Bernstein reiterates Outperform rating on Visa stock amid market underperformance

Published 13/10/2025, 15:06
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Investing.com - Bernstein maintained its Outperform rating and $380.00 price target on Visa (NYSE:V) stock, according to a research note published Monday. The target represents potential upside from the current price of $343.81, though InvestingPro analysis suggests the stock is currently fairly valued based on its comprehensive Fair Value model.

Bernstein analyst Harshita Rawat noted that Visa has underperformed the market by 7% year-to-date, while Mastercard has lagged by 13% during the same period. Despite this underperformance, Visa maintains strong fundamentals with a 97.8% gross profit margin and robust financial health metrics, according to InvestingPro data. The firm observed that multiples for both companies have decreased by mid-single to high-single digits since June when the stablecoin narrative gained momentum following the passage of the Genius Act in July 2025.

While the stablecoin narrative could explain some of the underperformance, Bernstein suggested other factors might be at play, including funding sources for AI investments, GICS reclassification, and rotation within financial stocks.

The firm indicated it plans to publish additional analysis on these market dynamics in collaboration with its quantitative research team in a future note.

Despite the market challenges, Bernstein expressed increased confidence in Visa’s business fundamentals, stating: "On a fundamental level, we feel better about V/MA as businesses now vs. 5 years ago."

In other recent news, Visa Inc . announced adjustments to the conversion rates for its class B-1 and B-2 common stock following a $500 million deposit into its U.S. litigation escrow account. This adjustment, effective immediately, reduced the conversion rate for class B-1 stock from 1.5609 to 1.5549 and for class B-2 stock from 1.5342 to 1.5223. Additionally, Visa’s stock rating was downgraded from Buy to Hold by Erste Group, which cited limited growth opportunities in developed markets as a factor. Meanwhile, Coinbase has been identified by KeyBanc Capital Markets as well-positioned to benefit from the growing adoption of stablecoins, thanks to its commercial agreement with Circle. Fold Holdings, Inc. announced a partnership with Stripe and Visa to launch a new Bitcoin rewards credit card, offering up to 3.5% back in bitcoin on purchases. This development is part of Fold’s strategy to integrate cryptocurrency rewards into everyday spending. These recent developments highlight ongoing strategic adjustments and market evaluations in the financial sector.

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