Accede al análisis completo con tu suscripción
Últimos 20 reportes · 10-K · 10-K/A · 10-Q · 8-K · Fuente: SEC EDGAR
Accede al análisis completo con tu suscripción
SEC CIK: 0001818874
We are a mission driven company designed to help our members achieve financial independence in order to realize their ambitions. To us, financial independence does not mean being wealthy, but rather represents the ability of our members to have the financial means to achieve their personal objectives at each stage of life, such as owning a home, having a family, or having a career of their choice — more simply stated, to have enough money to do what they want. We were founded in 2011 and have developed a suite of financial products that offers the speed, selection, content and convenience that only an integrated digital platform can provide. In order for us to achieve our mission, we have to help people get their money right, which means providing them with the ability to borrow better, save better, spend better, invest better and protect better. Everything we do today is geared toward helping our members “Get Your Money Right” and we strive to innovate and build ways for our members to achieve this goal.
Ver másConsenso de Analistas
Precio Objetivo — 12 meses
$12.00
Mínimo
-17.5%
$19.00
Mediana
+30.6%
$20.36
Promedio
+39.9%
$30.00
Máximo
+106.2%
| Métrica | LTM jun 26 | 2025 | 2024 | 2023 | 🔒Premium | 🔒Premium | 🔒Premium | 🔒Premium |
|---|---|---|---|---|---|---|---|---|
| ESTADO DE RESULTADOS | ||||||||
| Ingresos Totales | 4.306B | 3.613B | 2.675B | 2.123B | 🔒 | 🔒 | 🔒 | 🔒 |
| Ingreso Neto Intereses (NII) | 2.684B | 2.219B | 1.716B | 1.262B | 🔒 | 🔒 | 🔒 | 🔒 |
| Ingresos No Financieros | 1.622B | 1.394B | 958.378M | 861.049M | 🔒 | 🔒 | 🔒 | 🔒 |
| Gastos Operativos | 3.531B | 3.057B | 2.410B | 2.369B | 🔒 | 🔒 | 🔒 | 🔒 |
| PPNR (Ingr. Pre-Provisión) | 775.000M | 556.176M | 265.057M | -246.213M | 🔒 | 🔒 | 🔒 | 🔒 |
| Provisiones Crediticias | 40.000K | 698.000K | 3.685M | 773.000K | 🔒 | 🔒 | 🔒 | 🔒 |
| Stock-Based Compensation | 283.923M | 262.058M | 246.152M | 271.216M | 🔒 | 🔒 | 🔒 | 🔒 |
| Beneficio Antes de Impuestos | 737.744M | 525.857M | 233.345M | -301.158M | 🔒 | 🔒 | 🔒 | 🔒 |
| Impuestos | 101.480M | 44.537M | -265.320M | -416.000K | 🔒 | 🔒 | 🔒 | 🔒 |
| Beneficio Neto | 636.264M | 481.320M | 498.665M | -300.742M | 🔒 | 🔒 | 🔒 | 🔒 |
| Beneficio a Comunes | 636.264M | 481.320M | 479.136M | -341.167M | 🔒 | 🔒 | 🔒 | 🔒 |
| EPS Diluido | 0.49 | 0.39 | 0.39 | -0.36 | 🔒 | 🔒 | 🔒 | 🔒 |
| CARTERA DE CRÉDITO Y FONDEO | ||||||||
| Reservas Crediticias (ACL) | 56.459M | 50.934M | 46.684M | 54.695M | 🔒 | 🔒 | 🔒 | 🔒 |
| Receivables / Préstamos Netos | 1.276B | 1.517B | 1.246B | 836.159M | 🔒 | 🔒 | 🔒 | 🔒 |
| BALANCE | ||||||||
| Cash & Equivalentes | 3.126B | 4.929B | 2.538B | 3.085B | 🔒 | 🔒 | 🔒 | 🔒 |
| Inversiones (AFS) | 3.977B | 2.448B | 1.798B | 594.548M | 🔒 | 🔒 | 🔒 | 🔒 |
| FLUJO DE CAJA Y RETORNO AL ACCIONISTA | ||||||||
| Cash Flow Operativo (CFO) | -8.502B | -3.742B | -1.120B | -7.227B | 🔒 | 🔒 | 🔒 | 🔒 |
| Capex | 290.499M | 242.444M | 154.265M | 111.409M | 🔒 | 🔒 | 🔒 | 🔒 |
| RATIOS | ||||||||
| ROE | 5.7% | 5.7% | 8.2% | -6.5% | 🔒 | 🔒 | 🔒 | 🔒 |
| ROTCE (calc.) | 6.8% | 7.0% | 11.5% | -10.3% | 🔒 | 🔒 | 🔒 | 🔒 |
| ROA | ||||||||
Cifras en miles de millones (B) · Ratios en % · EPS de Visa: fuente externa a la SEC · Resto: SEC/EDGAR
| Préstamos Held-for-Sale (FV) |
| 29.737B |
| 22.863B |
| 17.685B |
| 15.397B |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Depósitos Totales | 45.543B | 37.505B | 25.978B | 18.621B | 🔒 | 🔒 | 🔒 | 🔒 |
| Activo Total |
| 60.948B |
| 50.660B |
| 36.251B |
| 30.075B |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Pasivo Total | 49.871B | 40.171B | 29.726B | 24.520B | 🔒 | 🔒 | 🔒 | 🔒 |
| Goodwill | 1.425B | 1.394B | 1.394B | 1.394B | 🔒 | 🔒 | 🔒 | 🔒 |
| Intangibles | 226.528M | 231.919M | 297.794M | 364.048M | 🔒 | 🔒 | 🔒 | 🔒 |
| OCI Acumulado (AOCI) | -11.981M | 10.979M | -8.365M | -1.209M | 🔒 | 🔒 | 🔒 | 🔒 |
| Deuda a Largo Plazo | 3.301B | 1.815B | 3.093B | 5.233B | 🔒 | 🔒 | 🔒 | 🔒 |
| Deuda Total | 3.301B | 1.815B | 3.093B | 5.233B | 🔒 | 🔒 | 🔒 | 🔒 |
| Patrimonio Neto | 11.076B | 10.489B | 6.525B | 5.235B | 🔒 | 🔒 | 🔒 | 🔒 |
| TBV (Tangible Común) | 9.425B | 8.864B | 4.834B | 3.477B | 🔒 | 🔒 | 🔒 | 🔒 |
| TBV por Acción | $7.30 | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 |
| Free Cash Flow (FCF) |
| -8.793B |
| -3.985B |
| -1.274B |
| -7.339B |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Recompras de acciones | — | — | — | 0.00 | 🔒 | 🔒 | 🔒 | 🔒 |
| Acciones en Circulación | 1.292B | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 |
| 1.0% |
| 1.1% |
| 1.5% |
| -1.2% |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Margen Neto | 14.8% | 13.3% | 18.6% | -14.2% | 🔒 | 🔒 | 🔒 | 🔒 |
| Ratio de Eficiencia | 82.0% | 84.6% | 90.1% | 111.6% | 🔒 | 🔒 | 🔒 | 🔒 |
| Comisiones / Ingresos | 37.7% | 38.6% | 35.8% | 40.6% | 🔒 | 🔒 | 🔒 | 🔒 |
| Préstamos / Depósitos | 68.1% | 65.0% | 72.9% | 87.2% | 🔒 | 🔒 | 🔒 | 🔒 |
| NIM (aprox.) | 4.4% | 4.4% | 4.7% | 4.2% | 🔒 | 🔒 | 🔒 | 🔒 |
| Deuda / Patrimonio | 0.30x | 0.17x | 0.47x | 1.00x | 🔒 | 🔒 | 🔒 | 🔒 |
Precio actual · USD
$14.55
P/E LTM
29.69
ROE
5.7%
ROTCE (calc.)
6.8%
ROA
1.0%
Margen Neto
14.8%
Ratio de Eficiencia
82.0%
Comisiones / Ingresos
37.7%
Préstamos / Depósitos
68.1%