Visa (NYSE:V) remains one of the most dominant companies in global payments, operating a massive network that enables secure digital transactions across more than 200 countries. Yet despite its scale and reputation, Visa’s stock has recently lagged the broader market, prompting investors to pay closer attention to the latest Visa stock price target estimates from Wall Street analysts.

With consumer spending trends still resilient and cross-border payment volumes improving, many analysts believe Visa is positioned to deliver steady earnings growth. That optimism is reflected in the company’s strong analyst ratings and premium valuation targets.

Visa’s Market Position Still Looks Unmatched

Visa is a payment technology leader with a global infrastructure that connects consumers, merchants, banks, and governments. Its platform processes enormous transaction volume daily, making it a core player in modern commerce. While Visa does not take credit risk like lenders, it earns revenue from payment processing, cross-border fees, and value-added services.

That business model is one reason long-term investors often view Visa as a durable compounder. Still, recent stock performance has been less exciting than the broader equity market, creating a debate around whether the current Visa stock price target range fully reflects Visa’s earnings power.

Visa Stock Has Lagged the S&P 500

Over the past year, Visa shares have posted a modest decline, while the S&P 500 Index (INDEXSP:.INX) has delivered strong gains. On a year-to-date basis, Visa has also trailed the benchmark. That relative weakness has stood out because Visa is typically viewed as a defensive growth name, benefiting from long-term trends like cash-to-digital conversion.

However, Visa has still held up better than some parts of the digital payments theme. For example, the Amplify Digital Payments ETF (NYSEARCA:IPAY) has struggled more sharply over the same time periods. This suggests Visa’s scale and profitability continue to provide a stabilizing advantage, even when investor sentiment shifts.

For those tracking analyst sentiment, underperformance can sometimes create an opening—especially when the Visa stock price target remains well above current trading levels.

Visa Earnings Beat Expectations Again

Visa delivered a notable catalyst when it reported fiscal 2026 first-quarter results, pushing the stock higher after the release. The company posted strong year-over-year net revenue growth, supported by resilient consumer activity and a solid holiday spending season. Adjusted earnings per share also increased at a healthy pace and exceeded Wall Street expectations.

Several key operating metrics reinforced the bullish case:

• Payment volume rose at a steady rate

• Processed transactions continued to climb

• Cross-border volume increased at a faster pace, reflecting international travel and global commerce strength

These results matter because cross-border transactions are typically a higher-margin part of Visa’s business. When cross-border growth accelerates, it often improves the company’s revenue mix, which can support a higher Visa stock price target over time.

Analysts See Double-Digit EPS Growth Ahead

Looking ahead, Wall Street expects Visa to continue growing earnings at a double-digit pace in fiscal 2026. That forecast reflects confidence in steady consumer spending, continued digital payment adoption, and Visa’s ability to monetize transaction growth through its network.

Visa has also built a strong track record of execution, with the company beating consensus earnings expectations in each of the last four quarters. Consistent outperformance can help maintain investor confidence, particularly in a market where high-quality earnings are being rewarded.

When analysts raise projections after repeated beats, the Visa stock price target conversation often shifts from “Can Visa deliver?” to “How much upside is left?”

Wall Street Ratings: Strong Buy Consensus

Visa remains highly regarded across the Street. Among the analysts covering the stock, the consensus rating is “Strong Buy,” supported by a large majority of bullish recommendations and a smaller group of hold ratings.

Notably, sentiment has become slightly more positive compared to the prior month, with more analysts shifting into the most bullish category. That’s an important signal, because rating upgrades often happen when analysts see strengthening fundamentals or improving visibility into growth.

In practical terms, broad “Strong Buy” support tends to reinforce confidence that the Visa stock price target range is achievable, assuming the macro backdrop stays stable.

RBC Sets a Bullish Visa Stock Price Target

One of the latest updates came from RBC Capital Markets, where analyst Daniel Perlin reiterated a “Buy” rating on Visa and set a $395 price target. That figure fits within a broader bullish range of targets across Wall Street.

Currently, the average analyst Visa stock price target sits above the stock’s current trading level, implying meaningful upside potential. Meanwhile, the most optimistic target on the Street suggests even greater upside, pointing to how much confidence some analysts have in Visa’s long-term earnings durability.

Is Visa Stock Worth Buying Now?

Visa’s recent underperformance versus the S&P 500 may look disappointing at first glance, but the fundamentals remain strong. The company continues to grow revenue at a solid pace, maintain healthy margins, and benefit from powerful secular tailwinds in digital commerce.

For investors, the key takeaway is that the Visa stock price target outlook remains bullish despite short-term stock weakness. If Visa sustains transaction growth, expands cross-border volume, and continues delivering earnings beats, it may have room to close the gap between current prices and Wall Street’s higher valuation expectations.