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Mar 31, 2025
Quarter ended Mar 31, 2025 · FY2025 Q2

Visa Inc. stock research

Visa (V) Free Cash Flow — Quarter Ended Mar 31, 2025

Revenue increased from both the prior quarter and the same quarter last year, but the free cash flow margin weakened. Operating cash flow declined from the preceding quarter while capital expenditure decreased, leading to lower free cash flow compared to the prior quarter.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue increased from both the prior quarter and the same quarter last year, but the free cash flow margin weakened. Operating cash flow declined from the preceding quarter while capital expenditure decreased, leading to lower free cash flow compared to the prior quarter.

  • Revenue grew relative to both comparison periods, yet the free cash flow margin contracted. Operating cash flow was lower than the prior quarter but higher than the year-ago quarter, while capital expenditure decreased from the previous quarter and increased from the year-ago period. The resulting free cash flow was lower than the preceding quarter but slightly higher than the same quarter last year.
  • Compared to the immediately preceding quarter, free cash flow and its margin were lower. Versus the same quarter one year earlier, free cash flow was slightly higher but the margin was lower.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$20.5B

Trailing twelve-month free cash flow.

Quarter free cash flow

$4.4B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$4.7B

Cash generated by operations before capital spending.

CapEx

$327.0M

Capital spending and related asset purchases.

FCF margin

45.5%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-06-30$8.9B$5.1B$400.0M$4.7B53.2%
2024-09-30$9.6B$6.7B$309.0M$6.4B66.1%
2024-12-31$9.5B$5.4B$345.0M$5.1B53.1%
2025-03-31$9.6B$4.7B$327.0M$4.4B45.5%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income95.4%Shows whether accounting earnings convert into cash.
CapEx / revenue3.4%Lower capital intensity usually supports FCF margin.
Net cash-$9.0BCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Watch

Operating Cash Flow Decline

The decrease in operating cash flow from the prior quarter, even as revenue increased, was the strongest observable factor behind the lower free cash flow and margin. Capital expenditure also declined, but the operating cash flow drop had a larger impact.

This weakened cash conversion margin compared to both the prior quarter and the year-ago quarter, indicating a less efficient generation of free cash from revenue.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue grew relative to both comparison periods, yet the free cash flow margin contracted. Operating cash flow was lower than the prior quarter but higher than the year-ago quarter, while capital expenditure decreased from the previous quarter and increased from the year-ago period. The resulting free cash flow was lower than the preceding quarter but slightly higher than the same quarter last year.

Compared to the immediately preceding quarter, free cash flow and its margin were lower. Versus the same quarter one year earlier, free cash flow was slightly higher but the margin was lower.

Monitor the relationship between operating cash flow and revenue, as operating cash flow declined from the prior quarter despite higher revenue, suggesting a shift in cash conversion efficiency.