PQUS0.890%
as of Oct 23
V
GrowthVISA INC-CLASS A SHARES
Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a platform which facilitates money movement, enabling clients to collect, hold, convert, and send funds across its network; and issuing solutions, such as airport lounge access, dining reservations, shopping experiences, event tickets, and seller offers.
Close · 3M
+30.58%
Held by 1 AI ETF
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals14
Win rate93% (13/14)
Avg buy return+8.96%
PQUS · Accumulation · 5d
weight 0.830% → 0.900% (+0.070 pp)·stock up 11.8% in the 30 days before
Oct 22·entry $414.34·now $407.92Fresh
-1.55%
since Oct 22
PQUS · Accumulation · 5d
weight 0.820% → 0.870% (+0.050 pp)·stock up 11.1% in the 30 days before
Oct 21·entry $407.85·now $407.92Fresh
+0.02%
since Oct 21
PQUS · Accumulation · 6d
weight 0.800% → 0.880% (+0.080 pp)·stock up 10.7% in the 30 days before
Oct 20·entry $406.57·now $407.92Fresh
+0.33%
since Oct 20
PQUS · Accumulation · 6d
weight 0.790% → 0.870% (+0.080 pp)·stock up 7.3% in the 30 days before
Oct 16·entry $402.61·now $407.92Fresh
+1.32%
since Oct 16
PQUS · Accumulation · 5d
weight 0.790% → 0.860% (+0.070 pp)·stock up 5.5% in the 30 days before
Oct 15·entry $399.75·now $407.92Drifting
+2.04%
since Oct 15
PQUS · Accumulation · 5d
weight 0.780% → 0.840% (+0.060 pp)·stock up 6.3% in the 30 days before
Oct 13·entry $396.06·now $407.92Drifting
+2.99%
since Oct 13
PQUS · Weight increase · 3d
weight 0.790% → 0.830% (+0.040 pp)·stock up 2.6% in the 30 days before
Oct 12·entry $389.27·now $407.92Drifting
+4.79%
since Oct 12
PQUS · Weight increase · 2d
weight 0.790% → 0.820% (+0.030 pp)·stock up 1.0% in the 30 days before
Oct 9·entry $385.45·now $407.92Drifting
+5.83%
since Oct 9
PQUS · Sudden change · 1d
weight 1.080% → 0.780% (-0.300 pp)·stock down 1.6% in the 30 days before
Oct 1·entry $359.85·now $407.92
+13.36%
since Oct 1
PQUS · Weight decrease · 2d
weight 1.160% → 1.070% (-0.090 pp)·stock up 4.2% in the 30 days before
Aug 29·entry $379.37·now $407.92
+7.53%
since Aug 29
PQUS · Weight increase · 2d
weight 1.100% → 1.120% (+0.020 pp)·stock up 5.5% in the 30 days before
Aug 23·entry $382.41·now $407.92Drifting
+6.67%
since Aug 23
PQUS · Weight decrease · 2d
weight 1.150% → 1.110% (-0.040 pp)·stock up 4.3% in the 30 days before
Aug 2·entry $365.67·now $407.92
+11.55%
since Aug 2
PQUS · Weight increase · 2d
weight 1.100% → 1.150% (+0.050 pp)·stock up 4.3% in the 30 days before
Jul 31·entry $366.13·now $407.92Chased
+11.41%
since Jul 31
PQUS · Weight decrease · 2d
weight 1.130% → 1.090% (-0.040 pp)·stock up 8.9% in the 30 days before
Jul 9·entry $348.20·now $407.92
+17.15%
since Jul 9
PQUS · Weight increase · 2d
weight 1.020% → 1.060% (+0.040 pp)·stock up 2.6% in the 30 days before
Jun 26·entry $336.23·now $407.92Chased
+21.32%
since Jun 26
PQUS · Weight increase · 2d
weight 1.010% → 1.040% (+0.030 pp)·stock up 0.6% in the 30 days before
Jun 12·entry $322.39·now $407.92Chased
+26.53%
since Jun 12
PQUS · Weight increase · 2d
weight 0.970% → 1.030% (+0.060 pp)·stock up 1.5% in the 30 days before
Jun 7·entry $319.67·now $407.92Chased
+27.61%
since Jun 7
PQUS · Weight decrease · 2d
weight 1.010% → 0.970% (-0.040 pp)·stock down 0.6% in the 30 days before
Jun 4·entry $320.18·now $407.92
+27.40%
since Jun 4
+27.96%
since May 8
AIEQ · Exit · 1d
weight 0.050% → 0 (exited)·stock up 4.3% in the 30 days before
Aug 2·entry $365.67·now $407.92
+11.55%
since Aug 2
AIEQ · New entry · 1d
weight 0 → 0.050% (new)·stock up 8.8% in the 30 days before
Jul 1·entry $351.08·now $407.92Chased
+16.19%
since Jul 1
+26.38%
since May 30
+24.94%
since May 24
+26.97%
since May 7
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of Oct 11
PQUS is holding Visa at 0.82% of its portfolio, after a sharp cut of 0.30pp on 2026-10-01 and a small 0.03pp rebuild on 2026-10-09. That is a trim followed by modest accumulation, so it is a cautious position rather than a conviction buy. The business quality fits the framework, but the price does not give a margin of safety, so the verdict disagrees with any buying and only loosely agrees with the earlier trim.
- Circle of CompetenceVisa's unit economics are a small take on each transaction in a global payments network, and earning power has been steady and predictable through many economic cycles.
- Economic MoatVisa has a strong, durable moat from network effects between billions of cardholders and tens of millions of merchants, backed by scale and brand, although regulatory scrutiny and real-time payment rails are long-term risks to watch.
- ManagementManagement candour and insider ownership cannot be judged from the financial data provided, though the company has a long record of steady buybacks and no history of empire-building acquisitions.
- Financial HealthROE of 61% and 14% revenue growth point to very high returns on capital, and an asset-light model with little capex implies strong owner earnings, though the high ROE is partly inflated by buybacks shrinking the equity base.
- Margin of SafetyA P/E of 30.7 and EV/EBITDA of 33.6 price in years of continued double-digit growth, so there is a fair price for a wonderful company but no clear discount to a conservative estimate of intrinsic value.
Visa clears the circle of competence and moat tests and looks strong on financials, with management candour unproven from the data given. The stock fails on margin of safety because a 30x earnings multiple leaves no discount to conservative intrinsic value, so a Buffett-style read would admire the business and wait for a better price.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.