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Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q4

Visa Inc. stock research

Visa (V) Free Cash Flow — Quarter Ended Sep 30, 2025

Revenue increased from both the preceding quarter and the same quarter one year earlier, but operating cash flow declined, leading to lower free cash flow and a weakened cash conversion margin. The free cash flow margin contracted compared to both prior periods.

Free cash flow takeaway

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

Revenue increased from both the preceding quarter and the same quarter one year earlier, but operating cash flow declined, leading to lower free cash flow and a weakened cash conversion margin. The free cash flow margin contracted compared to both prior periods.

  • Revenue was higher than the preceding quarter, yet operating cash flow was lower, resulting in a lower free cash flow despite a slight reduction in capital expenditure. The free cash flow margin weakened, indicating a less efficient conversion of revenue into free cash flow.
  • Compared to the preceding quarter, free cash flow and margin decreased, while revenue rose. Versus the same quarter one year earlier, free cash flow and margin also declined, though revenue was higher and capital expenditure was higher.

FCF snapshot

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

TTM free cash flow

$21.6B

Trailing twelve-month free cash flow.

Quarter free cash flow

$5.8B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$6.2B

Cash generated by operations before capital spending.

CapEx

$389.0M

Capital spending and related asset purchases.

FCF margin

54.5%

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
2024-12-31$9.5B$5.4B$345.0M$5.1B53.1%
2025-03-31$9.6B$4.7B$327.0M$4.4B45.5%
2025-06-30$10.2B$6.7B$421.0M$6.3B62.0%
2025-09-30$10.7B$6.2B$389.0M$5.8B54.5%

Cash conversion quality

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

FCF / net income114.9%Shows whether accounting earnings convert into cash.
CapEx / revenue3.6%Lower capital intensity usually supports FCF margin.
Net cash-$8.0BCash 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 efficiency

Operating cash flow decreased from both comparison periods despite revenue growth, suggesting a shift in cash conversion dynamics. The filing discusses risks related to macroeconomic conditions, geopolitical trends, and sanctions that may affect the company's liquidity and capital resources.

The lower operating cash flow directly reduced free cash flow and margin, warranting attention to future cash generation.

What the cash flow says

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

Revenue was higher than the preceding quarter, yet operating cash flow was lower, resulting in a lower free cash flow despite a slight reduction in capital expenditure. The free cash flow margin weakened, indicating a less efficient conversion of revenue into free cash flow.

Compared to the preceding quarter, free cash flow and margin decreased, while revenue rose. Versus the same quarter one year earlier, free cash flow and margin also declined, though revenue was higher and capital expenditure was higher.

Monitor the trend in operating cash flow relative to revenue, as it drove the decline in free cash flow conversion.