations across all major dimensions, the macro environment continues to tilt towards digital transaction solutions, and the company’s strategic initiatives signal ongoing innovation and operational excellence. With substantial liquidity, high levels of institutional participation, and multiple forward catalysts—including buybacks, product launches, and cross-border growth—Visa may be on the cusp of a renewed bullish momentum phase.

Though the valuation reflects the company’s premium profile, it is underpinned by best-in-class margins, robust cash flows, and an expanding addressable market—factors that more than justify renewed interest from investors. The current technical setup, juxtaposed with fundamentally driven optimism, suggests Visa stock represents an excellent opportunity for those looking to capitalize on the continued transformation of global payments.

For Canadian investors seeking a blend of growth, stability, and exposure to fintech’s ongoing revolution, Visa presents an exceptionally compelling case to be considered as a core portfolio holding at this time. The convergence of well-timed catalysts, durable earnings power, and favourable technical structure positions Visa for continued success—and makes its current levels one of the most interesting entry points in the technology and financial services landscape for 2025 and beyond.

How to buy Visa in Canada?

Buying shares of Visa (NYSE: V) online is straightforward, secure, and accessible for Canadian investors when using a regulated broker. You can choose to buy Visa stock outright (“spot” or “cash” buying), or trade using Contracts for Difference (CFDs), which allow you to speculate on price movements with leverage. Spot buying gives you ownership of actual shares, while CFDs let you trade on margin, amplifying both potential gains and risks. To maximize your investing experience and control costs, it’s important to select the right broker—see our comparison further down this page.

Spot Buying

A spot (or cash) purchase means you buy shares of Visa directly through an online broker, making you an owner of the actual stock. In Canada, most brokers charge a flat commission per transaction, often around $5 to $10 per trade, depending on the platform.

Informations importantes

Example:
Suppose Visa shares are trading at $341.52 USD. With a $1,000 CAD investment (approximately $730 USD as of current rates), after a $5 USD brokerage fee, you could buy around 2 shares of Visa (2 × $341.52 = $683.04, plus $5 fee = $688.04; remaining funds cover currency exchange and small fractional shares if supported).

Informations importantes

✔️ Gain scenario:
If the Visa share price increases by 10%, your shares would now be worth about $1,100 CAD equivalent.
Result: +$100 gross gain—a 10% return on your original investment (excluding currency effects and tax).

Trading via CFD

CFDs (Contracts for Difference) allow you to trade on Visa’s share price movements without owning the underlying shares. One key advantage is leverage, letting you amplify potential returns (and losses). However, CFD trading involves additional fees, notably the spread (difference between buy/sell prices), and overnight financing fees if you hold positions beyond a day.

Informations importantes

Example:
You decide to open a CFD position on Visa with a $1,000 CAD deposit and 5x leverage. Your market exposure becomes $5,000 CAD (approx. $3,650 USD).

Informations importantes

✔️ Gain scenario:
If Visa’s share price rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 profit on a $1,000 deposit (before fees).

Final Advice

Before investing, it’s essential to compare brokers’ fees, platforms, and account options—this impacts both your returns and your investing experience. Cash buying may suit long-term investors wanting ownership and dividends, while CFD trading offers flexibility and leverage for more active traders. The right approach depends on your financial goals, risk appetite, and investment horizon. For detailed fee comparisons and platform features, see our broker comparator below.

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Our 7 tips for buying Visa stock

The latest news about Visa

Visa’s Q2 2025 earnings beat expectations, with 9% revenue growth and record transaction volumes.
On April 29, 2025, Visa announced its fiscal Q2 results, reporting $9.6 billion in revenue—up 9% year-over-year (11% with constant currency), notably surpassing analyst forecasts. Net income on a non-GAAP basis reached $5.4 billion ($2.76 per share), again exceeding consensus estimates. Payments volume increased 8% and processed transactions rose by 9% to 60.7 billion, signaling resilient consumer spending patterns. This outperformance demonstrates Visa’s ongoing traction in digital payments, which is highly relevant to Canadian institutional and retail investors/analysts monitoring cross-border transaction flows and the broader North American payments ecosystem.

Cross-border transaction volumes surged 13%, reflecting international travel recovery and benefitting Canadian merchants and consumers.
Visa’s quarterly results showed a 13% jump in cross-border volumes at constant currency, further underlining the rebound of global travel and e-commerce. For operators in Canada, this growth translates to increased opportunities for borderless commerce, tourism spending, and outbound purchases by Canadian cardholders. Canadian businesses—especially those in retail, hospitality, and online services—continue to see strong benefit as Visa’s network facilitates seamless, secure international payments.

Visa’s new $30 billion share repurchase program signals strong cash flow and ongoing shareholder value creation.
The recent initiation of a $30 billion multi-year share buyback underscores Visa’s ability to generate robust free cash flow and its commitment to distributing value to shareholders. For Canadian institutional funds, wealth managers, and individual investors holding Visa, enhanced capital returns through such buybacks, coupled with ongoing dividend payments (quarterly dividend of $0.59 per share), offer reassurance of Visa’s financial discipline and long-term capital allocation priorities.

Visa’s technology and security investments strengthen competitive advantage and support innovation in Canadian market partnerships.
Visa continues to prioritize innovation, exemplified by ongoing investments in payment technology and fraud prevention. These initiatives resonate within Canada’s dynamic fintech landscape, as local issuers and payment providers increasingly partner with Visa to roll out new digital solutions, including contactless payments and security enhancements for e-commerce. Such investments foster consumer trust and enable scalable partnerships with leading Canadian banks and technology firms.

Stable technical signals and a positive long-term trend position Visa attractively for Canadian equity portfolios.
Technical analysis reveals Visa shares consolidating above key moving averages, with a neutral RSI and positive momentum, supported by its lower beta of 0.91 indicating less volatility than the broader market. For Canadian portfolio managers, this profile suggests Visa remains a resilient, blue-chip holding within diversified financial or global equity strategies. The stock’s 21% rise over six months and steady uptrend reinforce its appeal amid ongoing market uncertainty.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.