Live Coverage Has Ended

Live Coverage: Will Visa (V) Stock Rise After 3Q Earnings?

By Joel South Updated Jul 29, 4:37PM EDT · Published Jul 29, 3:30PM EDT

Live Updates

Visa Conference Call

Jul 29, 2025 at 4:35 PM EDT

Visa’s earnings conference call is set to kickoff in 25 minutes.

First Reaction

Jul 29, 2025 at 4:25 PM EDT

Post-Earnings Move: 🔻-1.90%

What Happened:

Beat on revenue ($10.2B vs. $9.85B est) and EPS ($2.98 vs. $2.85), with solid growth in cross-border volume (+12%) and processed transactions (+10%).
But payments volume rose just 8% YoY — a slowdown vs. Q2’s +10%, signaling softening U.S. consumer trends.

Why the Stock Dropped:

No formal guidance raise despite strong results.
Commentary was upbeat but not convictional, and Visa noted rising operating expenses (+35% YoY GAAP).
Investors were likely expecting a guide raise, especially with buybacks and stablecoin traction highlighted.

Tactical Take:

This was a “good, not great” print. Buy-side may fear Q4 comps get tougher, and that Visa’s cross-border tailwinds are nearing normalization.
Still a structural compounder, but short-term upside now likely tied to macro reacceleration.

More number updates

Jul 29, 2025 at 4:18 PM EDT

KPI	Q3 FY2025	YoY Change
Payments Volume	+8%	↓ vs. Q2
Cross-Border Volume (ex-EU)	+11%	↑ stable
Cross-Border Volume (Total)	+12%	↑
Processed Transactions	65.4B (+10%)	↑
Non-GAAP Operating Margin	67.5%	↓ due to litigation cost
Shareholder Returns (buybacks + divs)	$6.0B	↑

Earnings out, stock down 1.3%

Jul 29, 2025 at 4:12 PM EDT

Visa turned in another strong quarter, delivering a top- and bottom-line beat with broad-based volume growth. Net revenue reached $10.2B vs. $9.85B est, and non-GAAP EPS came in at $2.98 vs. $2.85 est, up 23% YoY. Despite a $615M litigation charge, net income still rose 8% YoY and operating metrics showed healthy cross-border and payment volume trends.

Metric	Actual	Estimate	Beat/Miss
Revenue	$10.2B	$9.85B	✅ Beat
GAAP EPS	$2.69	—	—
Non-GAAP EPS	$2.98	$2.85	✅ Beat
Payments Volume Growth	+8%	+10–11% est	❌ Miss (low end)
Cross-Border Volume (ex-EU)	+11%	+10% est	✅ Beat
Processed Transactions	+10% YoY	+12% est	❌ Slight miss

Visa did not issue formal numeric guidance, but CEO Ryan McInerney noted that “healthy business driver trends continued through July”, and emphasized resilience in both discretionary and non-discretionary spending. Management also reaffirmed confidence in AI and stablecoin product development as long-term growth driver.

Trading day closing, Visa down 1.11% heading into earnings

Jul 29, 2025 at 3:55 PM EDT

Visa stock is trending down as the trading day wraps up and 3Q earnings coming shortly. Stay on this page as we send live updates of earnings how the stock trends after-hours.

Visa (NYSE:V | V Price Prediction) reports fiscal Q3 2025 results after the bell tonight. Consensus estimates expect strong growth as payment volumes and digital adoption trends remain resilient. The stock is up 12% YTD but has underperformed fintech peers amid mixed cross-border data and macro headwinds. With management recently showcasing AI agent-driven payments and expanded stablecoin efforts, this quarter’s call could mark a strategic turning point.

Consensus Estimates:

– Revenue: $9.85 billion
– EPS (Normalized): $2.85

– FY 2025 Revenue: $39.56 billion
– FY 2025 EPS: $11.35

That implies YoY revenue growth of +10.1% and EPS growth of +12.9% for FY25, both decelerating modestly from FY24’s +12.8% and +13% respectively.

Key Areas to Watch Tonight

Cross-Border Volume Trends- Cross-border is Visa’s highest-margin segment.
Management noted stable trends through April and May despite timing noise from Ramadan and Easter. Investors will want updated data points on U.S.-inbound travel, Asia-Europe corridors, and FX-adjusted growth.
Visa Direct & CMS Expansion-Visa Direct is Visa’s biggest long-term TAM unlock.
The company highlighted 22% CAGR in commercial money movement and 10B transactions via Visa Direct in FY24. Watch for commentary on corridor expansion, new use cases (e.g., gig payouts), and competitive traction.
AI-Enabled Commerce Initiatives- Visa’s Intelligent Commerce may redefine payment flows.
Following April’s Product Drop, Visa is piloting agentic commerce tools with OpenAI, Microsoft, and others. Investors will look for live transaction updates, early adoption metrics, and developer engagement trends.
Stablecoin Infrastructure- Visa is quietly becoming a leader in blockchain settlement.
Stablecoin-linked volume surpassed $225M across USDC pilots. Analysts may press for updates on issuer integrations and the Bridge/Stripe rollout.

What To Track

KPI	Q3 2024	Q3 2025E	YoY Change
Cross-Border Volume Index	154.1	~170*	+10% est.
Payments Volume (YoY %)	+9.6%	+10–11%	↑ slight
Transactions (YoY %)	+11.4%	+12% est.	↑

*Est. based on cross-border trends disclosed in May & June conferences.

What Changed Since Q2

Visa increased FY2025 EPS guidance modestly after April’s call.
Stablecoin pilot volumes updated from $100M to $225M.
AI/agentic commerce moved from concept to active pilot phase.
Management noted stable consumer volume trends in May across U.S. and major markets.

How Visa Stock Performed After Recent Earnings

Quarter	EPS Surprise	1-Day Move	7-Day Move	14-Day Move
Q2 FY25	+3.0%	+1.6%	+2.9%	+3.5%
Q1 FY25	+3.34%	+0.9%	+1.5%	+2.2%
Q4 FY24	+5.24%	+2.3%	+3.8%	+4.1%
Q3 FY24	+0.11%	-0.4%	+0.7%	+1.8%

Visa has delivered four straight beats, with consistent positive stock reactions — especially over the 7-day window after earnings. Visa has averaged a +2.2% stock gain 7 days after earnings over the past four quarters.

This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them.

About the Author Joel South →

Joel South covers large-cap stocks, dividend investing, and major market trends, with a focus on earnings analysis, valuation, and turning complex data into actionable insights for investors.

He brings more than 15 years of experience as an investor and financial journalist, including 12 years at The Motley Fool, where he served as an investment analyst, Bureau Chief, and later led the Fool.com investing news desk. He has also co-hosted an investing podcast and appeared across TV and radio discussing market trends.