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Visa: festive spending drives strong first quarter

Visa has nudged up full-year guidance after a solid first quarter.
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Strong payment volumes in Visa’s first quarter drove 11% growth in net revenue to $9.5bn, ignoring currency impacts. The growth also reflected healthy spending during the holiday season and 16% growth in cross-border volumes.

Underlying net profit grew by 11% to $5.5bn, slightly ahead of market forecasts.

Improved conversion of profits into cash helped boost free cash flow by 51% to $5.1bn. Net debt came to $8.2bn.

Visa spent $5.1bn on share buybacks and dividends over the quarter.

Full year guidance has been upgraded slightly, with low double-digit growth now expected for net revenue. Earnings per share growth guidance in the low-teens.

The shares were up 1.8% in pre-market trading the following day.

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Visa key facts

All ratios are sourced from Refinitiv, based on previous day’s closing values. Please remember yields are variable and not a reliable indicator of future income. Keep in mind key figures shouldn’t be looked at on their own – it’s important to understand the big picture.

This article is original Hargreaves Lansdown content, published by Hargreaves Lansdown. It was correct as at the date of publication, and our views may have changed since then. Unless otherwise stated estimates, including prospective yields, are a consensus of analyst forecasts provided by Refinitiv. These estimates are not a reliable indicator of future performance. Yields are variable and not guaranteed. Investments rise and fall in value so investors could make a loss.

This article is not advice or a recommendation to buy, sell or hold any investment.No view is given on the present or future value or price of any investment, and investors should form their own view on any proposed investment.This article has not been prepared in accordance with legal requirements designed to promote the independence of investment research and is considered a marketing communication.Non - independent research is not subject to FCA rules prohibiting dealing ahead of research, however HL has put controls in place(including dealing restrictions, physical and information barriers) to manage potential conflicts of interest presented by such dealing.Please see our full non - independent research disclosure for more information.
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Written by
Derren Nathan
Derren Nathan
Head of Equity Research

Derren leads our Equity Research team with more than 15 years of experience in his field. Thriving in a passionate environment, Derren finds motivation in intellectual challenges and exploring diverse ideas within his writing.

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Article history
Published: 31st January 2025