Dernières nouvelles pour Visa (NYSE:V) Stock

Visa

Visa is the largest payment processor in the world. In fiscal 2023, it processed almost $15 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.

Visa Inc

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In the current market session, Visa Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) share price is at $275.06, after a 0.46% spike. Moreover, over the past month, the stock decreased by 3.60%, but in the past year, spiked by 16.71%. Shareholders might be interested in knowing whether the stock is overvalued, even if the company is performing up to par in the current session. 

<img src="https://www.benzinga.com/files/images/story/2024/1728416711_0.png" alt="Past Year Chart" />

<h3>Comparing Visa P/E Against Its Peers</h3>
The P/E ratio measures the current share price to the company's EPS. It is used by long-term investors to analyze the company's current performance against it's past earnings, historical data and aggregate market data for the industry or the indices, such as S&amp;P 500. A higher P/E indicates that investors expect the company to perform better in the future, and the stock is probably overvalued, but not necessarily. It also could indicate that investors are willing to pay a higher share price currently, because they expect the company to perform better in the upcoming quarters. This leads investors to also remain optimistic about rising dividends in the future. 
Compared to the aggregate P/E ratio of the 33.55 in the Financial Services industry, Visa Inc. has a lower P/E ratio of 29.31. Shareholders might be inclined to think that the stock might perform worse than it's industry peers. It's also possible that the stock is undervalued. 

<img src="https://www.benzinga.com/files/images/story/2024/1728416711_1.png" alt="Guage" />

In conclusion, the price-to-earnings ratio is a useful metric for analyzing a company's market performance, but it has its limitations. While a lower P/E can indicate that a company is undervalued, it can also suggest that shareholders do not expect future growth. Additionally, the P/E ratio should not be used in isolation, as other factors such as industry trends and business cycles can also impact a company's stock price. Therefore, investors should use the P/E ratio in conjunction with other financial metrics and qualitative analysis to make informed investment decisions.

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P/E Ratio Insights for Visa

Affirm Holdings Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/afrm#NASDAQ">AFRM</a>) is a fintech offering buy-now-pay-later (BNPL) options for consumers to finance their purchases, enabling merchants to generate additional sales that otherwise may not have been made. The transactions are a win-win for consumers and the merchants, while Affirm is the middleman facilitating the financing. The company is growing and working its way towards profitability. The interest rate cut cycle can further accelerate its path to profitability as the busiest time of the year approaches, the holiday shopping season.
Affirm operates in the business services sector, competing with BNPL providers like Afterpay, owned by Block Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/sq#NYSE">SQ</a>), PayPal Holdings Inc., and Sezzle Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/sezl#NASDAQ">SEZL</a>). Affirm is a pioneer in the BNPL industry founded by PayPal co-founder Max Levchin.
<h2>How Interest Rate Cuts Impact Affirm</h2>
The U.S. Federal Reserve (Fed) has started its interest rate cut cycle with a 50 bps cut, with more expected on the way. This makes borrowing costs cheaper. Affirm benefits directly as it reduces its cost of capital, improving its profit margins and enabling it to offer more competitive interest rates. Interest rate cuts also stimulate consumer spending, leading to more transactions for Affirm with higher loan volumes.
However, on the flip side, it will also reduce interest income as Affirm passes on the lower interest rate to consumers, thereby reducing revenues. Affirm wouldn&#39;t be the only BNPL company benefitting as its competitors are in the same boat, which will continue to put more pressure on the company&#39;s market share and pricing.
<h2>Affirm Uses AI to Improve Efficiencies </h2>
Affirm has been using artificial intelligence (AI) algorithms to bolster its operations. Its AI algorithms are used in a data-driven approach to assessing risk and creditworthiness for every transaction to determine the financing options for qualified consumers. It also provides financing for customers who may not qualify for traditional credit cards. AI is also used to detect and prevent fraud. AI helps to provide personalized offers and financing recommendations for consumers to improve their shopping experience. Workflows and processes are automated with the help of AI.
<h2>Affirm&#39;s Popularity and Partnerships Grow </h2>
The service is notably most popular with millennials and Gen-Z-ers as they opt to avoid conventional credit cards. Incidentally, Affirm now offers its Affirm debit card through Visa Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/v#NYSE">V</a>), which enables its users to use Affirm for in-store purchases. It&#39;s also available to Apple Inc.&nbsp;Apple Pay users in the United States to pay over time for eligible purchases with the option to pay in bi-weekly or monthly installments at 0%. Affirm is a BNPL option for customers of Target Co., Walmart Inc., and Amazon.com Inc.&nbsp;Affirm has grown its merchant network to over 300,000.
<h2>Affirm is Still in Its Hypergrowth Stage </h2>
Affirm reported a fiscal Q4 2024 EPS loss of 14 cents, which was 34 cents better than consensus estimates for a loss of 48 cents. Revenues surged 48% YoY to $659.2 million, crushing the $604 million consensus analyst estimate. Gross merchandise volume rose 31% YoY to $7.2 billion, significantly outpacing overall e-commerce growth. Transaction volume in the Affirm network rose 42% YoY to 24,7 million and 15% QoQ.
<h2>Affirm Raises Guidance for Fiscal Q1 2025</h2>
The company raised its fiscal first quarter 2025 revenue guidance to $640 million to $670 million, crushing consensus estimates of $625.04 million. GMV is expected between $7.1 million and $7.4 million. Adjusted operating margin is expected between 14% and 16%.
The company raised forecast operating income profitability on a GAAP basis by fiscal Q4 2025, a year from now. Their goal is to operate on the path to profitability with a fiscal 2025 GMV of more than $33.5 billion, revenue 10 bps or higher, and an adjusted operating margin greater than 18.4%.
CEO Levchin stated in its shareholder letter, &quot;We made great progress in FY&#39;24. The opportunities ahead of us are significant, and we are excited to take full advantage of them. Scaling the Affirm Card, amplifying engagement with personalized incentives, rolling out new integrations, going live in the UK, and doing it all while achieving GAAP profitability is our plan for FY&#39;25, and we are off to a fine start.&quot;
<h2>AFRM Sets Up a Potential Seed Wave Breakout </h2>
A seed wave is a rare pattern comprised of two consecutive higher market structure low (MSL) triggers. Based on fib extensions of 1.27, 1.414, and 1.618, the seed wave sets the upside potential reversal zones (PRZs) as targets.
<img alt="Affirm AFRM stock chart" class="aligncenter" src="https://www.marketbeat.com/logos/articles/med_20241006192943_charta-afrm.jpg" style="height:753px; width:915px" />
AFRM triggered a price gap on its solid fiscal Q4 2024 earnings report to $37.52. The first MSL formed at $35.52 and triggered above $40.29. The second MSL formed around the $37.52 gap fill with a trigger near the first MSL trigger. This foreshadows upside PRZ targets at $51.29, %53.06 and $55.56. The relative strength index (RSI) is attempting to bounce back up through the 50-band. Fibonacci (Fib) pullback support levels are at $37.95, $35.71, $32.55, and $28.27.
Affirm&#39;s average consensus price target is $35.53, and its highest analyst price target&nbsp;is&nbsp;$65.00.&nbsp;Analysts have given the stock seven Buy ratings, nine Hold ratings, and five Sell ratings.&nbsp;The stock has an 8.39% short interest.
Actionable Options Strategies: Bullish investors can&nbsp;buy AFRM stock on pullbacks using&nbsp;cash-secured puts at the Fib&nbsp;pullback support levels to buy the dip.
By implementing a bullish call debit spread, bullish options investors can limit the maximum downside and profit from modest upside gains for less capital than owning the stock.
The article &quot;<a href="https://www.marketbeat.com/originals/affirms-path-to-profitability-elevates-with-interest-rate-cuts/">Affirm&#39;s Path to Profitability Elevates with Interest Rate Cuts </a>&quot; first appeared on MarketBeat.

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Affirm's Path to Profitability Elevates with Interest Rate Cuts

Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) has outperformed the market over the past 15 years by 7.97% on an annualized basis producing an average annual return of 19.63%. Currently, Visa has a market capitalization of $535.32 billion. 
Buying $1000 In V: If an investor had bought $1000 of V stock 15 years ago, it would be worth $14,737.65 today based on a price of $275.11 for V at the time of writing.
<h3>Visa's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1728401412_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In Visa 15 Years Ago Would Be Worth This Much Today

Financial giants have made a conspicuous bullish move on Visa. Our analysis of options history for Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) revealed 11 unusual trades.
Delving into the details, we found 45% of traders were bullish, while 36% showed bearish tendencies. Out of all the trades we spotted, 8 were puts, with a value of $442,338, and 3 were calls, valued at $103,030.
<h3>What's The Price Target?</h3>
Based on the trading activity, it appears that the significant investors are aiming for a price territory stretching from $240.0 to $315.0 for Visa over the recent three months. 
<h3>Analyzing Volume &amp; Open Interest</h3>
In today's trading context, the average open interest for options of Visa stands at 603.29, with a total volume reaching 1,229.00. The accompanying chart delineates the progression of both call and put option volume and open interest for high-value trades in Visa, situated within the strike price corridor from $240.0 to $315.0, throughout the last 30 days.
<h3>Visa Call and Put Volume: 30-Day Overview</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1728056783_0.png" alt="Options Call Chart" />
<h3>Noteworthy Options Activity:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th style="text-align: right;">Open Interest</th>
<th style="text-align: right;">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>V</td>
<td>PUT</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>12/20/24</td>
<td>$14.5</td>
<td>$14.45</td>
<td>$14.45</td>
<td>$285.00</td>
<td>$79.4K</td>
<td style="text-align: right;">669</td>
<td style="text-align: right;">165</td>
</tr>
<tr>
<td>V</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>12/20/24</td>
<td>$14.55</td>
<td>$13.65</td>
<td>$14.41</td>
<td>$285.00</td>
<td>$79.2K</td>
<td style="text-align: right;">669</td>
<td style="text-align: right;">55</td>
</tr>
<tr>
<td>V</td>
<td>PUT</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>12/20/24</td>
<td>$14.5</td>
<td>$14.15</td>
<td>$14.32</td>
<td>$285.00</td>
<td>$78.7K</td>
<td style="text-align: right;">669</td>
<td style="text-align: right;">110</td>
</tr>
<tr>
<td>V</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>12/20/24</td>
<td>$14.65</td>
<td>$14.2</td>
<td>$14.65</td>
<td>$285.00</td>
<td>$61.5K</td>
<td style="text-align: right;">669</td>
<td style="text-align: right;">207</td>
</tr>
<tr>
<td>V</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>10/25/24</td>
<td>$2.0</td>
<td>$1.8</td>
<td>$2.0</td>
<td>$270.00</td>
<td>$58.0K</td>
<td style="text-align: right;">265</td>
<td style="text-align: right;">4</td>
</tr>
</tbody>
</table>

<h3>About Visa</h3>
Visa is the largest payment processor in the world. In fiscal 2023, it processed almost $15 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
Having examined the options trading patterns of Visa, our attention now turns directly to the company. This shift allows us to delve into its present market position and performance
<h3>Present Market Standing of Visa</h3>
<ul>
<li>Currently trading with a volume of 1,120,257, the V's price is up by 0.05%, now at $277.0. </li>
<li>RSI readings suggest the stock is currently is currently neutral between overbought and oversold.</li>
<li>Anticipated earnings release is in 25 days.</li>
</ul>
<h3>Professional Analyst Ratings for Visa</h3>
5 market experts have recently issued ratings for this stock, with a consensus target price of $310.6.
Turn $1000 into $1270 in just 20 days?
20-year pro options trader reveals his one-line chart technique that shows when to buy and sell. Copy his trades, which have had averaged a 27% profit every 20 days. <a href="https://www.benzinga.com/premium/ideas/options-moneyline-2/?t=Moop1arja3be22op14&amp;utm_source=benzinga-insights">Click here for access</a>. 
&#x2A; An analyst from BMO Capital has decided to maintain their Outperform rating on Visa, which currently sits at a price target of $310. 
&#x2A; Consistent in their evaluation, an analyst from Goldman Sachs keeps a Buy rating on Visa with a target price of $317. 
&#x2A; An analyst from Oppenheimer downgraded its action to Outperform with a price target of $318. 
&#x2A; Maintaining their stance, an analyst from B of A Securities continues to hold a Neutral rating for Visa, targeting a price of $308. 
&#x2A; Maintaining their stance, an analyst from Macquarie continues to hold a Outperform rating for Visa, targeting a price of $300. 
Trading options involves greater risks but also offers the potential for higher profits. Savvy traders mitigate these risks through ongoing education, strategic trade adjustments, utilizing various indicators, and staying attuned to market dynamics. Keep up with the latest options trades for Visa with <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> for real-time alerts.

Options

Smart Money Is Betting Big In Visa Options

In the ever-evolving and intensely competitive business landscape, conducting a thorough company analysis is of utmost importance for investors and industry followers. In this article, we will carry out an in-depth industry comparison, assessing Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) alongside its primary competitors in the Financial Services industry. By meticulously examining key financial metrics, market positioning, and growth prospects, we aim to offer valuable insights to investors and shed light on company's performance within the industry.
<h3>Visa Background</h3>
Visa is the largest payment processor in the world. In fiscal 2023, it processed almost $15 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
<table>
<thead>
<tr>
<th>Company</th>
<th>P/E</th>
<th>P/B</th>
<th>P/S</th>
<th>ROE</th>
<th>EBITDA (in billions)</th>
<th>Gross Profit (in billions)</th>
<th>Revenue Growth</th>
</tr>
</thead>
<tbody>
<tr>
<td>Visa Inc</td>
<td>29.64</td>
<td>14.06</td>
<td>16.21</td>
<td>12.62%</td>
<td>$6.45</td>
<td>$7.13</td>
<td>9.57%</td>
</tr>
<tr>
<td>Mastercard Inc</td>
<td>37.84</td>
<td>61.62</td>
<td>17.56</td>
<td>44.44%</td>
<td>$4.32</td>
<td>$5.35</td>
<td>11.04%</td>
</tr>
<tr>
<td>Fiserv Inc</td>
<td>31.89</td>
<td>3.75</td>
<td>5.55</td>
<td>3.14%</td>
<td>$2.22</td>
<td>$3.12</td>
<td>7.38%</td>
</tr>
<tr>
<td>PayPal Holdings Inc</td>
<td>18.76</td>
<td>3.83</td>
<td>2.68</td>
<td>5.46%</td>
<td>$1.75</td>
<td>$3.61</td>
<td>8.21%</td>
</tr>
<tr>
<td>Fidelity National Information Services Inc</td>
<td>82.88</td>
<td>2.68</td>
<td>4.86</td>
<td>1.39%</td>
<td>$0.8</td>
<td>$0.95</td>
<td>2.68%</td>
</tr>
<tr>
<td>Block Inc</td>
<td>60.78</td>
<td>2.09</td>
<td>1.76</td>
<td>1.02%</td>
<td>$0.6</td>
<td>$2.23</td>
<td>11.21%</td>
</tr>
<tr>
<td>Global Payments Inc</td>
<td>18.02</td>
<td>1.12</td>
<td>2.57</td>
<td>1.68%</td>
<td>$1.08</td>
<td>$1.63</td>
<td>4.74%</td>
</tr>
<tr>
<td>Corpay Inc</td>
<td>23.18</td>
<td>8.05</td>
<td>6.12</td>
<td>8.38%</td>
<td>$0.51</td>
<td>$0.77</td>
<td>2.9%</td>
</tr>
<tr>
<td>Jack Henry &amp; Associates Inc</td>
<td>35.10</td>
<td>7.26</td>
<td>6.05</td>
<td>5.58%</td>
<td>$0.18</td>
<td>$0.23</td>
<td>4.73%</td>
</tr>
<tr>
<td>WEX Inc</td>
<td>35.67</td>
<td>4.75</td>
<td>3.33</td>
<td>4.32%</td>
<td>$0.25</td>
<td>$0.41</td>
<td>8.4%</td>
</tr>
<tr>
<td>Shift4 Payments Inc</td>
<td>54.07</td>
<td>8.51</td>
<td>1.99</td>
<td>5.7%</td>
<td>$0.13</td>
<td>$0.23</td>
<td>29.83%</td>
</tr>
<tr>
<td>Euronet Worldwide Inc</td>
<td>16.84</td>
<td>3.57</td>
<td>1.26</td>
<td>6.76%</td>
<td>$0.18</td>
<td>$0.41</td>
<td>5.02%</td>
</tr>
<tr>
<td>The Western Union Co</td>
<td>7.12</td>
<td>8.95</td>
<td>0.97</td>
<td>33.62%</td>
<td>$0.24</td>
<td>$0.4</td>
<td>-8.85%</td>
</tr>
<tr>
<td>StoneCo Ltd</td>
<td>10.08</td>
<td>1.21</td>
<td>1.55</td>
<td>3.29%</td>
<td>$1.13</td>
<td>$2.25</td>
<td>11.86%</td>
</tr>
<tr>
<td>Payoneer Global Inc</td>
<td>29.54</td>
<td>4.38</td>
<td>3.28</td>
<td>4.87%</td>
<td>$0.06</td>
<td>$0.2</td>
<td>15.86%</td>
</tr>
<tr>
<td>PagSeguro Digital Ltd</td>
<td>7.61</td>
<td>0.99</td>
<td>1.53</td>
<td>3.59%</td>
<td>$1.83</td>
<td>$-0.02</td>
<td>6.74%</td>
</tr>
<tr>
<td>DLocal Ltd</td>
<td>19.68</td>
<td>5.58</td>
<td>3.71</td>
<td>10.06%</td>
<td>$0.06</td>
<td>$0.07</td>
<td>6.29%</td>
</tr>
<tr>
<td>Paymentus Holdings Inc</td>
<td>76.23</td>
<td>5.46</td>
<td>3.59</td>
<td>2.1%</td>
<td>$0.02</td>
<td>$0.06</td>
<td>32.55%</td>
</tr>
<tr>
<td>Evertec Inc</td>
<td>31.97</td>
<td>4.44</td>
<td>2.82</td>
<td>6.44%</td>
<td>$0.09</td>
<td>$0.11</td>
<td>26.88%</td>
</tr>
<tr>
<td>Average</td>
<td>33.18</td>
<td>7.68</td>
<td>3.95</td>
<td>8.44%</td>
<td>$0.86</td>
<td>$1.22</td>
<td>10.41%</td>
</tr>
</tbody>
</table>
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 </style>After a detailed analysis of Visa, the following trends become apparent: 
<ul>
<li>
The stock's Price to Earnings ratio of 29.64 is lower than the industry average by 0.89x, suggesting potential value in the eyes of market participants.
</li>
<li>
The elevated Price to Book ratio of 14.06 relative to the industry average by 1.83x suggests company might be overvalued based on its book value.
</li>
<li>
With a relatively high Price to Sales ratio of 16.21, which is 4.1x the industry average, the stock might be considered overvalued based on sales performance.
</li>
<li>
With a Return on Equity (ROE) of 12.62% that is 4.18% above the industry average, it appears that the company exhibits efficient use of equity to generate profits.
</li>
<li>
The Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) of $6.45 Billion is 7.5x above the industry average, highlighting stronger profitability and robust cash flow generation.
</li>
<li>
The company has higher gross profit of $7.13 Billion, which indicates 5.84x above the industry average, indicating stronger profitability and higher earnings from its core operations.
</li>
<li>
The company's revenue growth of 9.57% is significantly lower compared to the industry average of 10.41%. This indicates a potential fall in the company's sales performance.
</li>
</ul>
<h3>Debt To Equity Ratio</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1728054025_0.png" alt="debt to equity" />
The debt-to-equity (D/E) ratio helps evaluate the capital structure and financial leverage of a company.
Considering the debt-to-equity ratio in industry comparisons allows for a concise evaluation of a company's financial health and risk profile, aiding in informed decision-making.
When examining Visa in comparison to its top 4 peers with respect to the Debt-to-Equity ratio, the following information becomes apparent:
<ul>
<li>
Visa demonstrates a stronger financial position compared to its top 4 peers in the sector.
</li>
<li>
With a lower debt-to-equity ratio of 0.54, the company relies less on debt financing and maintains a healthier balance between debt and equity, which can be viewed positively by investors.
</li>
</ul>
<h3>Key Takeaways</h3>
For Visa, the PE ratio is low compared to peers, indicating potential undervaluation. The high PB and PS ratios suggest strong market sentiment and revenue multiples. In terms of ROE, EBITDA, and gross profit, Visa demonstrates high profitability and operational efficiency. However, the low revenue growth may raise concerns about future performance relative to industry peers in the Financial Services sector.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Comparing Visa With Industry Competitors In Financial Services Industry

On Thursday, Visa Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) announced its new Visa Tokenized Asset Platform (VTAP). It is designed to help financial institutions issue and manage fiat-backed tokens on blockchain networks, <a target="_blank" href="https://www.benzinga.com/pressreleases/24/10/b41162006/visa-introduces-the-visa-tokenized-asset-platform" rel="noreferrer noopener">bridging existing fiat currencies with blockchain technology.</a>
BBVA has been testing core VTAP functionalities this year, including issuing, transferring, and redeeming a bank token on a testnet blockchain. They aim to launch an initial pilot with select customers on the public Ethereum blockchain in 2025.
&#8220;Visa has been at the forefront of digital payments for nearly sixty years, and with the introduction of VTAP, we are once again setting the pace for the industry,&#8221; said Vanessa Colella, Global Head of Innovation and Digital Partnerships of Visa.
Visa&#8217;s VTAP allows banks to safely and efficiently bring fiat currencies onto blockchain networks.
Also Read:<a target="_blank" href="https://www.benzinga.com/markets/cryptocurrency/24/10/41122002/playbux-ceo-envisions-web3-future-where-crypto-is-earned-via-gaming-shopping" rel="noreferrer noopener"> Playbux CEO Envisions Web3 Future Where Crypto Is Earned Via Gaming, Shopping</a>
It offers easy integration with minimal technical setup through accessible APIs, enabling banks to mint and transfer fiat-backed tokens.
VTAP supports programmability, allowing banks to use smart contracts to automate workflows and transactions.
Additionally, it promotes interoperability across various blockchains, facilitating secure cross-chain exchanges of tokenized real-world assets.
&#8220;This collaboration marks a significant milestone in our exploration of the potential of blockchain technology and will ultimately help enable us to broaden our banking services and expand the market with new financial solutions,&#8221; said Francisco Maroto, Head of Blockchain and Digital Assets, BBVA.
Price Action: V shares are trading lower by 0.26% to $276.69 at the last check on Thursday.
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Photo via Shutterstock

Equities

Movers

General

Visa Teams Up with BBVA To Issue Fiat-Backed Tokens On Blockchain Networks, Plans Initial Pilot By 2025

BMO Capital analyst Rufus Hone maintains Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) with a Outperform and raises the price target from $300 to $310.

BMO Capital Maintains Outperform on Visa, Raises Price Target to $310

Visa Launches Visa Tokenized Asset Platform (VTAP) To Help Banks Issue Fiat-Backed Tokens; BBVA To Use VTAP For Token Creation On Public Ethereum Blockchain; Live Pilots Expected In 2025; VTAP Available On Visa Developer Platform For Financial Institutions To Experiment In Sandbox Environment

Whales with a lot of money to spend have taken a noticeably bearish stance on Visa.
Looking at options history for Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) we detected 10 trades.
If we consider the specifics of each trade, it is accurate to state that 10% of the investors opened trades with bullish expectations and 40% with bearish.
From the overall spotted trades, 3 are puts, for a total amount of $131,105 and 7, calls, for a total amount of $395,465.
<h3>What's The Price Target?</h3>
Based on the trading activity, it appears that the significant investors are aiming for a price territory stretching from $250.0 to $330.0 for Visa over the recent three months. 
<h3>Volume &amp; Open Interest Development</h3>
Examining the volume and open interest provides crucial insights into stock research. This information is key in gauging liquidity and interest levels for Visa's options at certain strike prices. Below, we present a snapshot of the trends in volume and open interest for calls and puts across Visa's significant trades, within a strike price range of $250.0 to $330.0, over the past month.
<h3>Visa Option Activity Analysis: Last 30 Days</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1727887576_0.png" alt="Options Call Chart" />
<h3>Noteworthy Options Activity:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th style="text-align: right;">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>V</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$16.4</td>
<td>$16.2</td>
<td>$16.4</td>
<td>$290.00</td>
<td>$163.9K</td>
<td>988</td>
<td style="text-align: right;">1</td>
</tr>
<tr>
<td>V</td>
<td>PUT</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>01/17/25</td>
<td>$12.2</td>
<td>$11.9</td>
<td>$12.05</td>
<td>$280.00</td>
<td>$75.9K</td>
<td>1.4K</td>
<td style="text-align: right;">63</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>02/21/25</td>
<td>$6.4</td>
<td>$6.25</td>
<td>$6.33</td>
<td>$300.00</td>
<td>$63.3K</td>
<td>348</td>
<td style="text-align: right;">100</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>01/17/25</td>
<td>$32.7</td>
<td>$32.6</td>
<td>$32.6</td>
<td>$250.00</td>
<td>$52.1K</td>
<td>3.9K</td>
<td style="text-align: right;">32</td>
</tr>
<tr>
<td>V</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>01/17/25</td>
<td>$33.05</td>
<td>$32.65</td>
<td>$32.65</td>
<td>$250.00</td>
<td>$32.6K</td>
<td>3.9K</td>
<td style="text-align: right;">6</td>
</tr>
</tbody>
</table>

<h3>About Visa</h3>
Visa is the largest payment processor in the world. In fiscal 2023, it processed almost $15 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
<h3>Where Is Visa Standing Right Now?</h3>
<ul>
<li>Trading volume stands at 1,754,005, with V's price down by -0.5%, positioned at $276.2.</li>
<li>RSI indicators show the stock to be is currently neutral between overbought and oversold.</li>
<li>Earnings announcement expected in 20 days.</li>
</ul>
<h3>Expert Opinions on Visa</h3>
Over the past month, 5 industry analysts have shared their insights on this stock, proposing an average target price of $315.2.
Unusual Options Activity Detected: Smart Money on the Move
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&#x2A; Consistent in their evaluation, an analyst from Morgan Stanley keeps a Overweight rating on Visa with a target price of $322. 
&#x2A; An analyst from Goldman Sachs persists with their Buy rating on Visa, maintaining a target price of $317. 
&#x2A; An analyst from Oppenheimer has revised its rating downward to Outperform, adjusting the price target to $318. 
&#x2A; An analyst from Compass Point downgraded its action to Buy with a price target of $319. 
&#x2A; An analyst from Macquarie has decided to maintain their Outperform rating on Visa, which currently sits at a price target of $300. 
Options trading presents higher risks and potential rewards. Astute traders manage these risks by continually educating themselves, adapting their strategies, monitoring multiple indicators, and keeping a close eye on market movements. Stay informed about the latest Visa options trades with real-time alerts from <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.

What the Options Market Tells Us About Visa

Analysts' ratings for Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) over the last quarter vary from bullish to bearish, as provided by 17 analysts.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">5</td>
<td style="text-align: right;">10</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">6</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
The 12-month price targets, analyzed by analysts, offer insights with an average target of $310.59, a high estimate of $322.00, and a low estimate of $290.00. Observing a 0.74% increase, the current average has risen from the previous average price target of $308.31. 
<img src="https://www.benzinga.com/files/images/story/2024/1727798456_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Visa. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Rayna Kumar</td>
<td>Oppenheimer</td>
<td>Raises</td>
<td>Outperform</td>
<td>$318.00</td>
<td>$289.00</td>
</tr>
<tr>
<td>Paul Golding</td>
<td>Macquarie</td>
<td>Maintains</td>
<td>Outperform</td>
<td>$300.00</td>
<td>$300.00</td>
</tr>
<tr>
<td>James Faucette</td>
<td>Morgan Stanley</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$322.00</td>
<td>$322.00</td>
</tr>
<tr>
<td>Jason Kupferberg</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Neutral</td>
<td>$308.00</td>
<td>$279.00</td>
</tr>
<tr>
<td>Matthew O'Neill</td>
<td>Goldman Sachs</td>
<td>Maintains</td>
<td>Buy</td>
<td>$317.00</td>
<td>$317.00</td>
</tr>
<tr>
<td>Dominick Gabriele</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Buy</td>
<td>$319.00</td>
<td>-</td>
</tr>
<tr>
<td>Tien-Tsin Huang</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$320.00</td>
<td>$290.00</td>
</tr>
<tr>
<td>Paul Golding</td>
<td>Macquarie</td>
<td>Maintains</td>
<td>Outperform</td>
<td>$300.00</td>
<td>$300.00</td>
</tr>
<tr>
<td>Ashwin Shirvaikar</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Buy</td>
<td>$319.00</td>
<td>$321.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$311.00</td>
<td>$315.00</td>
</tr>
<tr>
<td>Tien-Tsin Huang</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$290.00</td>
<td>$300.00</td>
</tr>
<tr>
<td>Trevor Williams</td>
<td>Jefferies</td>
<td>Lowers</td>
<td>Buy</td>
<td>$300.00</td>
<td>$325.00</td>
</tr>
<tr>
<td>Bryan Bergin</td>
<td>TD Cowen</td>
<td>Lowers</td>
<td>Buy</td>
<td>$318.00</td>
<td>$320.00</td>
</tr>
<tr>
<td>James Faucette</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$322.00</td>
<td>$326.00</td>
</tr>
<tr>
<td>Arvind Ramnani</td>
<td>Piper Sandler</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$319.00</td>
<td>$322.00</td>
</tr>
<tr>
<td>Tien-Tsin Huang</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$300.00</td>
<td>$302.00</td>
</tr>
<tr>
<td>Jason Kupferberg</td>
<td>B of A Securities</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$297.00</td>
<td>$305.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Visa. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Visa compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Visa's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
To gain a panoramic view of Visa's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/V/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Visa analyst ratings.</a>
<h2>Unveiling the Story Behind Visa</h2>
Visa is the largest payment processor in the world. In fiscal 2023, it processed almost $15 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
<h3>Understanding the Numbers: Visa's Finances</h3>
Market Capitalization Analysis: With a profound presence, the company's market capitalization is above industry averages. This reflects substantial size and strong market recognition.
Revenue Growth: Visa displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately 9.57%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Visa's net margin excels beyond industry benchmarks, reaching 54.74%. This signifies efficient cost management and strong financial health.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 12.62%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): Visa's ROA excels beyond industry benchmarks, reaching 5.31%. This signifies efficient management of assets and strong financial health.
Debt Management: With a below-average debt-to-equity ratio of 0.54, Visa adopts a prudent financial strategy, indicating a balanced approach to debt management.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.
Breaking: Wall Street's Next Big Mover
Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights">Click here for urgent details</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings For Visa

Playbux CEO Sarun Vichayabhai predicts that movies, games and TV shows will one day be &#8220;far more interactive and personalized&#8221; <a href="https://www.benzinga.com/general/entertainment">than they are today</a>.
The key to this evolution? Playbux&#8217;s so-called &#8220;real intelligence (RI)&#8221; technology. It combines artificial intelligence with more intuitive human traits, Vichayabhai tells Benzinga.
In gaming, for example, the tech will allow players to accumulate digital assets or rewards via play-to-earn or shop-to-earn opportunities. In the third quarter, Playbux users, on average, earned 257 Tether (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">USDT</a>) from free raffles and package sales.
See Also: <a href="https://www.benzinga.com/markets/cryptocurrency/24/09/40924865/hamster-kombat-to-launch-game-development-ecosystem-aiming-to-onboard-next-billion-into-we">Hamster Kombat To Launch Game Development Ecosystem, Aiming To Onboard &#8216;Next Billion&#8217; Into Web3</a>
Playbux, backed by Visa Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), touts itself as the world's largest X-to-earn platform, with over 700,000 users and some 19 million transactions since 2022. Below, Vichayabhai discusses the future of web3, how it will integrate with entertainment and the role he hopes Playbux will play as AI evolves.
<h2 class="wp-block-heading">BZ: What differentiates Playbux&#8217;s RI technology from other AI engines?</h2>
Vichayabhai: Playbux&#8217;s RI is designed to blend the analytical power of AI with more intuitive human traits, which sets it apart from conventional AI. Most AI engines focus solely on data-driven decisions, but Playbux aims to create interactions that feel genuinely personalized and emotionally resonant. The key difference lies in how RI adapts to users&#8217; emotional states, preferences, and behaviors in real time, almost mimicking human interaction.&nbsp;
<h2 class="wp-block-heading">BZ: How do you see RI evolving the web3 entertainment space?</h2>
I see RI becoming a central feature for creating more immersive and emotionally engaging experiences in gaming, social interactions and content creation. Over the next few years, it could enable dynamic storytelling, where movies, games and shows evolve based on audience interaction, making entertainment far more interactive and personalized than it is today.
<h2 class="wp-block-heading">BZ: What strategies or innovations contributed most to Playbux&#8217;s growth?</h2>
Playbux's growth is due to a few critical innovations. One of the key strategies is our multi-faceted &#8220;earn&#8221; approach, allowing users to monetize various activities — be it gaming, shopping, or content creation. This diversification taps into different interests and keeps users engaged in the ecosystem longer.
They've also innovated by making the user experience seamless, with blockchain integrated but not necessarily visible. This makes the technology accessible to those who may not even understand Web3 concepts. To maintain this momentum, Playbux could continue refining this approach by expanding partnerships, creating more types of activities users can earn from, and exploring real-world value exchange such as allowing users to spend tokens earned on external platforms.
<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="300" height="250" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/03/27091545/Benzinga-conference.gif" alt="Benzinga future of digital assets conference" class="wp-image-267246" /></figure>
<h2 class="wp-block-heading">BZ: As Web3 emerges across entertainment, how will it transform movies, TV shows and video games?</h2>
Web3 has the potential to radically transform entertainment by decentralizing control and ownership of content. Movies, TV shows and games could become participatory experiences where audiences have direct influence, not only on the narrative but also on the financial success of projects through NFTs or token-based economies. It can enable creators to retain more control and foster deeper connections with their communities.
<h2 class="wp-block-heading">BZ: What role do you see Playbux playing in that shift?</h2>
Playbux could play a crucial role here by building a platform where users don&#8217;t just consume content but actively participate in its creation and curation. For example, imagine a game where players own their in-game assets, vote on future game developments or even co-create storylines. It's this kind of interactivity and empowerment that could redefine the entertainment industry.
<h2 class="wp-block-heading">BZ: What are some of your biggest challenges while launching Playbux?</h2>
With over 27 years in tech, one of the biggest challenges in launching Playbux was likely the complex intersection of different technologies — blockchain, AI and gaming. It's a new frontier, and navigating regulatory uncertainty, user adoption barriers and technical scalability issues are tough. Convincing a mass audience to embrace Web3 without fully understanding it remains a challenge.
However, the opportunities are vast. The convergence of AI and blockchain opens new doors for real-time ownership verification, decentralized governance models and new forms of entertainment. RI-powered platforms can drive hyper-personalized content in a decentralized world, giving both creators and consumers more meaningful experiences.
<h2 class="wp-block-heading">BZ: Given the rapid development in AI and blockchain technology, where do you see Playbux in the future?</h2>
In the next five to 10 years, Playbux could evolve into a major player in the decentralized entertainment industry. I see them scaling their ecosystem to tens of millions of users, with more diverse &#8220;X-to-earn&#8221; experiences spanning across not just digital but physical spaces (think augmented reality, digital fashion or in-person events).&nbsp;
A key milestone would be successfully building out a decentralized content-creation platform where users earn from co-creating entertainment experiences in a fully tokenized economy. Another important goal will be staying at the forefront of AI advancements and ensuring Playbux's RI technology leads in creating emotionally intelligent, personalized experiences for users.
What's Next: The conversation around cryptocurrency and state policies will be further explored at Benzinga's <a href="https://www.benzinga.com/events/digital-assets/agenda/" target="_blank" rel="noreferrer noopener">Future of Digital Assets</a>&nbsp;event on Nov. 19.
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Oppenheimer analyst Rayna Kumar assumes Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) with a Outperform rating and raises Price Target to $318.

Initiation

Oppenheimer Assumes Visa at Outperform, Raises Price Target to $318

There aren&#39;t&nbsp;many deals to consider for further value in the&nbsp;<a href="https://www.marketbeat.com/stocks/sectors/computer-and-technology/" rel="noopener" target="_blank">technology sector</a>. However, one stock is looking to change that narrative by delivering on previous promises. Shares of&nbsp;PayPal Holdings Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/pypl#NASDAQ">PYPL</a>) have recently made a new 52-week high, now trading near $80 a share for the first time since the first quarter of 2023. The issue becomes whether they can sustain this new price or even reach&nbsp;a higher valuation.
According to a few Wall Street analysts, PayPal may be able to do this in the coming quarters. The <a href="https://www.marketbeat.com/stocks/sectors/finance/">financial sector</a> is one of the first to move when the economic landscape shifts, such as today, with the interest rate pivot coming from the Federal Reserve (the Fed) to help boost transaction volume and fees for stocks like PayPal. But then, there&#39;s the subject of competition.
It&#39;s true that PayPal doesn&#39;t operate in a vacuum. It competes with behemoths in the space like Visa Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/v#NYSE">V</a>) and Mastercard Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ma#NYSE">MA</a>). Even in the smaller market bracket, PayPal must remain competitive and attractive relative to competitors like <a href="https://www.marketbeat.com/stocks/NYSE/SQ/">Block Inc. (NYSE: </a><a class="ticker" href="https://www.benzinga.com/stock/sq#NYSE">SQ</a>). Investors could safely assume this may be the case moving forward with PayPal stock for reasons that will become clear in just a bit.
<h3>Price Action and Forecasts Position PayPal Stock Ahead </h3>
Investors can begin to get a feel for what the market feels about PayPal stock through price action. Compared to its closest competitor, Block, PayPal is trading at a new 52-week high now, while Block is trading down to roughly <a href="https://www.marketbeat.com/stocks/NYSE/SQ/chart/">77% of its 52-week high</a>.
There must be a reason traders and markets are bidding higher for PayPal, which can be found in expectations and forecasts. Earnings per share (EPS) growth forecasts reflect PayPal&#39;s jump from $1.19 in profits today to <a href="https://www.marketbeat.com/stocks/NASDAQ/PYPL/earnings/">$1.30 for the same quarter next year</a>.
This 10% jump is significantly higher than <a href="https://www.marketbeat.com/stocks/NYSE/SQ/earnings/">Block&#39;s EPS forecasts for $0.50</a>, down from today&#39;s $0.93, a nearly 50% contraction in comparison. Given that PayPal is a $74 billion company, investors cannot&mdash;and should not&mdash;compare its growth to that of Visa or Mastercard, which are closer to the half-trillion mark.
However, investors can compare upside potential. Those at Mizuho Financial decided to place a $90 price target on PayPal a couple of months ago, jumping the gun early given that nobody else followed the trend until now. Analysts from Deutsche Bank topped Mizuho&#39;s view with a <a href="https://www.marketbeat.com/stocks/NASDAQ/PYPL/forecast/">$94 a share price target</a>.
This implies that despite the current yearly high, PayPal has about 21.2% upside left to run higher. PayPal takes the lead compared to <a href="https://www.marketbeat.com/stocks/NYSE/SQ/forecast/">Block&#39;s recent $70 price target</a> from New Street Research. When it comes to Visa and Mastercard, a respective <a href="https://www.marketbeat.com/stocks/NYSE/V/forecast/">7.5%</a> and <a href="https://www.marketbeat.com/stocks/NYSE/MA/forecast/">3% upside</a> potential pales next to PayPal&#39;s growth.
The question is whether PayPal&#39;s financials and business have what it takes to deliver on these promises.
<h3>PayPal Proves Stronger Than Investors Previously Expected</h3>
Looking at <a href="https://s201.q4cdn.com/231198771/files/doc_financials/2024/q2/PYPL-2Q-24-Earnings-Release.pdf">PayPal&#39;s latest quarterly earnings results</a>, the trend toward a potential higher price becomes clearer. Starting with revenues, PayPal reported a net increase of 8%, along with a similar 8% expansion in transaction margins to boost further profitability down the line.
Regarding other drivers or key performance indicators (KPIs), PayPal didn&#39;t disappoint either. Total payment volume rose 11% in the year to $416.8 billion, and transactions per active account also rose 11% in signal activity within the platform despite worries about the consumer and business economy.
Here&#39;s why markets and bears have kept PayPal stock so low during the past few quarters. Net active accounts decreased by 0.4% to 429 million, which may have been enough to scare capital away from this company. Still, those savvy enough will focus on the other profit metrics on the rise.
All told, PayPal reported up to $1.4 billion in free cash flow (operating cash flow minus capital expenditures). Knowing that the best is just ahead for PayPal, management has committed up to 100% of the company&#39;s free cash flow into a share buyback program.
This addition to the buyback program would put PayPal on pace to buy back up to $5 billion worth of stock, which is nearly 10% of the company&#39;s market capitalization. When management approves such aggressive buybacks, it typically means they think the stock is cheap enough today and also expect to see higher prices ahead.
However, management isn&#39;t the only one buying up PayPal stock; those at Legal &amp; General Group decided to boost their holdings by as much as 3.3% as of August 2024, bringing their net position to <a href="https://www.marketbeat.com/stocks/NASDAQ/PYPL/institutional-ownership/">$501.2 million today</a>. This is only a fraction of the $4 billion of institutional capital called PayPal stock home over the past 12 months, a figure investors can safely assume will increase.
The article &quot;<a href="https://www.marketbeat.com/stock-ideas/paypal-soars-to-new-heights-why-analysts-see-more-upside/">PayPal Soars to New Heights: Why Analysts See More Upside</a>&quot; first appeared on MarketBeat.

PYPL

PayPal Soars To New Heights: Why Analysts See More Upside

Macquarie analyst Paul Golding maintains Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) with a Outperform and maintains $300 price target.

Macquarie Maintains Outperform on Visa, Maintains $300 Price Target

Former President Donald Trump has called for the prosecution of former Speaker of the House&nbsp;Nancy Pelosi&nbsp;(D-Calif.) over her husband's Visa Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) stock trades. Trump suggested <a href="https://www.benzinga.com/news/24/09/41009461/visa-shares-are-moving-lower-today-what-you-need-to-know">Pelosi was involved in insider trading</a>.
What Happened: During a press conference at Trump Tower in New York, Trump claimed that Paul Pelosi, who is a venture capitalist and real estate investor sold a significant amount of Visa stock just before the Department of Justice announced a lawsuit against the credit card company. 
Financial disclosures show that Paul Pelosi sold 2,000 shares of Visa stock, <a href="https://www.benzinga.com/etfs/specialty-etfs/24/07/39618512/nancy-pelosi-loads-up-on-more-nvidia-shares-sells-tesla-she-always-reports-right-before-a-hol">valued between $500,000 and $1 million</a>, on Jul 1.
On Tuesday, nearly three months after the sale, Visa faced a DOJ <a href="https://www.benzinga.com/markets/equities/24/09/40996656/visa-reportedly-faces-doj-antitrust-lawsuit-alleging-monopolization-of-us-debit-card-market-amid">lawsuit for allegedly monopolizing the debit card market</a>. Trump implied that Nancy Pelosi had prior knowledge of the lawsuit and informed her husband. 
&#8220;Think of that. Nancy Pelosi sold vast amounts of Visa stock one day before the big lawsuit that we all read about a few days ago,&#8221; Trump stated. It should be noted that &#8220;Nancy Pelosi Stock Tracker&#8221; — an account on X — <a href="https://x.com/PelosiTracker_/status/1838369997342806452">mentioned</a> the trade on Tuesday, which is the same day the Department of Justice sued the payments processor. 
The X account noted the comments from Trump on the trade and said, &#8220;To be clear, she sold a couple months before the DOJ lawsuit, not a day before.&#8221; It was described as a &#8220;bad look&#8221; by the X tracker.
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">LFG Trump called out the story we broke yesterday &#x1fae1; To be clear, she sold a couple months before the DOJ lawsuit, not a day before But his point still remains, it's a very bad look And why we'll keep calling her out <a href="https://t.co/EwylPpyw3Q">https://t.co/EwylPpyw3Q</a>
&mdash; Nancy Pelosi Stock Tracker &#x265f; (@PelosiTracker_) <a href="https://twitter.com/PelosiTracker_/status/1839428772313047550?ref_src=twsrc%5Etfw">September 26, 2024</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Trump, 78, firmly asserted, "She should be prosecuted. Nancy Pelosi should be prosecuted for that." 
Visa shares dropped 5.5% on the day the lawsuit was announced, according to <a href="https://www.benzinga.com/pro/login">data from Benzinga Pro</a>. 
See Also: <a href="https://www.benzinga.com/trading-ideas/long-ideas/24/09/41000017/how-to-earn-500-a-month-from-nvidia-stock?itm_source=parsely-api" target="_blank" rel="noreferrer noopener">How To Earn $500 A Month From Nvidia Stock</a>
Why It Matters: The call for prosecution comes amid a heated political climate. Recently, Nancy Pelosi has been vocal about her stance against Trump. On Tuesday, <a href="https://www.benzinga.com/news/24/09/41017128/nancy-pelosi-says-dont-be-distracted-by-whats-his-names-insults-and-conspiracies-asks-voters-to-choo">she urged voters to ignore Trump</a>&#8216;s &#8220;insults and conspiracies&#8221; and focus on electing Democratic presidential nominee Kamala Harris and other Democrats.
Pelosi has also been involved in other significant political debates. In August, she opposed a bill aimed at regulating artificial intelligence <a href="https://www.benzinga.com/government/24/08/40484108/gavin-newsoms-california-wants-to-regulate-ai-but-its-facing-stiff-opposition-from-both-big-tech-as">development in California</a>, showing her influence in legislative matters.
Furthermore, Pelosi has emphasized the importance of unity in the country. In early September, she stated her commitment to ensuring Trump is not re-elected, highlighting the ongoing <a href="https://www.benzinga.com/news/24/09/40670139/nancy-pelosi-the-only-responsibility-i-will-take-for-donald-trump-is-to-make-sure-hes-not-reelected">political rivalry between the two figures</a>.
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Image via Shutterstock
Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.

Government

Global

Trump Wants Nancy Pelosi Prosecuted Over Husband Paul's Visa Stock Sale Before DOJ Lawsuit: 'You Think It Was Luck? I Don't Think So'

Visa On Sept 24 Authorized Deposit Of $1.5B Into Litigation Escrow Account

Mastercard (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ma#NYSE">MA</a>) just announced an acquisition to beef up its capabilities in cybersecurity and threat prevention. It will buy Recorded Future, the world&#39;s largest threat intelligence firm. When it comes to companies deeply embedded in the payments industry, it makes sense why Mastercard spent $2.65 billion on the company.
<h2>Preventing Fraud Is Important Now More Than Ever</h2>
Knowing that Mastercard is doing everything it can to protect its customers&#39; money is essential to keeping the trust it has built over the years. Keeping this trust is important to Mastercard being the payment method of choice for merchants. Collecting fees from merchants when transactions take place at their businesses is one of the main ways Mastercard generates revenue.
When a fraudulent purchase is made using someone&#39;s card, banks often reimburse the consumer. When that happens, it comes out of the merchant&#39;s wallet, largely in the form of fees and chargebacks.
Ensuring that Mastercard minimizes the threat of fraud that leaves merchants holding the bag allows the company to maintain its position as one of the two leaders in the payment space. The other leader is Visa (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/v#NYSE">V</a>).
Having a strong position in the arena is particularly important now as fraud and cybercrime are on the rise. The cost of cybercrime in 2023 is estimated at over $8 trillion per year. Based on gross domestic product (GDP) data, that is approximately 30% of the value of the United States economy&mdash;nearly double the GDP of Germany.
Mastercard was already working with Recorded Future on tech that alerts banks when a card is likely compromised. They say the identification rate of compromised cards has doubled since the technology launched last year. Analysts at William Blair see the Recorded Future deal as &quot;bolstering Mastercard&#39;s competitive advantage.&quot;
<h2>Recorded Future Presents Growth Opportunity for Mastercard</h2>
Not only can the acquisition help secure the company&#39;s competitive position with merchants, but it will also bring in significant revenue. The company makes about $300 million from subscriptions to its threat intelligence platform. This business will likely fall into Mastercard&#39;s Value-Added Services and Solutions segment, which made up 37% of total revenue in 2023.
Though $300 million is a drop in the bucket vs. Mastercard&#39;s 2023 revenue of $25.1 billion, Mastercard will aim to grow the business significantly. The company&#39;s massive reach can help extend the product to a much wider range of customers. Additionally, the increased intelligence that Recorded Future brings will make Mastercard&#39;s cybersecurity offerings more attractive.
<h2>Mastercard&#39;s Commitment to Acquisitions and AI Investment Are Strong Competitive Moves</h2>
Both Visa and Mastercard are investing to boost their threat prevention. However, rather than acquisitions, Visa has used more internal investment and strategic partnerships. The company has reportedly invested &quot;$10 billion in technology, including $500 million on AI and data infrastructure to guard against fraudulent activity.&quot;
However, due to its specific focus on AI, the acquisition of Recorded Future feels like an advantage for Mastercard. According to the FBI, criminals are increasing their use of AI to commit cybercrime. To stop these increasingly advanced threats, companies need to use increasingly advanced protection. Investing significantly in AI is how Mastercard can stay ahead of the curve.
Visa recognizes this too. The firm is reportedly in advanced talks to acquire an AI and machine learning fraud prevention company of its own. The company is called Featurespace, and its clients include financial institutions like HSBC (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/hsbc#NYSE">HSBC</a>). At first glance, Featurespace may be a better fit for fraud prevention than Recorded Future. The company tends to focus specifically on this issue with financial institutions.
However, Recorded Future&#39;s broader focus may also open up opportunities for Mastercard that it would not have otherwise known about if it had bought a company focused on one particular industry. It may be a case of &quot;you get what you pay for.&quot; The Featurespace acquisition is reported to be around $925 million, much less than Mastercard&#39;s $2.65 billion investment.
This&nbsp;isn&#39;t Mastercard&#39;s only acquisition that uses AI to prevent threats. In 2023, it also bought&nbsp;Baffin Bay Networks, although&nbsp;the purchase is believed to be extremely small compared to the Recorded Future deal.
Currently, Mastercard has 23 buy ratings, five hold ratings, and no sell ratings from Wall Street.
The article &quot;<a href="https://www.marketbeat.com/originals/mastercard-investing-in-ai-and-cybersecurity-to-beat-out-visa/">Mastercard: Investing in AI and Cybersecurity to Beat Out Visa</a>&quot; first appeared on MarketBeat.

Offerings

Tech

HSBC

Mastercard: Investing in AI and Cybersecurity to Beat Out Visa

Visa Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) shares are trading higher on Thursday. The company inked a deal to acquire<a target="_blank" href="https://www.benzinga.com/pressreleases/24/09/b41046498/visa-to-acquire-featurespace" rel="noreferrer noopener"> </a><a target="_blank" href="https://www.benzinga.com/pressreleases/24/09/b41046498/visa-to-acquire-featurespace" rel="noreferrer noopener">Featurespace </a><a target="_blank" href="https://www.benzinga.com/pressreleases/24/09/b41046498/visa-to-acquire-featurespace" rel="noreferrer noopener">for an undisclosed amount</a>.
Featurespace is a developer of real-time AI payments protection technology that addresses fraud and financial crime risks.
This acquisition is expected to enhance Visa&#8217;s portfolio of fraud detection and risk-scoring solutions, supporting clients globally in growing and safeguarding their businesses.
The partnership between Visa and Featurespace is projected to empower clients to manage fraud in real-time and strengthen the payments ecosystem through AI-driven solutions.
Also Read: <a target="_blank" href="https://www.benzinga.com/markets/equities/24/09/40996656/visa-reportedly-faces-doj-antitrust-lawsuit-alleging-monopolization-of-us-debit-card-market-amid" rel="noreferrer noopener">Visa Reportedly Faces DOJ Antitrust Lawsuit Alleging Monopolization Of US Debit Card Market Amid Regulatory Crackdown</a>
This investment underscores Visa&#8217;s commitment to ecosystem security, having invested billions in technology over the past five years to reduce fraud and enhance network security.
The transaction, which is subject to standard closing conditions, is expected to close in fiscal year 2025.
Antony Cahill, Global Head of Value-added Services at Visa, stated, &#8220;Providing our clients with solutions that can adapt to and anticipate the changing threat landscape is of the utmost importance. Featurespace&#8217;s strong foundation in AI will enhance our existing product portfolio and enable us to address our clients&#8217; most complex and pressing challenges.&#8221;
As of June 30, Visa&#8217;s cash and cash equivalents <a target="_blank" href="https://s1.q4cdn.com/050606653/files/doc_financials/2024/q3/Q3-2024-Earnings-Release_vF.pdf" rel="noreferrer noopener">stood </a>at $19.7 billion.
This month, Visa planned to launch an account-to-account (A2A) payment service in the U.K. in early 2025, <a target="_blank" href="https://www.benzinga.com/markets/equities/24/09/40728834/whats-going-on-with-visa-stock-premarket-thursday" rel="noreferrer noopener">using open banking technology</a>.
Investors can gain access to the stock via&nbsp;iShares U.S. Financial Services ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IYG#NYSE">IYG</a>) and&nbsp;SPDR Select Sector Fund – Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>).
Price Action: V shares are up 1.21% at $272.91 at the last check Thursday.
Image from Shutterstock
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iShares Trust Dow Jones US Financial Services Index Fund

Visa Takes On Financial Crime: Acquires AI Fraud Specialist Featurespace, Strengthening Payment Security

Visa To Acquire Real-Time AI Payments Protection Technology Developer, Featurespace; Financial Details Not Disclosed

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders will search for circumstances when the market estimation of an option diverges heavily from its normal worth. High amounts of trading activity could push option prices to exaggerated or underestimated levels. 
Here's the list of options activity happening in today's session: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>PYPL</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>03/21/25</td>
<td>$80.00</td>
<td>$1.5 million</td>
<td>5.0K</td>
<td>2.0K</td>
</tr>
<tr>
<td>WFC</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>11/15/24</td>
<td>$57.50</td>
<td>$29.4K</td>
<td>9.3K</td>
<td>1.2K</td>
</tr>
<tr>
<td>GPN</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>10/18/24</td>
<td>$100.00</td>
<td>$26.0K</td>
<td>589</td>
<td>1.0K</td>
</tr>
<tr>
<td>SQ</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>10/18/24</td>
<td>$62.00</td>
<td>$33.3K</td>
<td>900</td>
<td>835</td>
</tr>
<tr>
<td>CUBI</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>10/18/24</td>
<td>$42.50</td>
<td>$37.5K</td>
<td>10</td>
<td>502</td>
</tr>
<tr>
<td>V</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>12/20/24</td>
<td>$255.00</td>
<td>$72.5K</td>
<td>512</td>
<td>267</td>
</tr>
<tr>
<td>USB</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$42.50</td>
<td>$104.9K</td>
<td>837</td>
<td>250</td>
</tr>
<tr>
<td>JPM</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>11/15/24</td>
<td>$195.00</td>
<td>$30.5K</td>
<td>4.0K</td>
<td>177</td>
</tr>
<tr>
<td>COIN</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>10/04/24</td>
<td>$167.50</td>
<td>$33.7K</td>
<td>175</td>
<td>157</td>
</tr>
<tr>
<td>AFRM</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>09/19/25</td>
<td>$52.50</td>
<td>$29.6K</td>
<td>18</td>
<td>154</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These itemized elaborations have been created using the accompanying table. 
• Regarding PYPL (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>), we observe a call option trade with bearish sentiment. It expires in 177 day(s) on March 21, 2025. Parties traded 2000 contract(s) at a $80.00 strike. The total cost received by the writing party (or parties) was $1.5 million, with a price of $760.0 per contract. There were 5089 open contracts at this strike prior to today, and today 2055 contract(s) were bought and sold. 
• Regarding WFC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>), we observe a call option trade with bullish sentiment. It expires in 51 day(s) on November 15, 2024. Parties traded 300 contract(s) at a $57.50 strike. The total cost received by the writing party (or parties) was $29.4K, with a price of $98.0 per contract. There were 9343 open contracts at this strike prior to today, and today 1209 contract(s) were bought and sold. 
• Regarding GPN (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPN#NYSE">GPN</a>), we observe a put option sweep with bearish sentiment. It expires in 23 day(s) on October 18, 2024. Parties traded 70 contract(s) at a $100.00 strike. This particular put needed to be split into 11 different trades to become filled. The total cost received by the writing party (or parties) was $26.0K, with a price of $372.0 per contract. There were 589 open contracts at this strike prior to today, and today 1040 contract(s) were bought and sold. 
• Regarding SQ (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SQ#NYSE">SQ</a>), we observe a call option sweep with bearish sentiment. It expires in 23 day(s) on October 18, 2024. Parties traded 66 contract(s) at a $62.00 strike. This particular call needed to be split into 14 different trades to become filled. The total cost received by the writing party (or parties) was $33.3K, with a price of $505.0 per contract. There were 900 open contracts at this strike prior to today, and today 835 contract(s) were bought and sold. 
• Regarding CUBI (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CUBI#NYSE">CUBI</a>), we observe a put option sweep with bearish sentiment. It expires in 23 day(s) on October 18, 2024. Parties traded 250 contract(s) at a $42.50 strike. This particular put needed to be split into 31 different trades to become filled. The total cost received by the writing party (or parties) was $37.5K, with a price of $150.0 per contract. There were 10 open contracts at this strike prior to today, and today 502 contract(s) were bought and sold. 
• For V (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), we notice a put option trade that happens to be bearish, expiring in 86 day(s) on December 20, 2024. This event was a transfer of 145 contract(s) at a $255.00 strike. The total cost received by the writing party (or parties) was $72.5K, with a price of $500.0 per contract. There were 512 open contracts at this strike prior to today, and today 267 contract(s) were bought and sold. 
• For USB (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>), we notice a call option sweep that happens to be bullish, expiring in 268 day(s) on June 20, 2025. This event was a transfer of 200 contract(s) at a $42.50 strike. This particular call needed to be split into 17 different trades to become filled. The total cost received by the writing party (or parties) was $104.9K, with a price of $525.0 per contract. There were 837 open contracts at this strike prior to today, and today 250 contract(s) were bought and sold. 
• For JPM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>), we notice a put option sweep that happens to be bearish, expiring in 51 day(s) on November 15, 2024. This event was a transfer of 100 contract(s) at a $195.00 strike. This particular put needed to be split into 20 different trades to become filled. The total cost received by the writing party (or parties) was $30.5K, with a price of $305.0 per contract. There were 4051 open contracts at this strike prior to today, and today 177 contract(s) were bought and sold. 
• For COIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>), we notice a call option sweep that happens to be bearish, expiring in 9 day(s) on October 4, 2024. This event was a transfer of 50 contract(s) at a $167.50 strike. This particular call needed to be split into 4 different trades to become filled. The total cost received by the writing party (or parties) was $33.7K, with a price of $679.0 per contract. There were 175 open contracts at this strike prior to today, and today 157 contract(s) were bought and sold. 
• Regarding AFRM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>), we observe a call option trade with bearish sentiment. It expires in 359 day(s) on September 19, 2025. Parties traded 32 contract(s) at a $52.50 strike. The total cost received by the writing party (or parties) was $29.6K, with a price of $925.0 per contract. There were 18 open contracts at this strike prior to today, and today 154 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more about unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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