Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-12-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-12-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-12-31 | 2010-09-30 | 2010-06-30 | 2010-03-31 | 2009-12-31 | 2009-09-30 | 2009-06-30 | 2009-03-31 | 2008-12-31 | 2008-09-30 | 2008-06-30 | 2008-03-31 | 2007-12-31 | 2007-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
net revenue | 10,724,000,000 | 10,172,000,000 | 9,594,000,000 | 9,510,000,000 | 9,617,000,000 | 8,900,000,000 | 8,775,000,000 | 8,634,000,000 | 8,609,000,000 | 8,123,000,000 | 7,985,000,000 | 7,936,000,000 | 7,787,000,000 | 7,275,000,000 | 7,189,000,000 | 7,059,000,000 | 6,559,000,000 | 6,130,000,000 | 5,729,000,000 | 5,687,000,000 | 5,101,000,000 | 4,837,000,000 | 5,854,000,000 | 6,054,000,000 | 6,137,000,000 | 5,840,000,000 | 5,494,000,000 | 5,506,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
yoy | 11.51% | 14.29% | 9.33% | 10.15% | 11.71% | 9.57% | 9.89% | 8.80% | 10.56% | 11.66% | 11.07% | 12.42% | 18.72% | 18.68% | 25.48% | 24.13% | 28.58% | 26.73% | -2.14% | -6.06% | -16.88% | -17.17% | 6.55% | 9.95% | |||||||||||||||||||||||||||||||||||||||||||||||||
qoq | 5.43% | 6.02% | 0.88% | -1.11% | 8.06% | 1.42% | 1.63% | 0.29% | 5.98% | 1.73% | 0.62% | 1.91% | 7.04% | 1.20% | 1.84% | 7.62% | 7.00% | 7.00% | 0.74% | 11.49% | 5.46% | -17.37% | -3.30% | -1.35% | 5.09% | 6.30% | -0.22% | ||||||||||||||||||||||||||||||||||||||||||||||
operating expenses | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
personnel | 1,742,000,000 | 1,749,000,000 | 1,657,000,000 | 1,813,000,000 | 1,609,000,000 | 1,573,000,000 | 1,603,000,000 | 1,479,000,000 | 1,498,000,000 | 1,481,000,000 | 1,515,000,000 | 1,337,000,000 | 1,356,000,000 | 1,283,000,000 | 1,226,000,000 | 1,125,000,000 | 1,047,000,000 | 1,098,000,000 | 1,114,000,000 | 981,000,000 | 922,000,000 | 941,000,000 | 940,000,000 | 982,000,000 | 871,000,000 | 872,000,000 | 894,000,000 | 807,000,000 | 815,000,000 | 852,000,000 | 824,000,000 | 679,000,000 | 655,000,000 | 698,000,000 | 704,000,000 | 571,000,000 | 690,000,000 | 509,000,000 | 528,000,000 | 499,000,000 | 521,000,000 | 566,000,000 | 483,000,000 | 509,000,000 | 496,000,000 | 463,000,000 | 446,000,000 | 470,000,000 | 499,000,000 | 493,000,000 | 486,000,000 | 454,000,000 | 471,000,000 | 435,000,000 | 431,000,000 | 389,000,000 | 388,000,000 | 363,000,000 | 351,000,000 | 357,000,000 | 353,000,000 | 285,000,000 | 310,000,000 | 274,000,000 | 334,000,000 | 262,000,000 | 272,000,000 | 275,000,000 | 317,000,000 | 310,000,000 | 289,000,000 | 283,000,000 | |
marketing | 576,000,000 | 421,000,000 | 381,000,000 | 306,000,000 | 551,000,000 | 378,000,000 | 338,000,000 | 293,000,000 | 403,000,000 | 297,000,000 | 309,000,000 | 332,000,000 | 429,000,000 | 313,000,000 | 314,000,000 | 280,000,000 | 457,000,000 | 268,000,000 | 206,000,000 | 205,000,000 | 288,000,000 | 174,000,000 | 235,000,000 | 274,000,000 | 306,000,000 | 282,000,000 | 241,000,000 | 276,000,000 | 264,000,000 | 240,000,000 | 261,000,000 | 223,000,000 | 290,000,000 | 221,000,000 | 193,000,000 | 218,000,000 | 300,000,000 | 189,000,000 | 186,000,000 | 194,000,000 | 253,000,000 | 224,000,000 | 190,000,000 | 205,000,000 | 241,000,000 | 228,000,000 | 245,000,000 | 186,000,000 | 236,000,000 | 252,000,000 | 195,000,000 | 193,000,000 | 271,000,000 | 242,000,000 | 170,000,000 | 190,000,000 | 239,000,000 | 251,000,000 | 183,000,000 | 197,000,000 | |||||||||||||
network and processing | 239,000,000 | 224,000,000 | 224,000,000 | 207,000,000 | 208,000,000 | 200,000,000 | 189,000,000 | 181,000,000 | 197,000,000 | 182,000,000 | 179,000,000 | 178,000,000 | 185,000,000 | 178,000,000 | 190,000,000 | 190,000,000 | 192,000,000 | 186,000,000 | 179,000,000 | 173,000,000 | 191,000,000 | 172,000,000 | 183,000,000 | 181,000,000 | 193,000,000 | 184,000,000 | 171,000,000 | 173,000,000 | 188,000,000 | 169,000,000 | 169,000,000 | 160,000,000 | 167,000,000 | 158,000,000 | 150,000,000 | 145,000,000 | 161,000,000 | 123,000,000 | 126,000,000 | 128,000,000 | 134,000,000 | 117,000,000 | 109,000,000 | 114,000,000 | 128,000,000 | 127,000,000 | 120,000,000 | 132,000,000 | 122,000,000 | 117,000,000 | 119,000,000 | 110,000,000 | 111,000,000 | 102,000,000 | 103,000,000 | 98,000,000 | 106,000,000 | 91,000,000 | 80,000,000 | 80,000,000 | |||||||||||||
professional fees | 256,000,000 | 187,000,000 | 173,000,000 | 143,000,000 | 192,000,000 | 152,000,000 | 160,000,000 | 131,000,000 | 173,000,000 | 133,000,000 | 130,000,000 | 109,000,000 | 163,000,000 | 117,000,000 | 125,000,000 | 100,000,000 | 130,000,000 | 108,000,000 | 82,000,000 | 83,000,000 | 104,000,000 | 95,000,000 | 103,000,000 | 106,000,000 | 149,000,000 | 113,000,000 | 101,000,000 | 91,000,000 | 134,000,000 | 112,000,000 | 108,000,000 | 92,000,000 | 144,000,000 | 102,000,000 | 83,000,000 | 80,000,000 | 113,000,000 | 138,000,000 | 66,000,000 | 72,000,000 | 107,000,000 | 82,000,000 | 77,000,000 | 70,000,000 | 94,000,000 | 82,000,000 | 77,000,000 | 75,000,000 | 130,000,000 | 103,000,000 | 91,000,000 | 88,000,000 | 134,000,000 | 99,000,000 | 82,000,000 | 70,000,000 | 115,000,000 | 84,000,000 | 77,000,000 | 61,000,000 | |||||||||||||
depreciation and amortization | 316,000,000 | 317,000,000 | 305,000,000 | 282,000,000 | 274,000,000 | 264,000,000 | 249,000,000 | 247,000,000 | 247,000,000 | 235,000,000 | 234,000,000 | 227,000,000 | 226,000,000 | 230,000,000 | 207,000,000 | 198,000,000 | 202,000,000 | 204,000,000 | 201,000,000 | 197,000,000 | 196,000,000 | 197,000,000 | 192,000,000 | 182,000,000 | 172,000,000 | 165,000,000 | 160,000,000 | 159,000,000 | 163,000,000 | 152,000,000 | 153,000,000 | 145,000,000 | 147,000,000 | 132,000,000 | 131,000,000 | 146,000,000 | 141,000,000 | 120,000,000 | 121,000,000 | 120,000,000 | 119,000,000 | 130,000,000 | 125,000,000 | 120,000,000 | 112,000,000 | 109,000,000 | 107,000,000 | 107,000,000 | 106,000,000 | 101,000,000 | 98,000,000 | 92,000,000 | 89,000,000 | 84,000,000 | 80,000,000 | 80,000,000 | 77,000,000 | 74,000,000 | 70,000,000 | 67,000,000 | 78,000,000 | 63,000,000 | 62,000,000 | 62,000,000 | 61,000,000 | 57,000,000 | 56,000,000 | 52,000,000 | 59,000,000 | 57,000,000 | 59,000,000 | ||
general and administrative | 544,000,000 | 482,000,000 | 419,000,000 | 481,000,000 | 424,000,000 | 382,000,000 | 452,000,000 | 340,000,000 | 412,000,000 | 314,000,000 | 282,000,000 | 322,000,000 | 338,000,000 | 289,000,000 | 325,000,000 | 242,000,000 | 215,000,000 | 204,000,000 | 363,000,000 | 203,000,000 | 256,000,000 | 258,000,000 | 269,000,000 | 313,000,000 | 341,000,000 | 315,000,000 | 264,000,000 | 276,000,000 | 457,000,000 | 230,000,000 | 222,000,000 | 236,000,000 | 238,000,000 | 230,000,000 | 406,000,000 | 186,000,000 | 230,000,000 | 246,000,000 | 164,000,000 | 156,000,000 | 143,000,000 | 137,000,000 | 141,000,000 | 126,000,000 | 153,000,000 | 126,000,000 | 120,000,000 | 108,000,000 | 129,000,000 | 108,000,000 | 108,000,000 | 106,000,000 | 131,000,000 | 112,000,000 | 106,000,000 | 102,000,000 | 95,000,000 | 114,000,000 | 95,000,000 | 110,000,000 | |||||||||||||
litigation provision | 903,000,000 | 615,000,000 | 1,000,000,000 | 44,000,000 | 10,000,000 | 13,000,000 | 430,000,000 | 9,000,000 | 129,000,000 | 457,000,000 | 341,000,000 | 3,000,000 | 717,000,000 | 148,000,000 | 1,000,000 | -2,000,000 | 3,000,000 | 1,000,000 | 2,000,000 | 1,000,000 | 8,000,000 | 370,000,000 | 1,000,000 | 22,000,000 | 7,000,000 | 7,000,000 | 600,000,000 | 2,000,000 | 2,000,000 | 15,000,000 | 1,000,000 | 1,000,000 | 11,000,000 | 3,000,000 | -1,000,000 | 1,000,000 | 3,000,000 | 2,000,000 | 4,098,000,000 | 1,000,000 | 6,000,000 | -4,000,000 | 2,000,000 | -43,000,000 | 1,000,000 | 1,000,000 | 1,128,000,000 | 50,000,000 | 292,000,000 | ||||||||||||||||||||||||
total operating expenses | 4,576,000,000 | 3,995,000,000 | 4,159,000,000 | 3,276,000,000 | 3,268,000,000 | 2,962,000,000 | 3,421,000,000 | 2,680,000,000 | 3,059,000,000 | 3,099,000,000 | 2,649,000,000 | 2,846,000,000 | 2,700,000,000 | 3,127,000,000 | 2,387,000,000 | 2,283,000,000 | 2,244,000,000 | 2,066,000,000 | 2,148,000,000 | 1,843,000,000 | 1,959,000,000 | 1,838,000,000 | 1,930,000,000 | 2,038,000,000 | 2,402,000,000 | 1,932,000,000 | 1,853,000,000 | 1,789,000,000 | 2,028,000,000 | 2,355,000,000 | 1,737,000,000 | 1,535,000,000 | 1,643,000,000 | 1,541,000,000 | 1,669,000,000 | 1,361,000,000 | 1,636,000,000 | 3,202,000,000 | 1,192,000,000 | 1,169,000,000 | 1,288,000,000 | 1,256,000,000 | 1,128,000,000 | 1,144,000,000 | 1,677,000,000 | 1,135,000,000 | 1,115,000,000 | 1,078,000,000 | 1,222,000,000 | 1,173,000,000 | 1,098,000,000 | 1,046,000,000 | 1,209,000,000 | 5,172,000,000 | 972,000,000 | 929,000,000 | 1,021,000,000 | 977,000,000 | 862,000,000 | 872,000,000 | 1,004,000,000 | 892,000,000 | 837,000,000 | 743,000,000 | 1,010,000,000 | 824,000,000 | 766,000,000 | 773,000,000 | 2,152,000,000 | 965,000,000 | 1,104,000,000 | 802,000,000 | |
operating income | 6,148,000,000 | 6,177,000,000 | 5,435,000,000 | 6,234,000,000 | 6,349,000,000 | 5,938,000,000 | 5,354,000,000 | 5,954,000,000 | 5,550,000,000 | 5,024,000,000 | 5,336,000,000 | 5,090,000,000 | 5,087,000,000 | 4,148,000,000 | 4,802,000,000 | 4,776,000,000 | 4,315,000,000 | 4,064,000,000 | 3,581,000,000 | 3,844,000,000 | 3,142,000,000 | 2,999,000,000 | 3,924,000,000 | 4,016,000,000 | 3,735,000,000 | 3,908,000,000 | 3,641,000,000 | 3,717,000,000 | 3,406,000,000 | 2,885,000,000 | 3,336,000,000 | 3,327,000,000 | 3,212,000,000 | 3,024,000,000 | 2,808,000,000 | 3,100,000,000 | 2,625,000,000 | 428,000,000 | 2,434,000,000 | 2,396,000,000 | 2,283,000,000 | 2,262,000,000 | 2,281,000,000 | 2,238,000,000 | 1,552,000,000 | 2,020,000,000 | 2,048,000,000 | 2,077,000,000 | 1,751,000,000 | 1,828,000,000 | 1,860,000,000 | 1,800,000,000 | 1,522,000,000 | -2,607,000,000 | 1,606,000,000 | 1,618,000,000 | 1,362,000,000 | 1,345,000,000 | 1,383,000,000 | 1,366,000,000 | 1,113,000,000 | 1,137,000,000 | 1,122,000,000 | 1,217,000,000 | 869,000,000 | 822,000,000 | 881,000,000 | 966,000,000 | -443,000,000 | 648,000,000 | 349,000,000 | 686,000,000 | |
yoy | -3.17% | 4.02% | 1.51% | 4.70% | 14.40% | 18.19% | 0.34% | 16.97% | 9.10% | 21.12% | 11.12% | 6.57% | 17.89% | 2.07% | 34.10% | 24.25% | 37.33% | 35.51% | -8.74% | -4.28% | -15.88% | -23.26% | 7.77% | 8.04% | 9.66% | 35.46% | 9.14% | 11.72% | 6.04% | -4.60% | 18.80% | 7.32% | 22.36% | 606.54% | 15.37% | 29.38% | 14.98% | -81.08% | 6.71% | 7.06% | 47.10% | 11.98% | 11.38% | 7.75% | -11.36% | 10.50% | 10.11% | 15.39% | 15.05% | -170.12% | 15.82% | 11.25% | 11.75% | -293.83% | 16.12% | 18.45% | 22.37% | 18.29% | 23.26% | 12.24% | 28.08% | 38.32% | 27.36% | 25.98% | -296.16% | 26.85% | 152.44% | 40.82% | |||||
qoq | -0.47% | 13.65% | -12.82% | -1.81% | 6.92% | 10.91% | -10.08% | 7.28% | 10.47% | -5.85% | 4.83% | 0.06% | 22.64% | -13.62% | 0.54% | 10.68% | 6.18% | 13.49% | -6.84% | 22.34% | 4.77% | -23.57% | -2.29% | 7.52% | -4.43% | 7.33% | -2.04% | 9.13% | 18.06% | -13.52% | 0.27% | 3.58% | 6.22% | 7.69% | -9.42% | 18.10% | 513.32% | -82.42% | 1.59% | 4.95% | 0.93% | -0.83% | 1.92% | 44.20% | -23.17% | -1.37% | -1.40% | 18.62% | -4.21% | -1.72% | 3.33% | 18.27% | -158.38% | -262.33% | -0.74% | 18.80% | 1.26% | -2.75% | 1.24% | 22.73% | -2.11% | 1.34% | -7.81% | 40.05% | 5.72% | -6.70% | -8.80% | -318.06% | -168.36% | 85.67% | -49.13% | ||
operating margin % | 57.33% | 60.73% | 56.65% | 65.55% | 66.02% | 66.72% | 61.01% | 68.96% | 64.47% | 61.85% | 66.83% | 64.14% | 65.33% | 57.02% | 66.80% | 67.66% | 65.79% | 66.30% | 62.51% | 67.59% | 61.60% | 62.00% | 67.03% | 66.34% | 60.86% | 66.92% | 66.27% | 67.51% | |||||||||||||||||||||||||||||||||||||||||||||
non-operating income | -84,250,000 | -110,000,000 | -106,000,000 | -121,000,000 | -94,000,000 | 1,000,000 | 24,000,000 | -2,000,000 | 10,000,000 | 13,000,000 | 6,000,000 | 15,000,000 | 5,000,000 | -3,000,000 | 1,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
interest expense | -210,000,000 | -39,000,000 | -158,000,000 | -182,000,000 | -176,000,000 | -196,000,000 | -82,000,000 | -187,000,000 | -183,000,000 | -182,000,000 | -142,000,000 | -137,000,000 | -159,000,000 | -111,000,000 | -134,000,000 | -134,000,000 | -125,000,000 | -131,000,000 | -121,000,000 | -136,000,000 | -145,000,000 | -142,000,000 | -118,000,000 | -111,000,000 | -120,000,000 | -128,000,000 | -140,000,000 | -145,000,000 | -150,000,000 | -155,000,000 | -153,000,000 | -154,000,000 | -148,000,000 | -140,000,000 | -135,000,000 | -140,000,000 | -135,000,000 | -131,000,000 | -132,000,000 | -29,000,000 | -7,000,000 | -11,000,000 | -7,000,000 | -10,000,000 | -13,000,000 | -11,000,000 | -12,000,000 | -15,000,000 | -13,000,000 | -28,000,000 | -16,000,000 | -25,000,000 | -30,000,000 | -30,000,000 | -30,000,000 | -27,000,000 | -30,000,000 | -41,000,000 | -45,000,000 | ||||||||||||||
investment income and other | 285,000,000 | 195,000,000 | 161,000,000 | 148,000,000 | 199,000,000 | 247,000,000 | 241,000,000 | 275,000,000 | 269,000,000 | 304,000,000 | 84,000,000 | 24,000,000 | -60,000,000 | -208,000,000 | -126,000,000 | 255,000,000 | 108,000,000 | 456,000,000 | 168,000,000 | 40,000,000 | 58,000,000 | 75,000,000 | 23,000,000 | 69,000,000 | 96,000,000 | 86,000,000 | 176,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total non-operating income | 75,000,000 | 156,000,000 | 3,000,000 | -34,000,000 | 23,000,000 | 51,000,000 | 159,000,000 | 88,000,000 | 86,000,000 | 122,000,000 | -58,000,000 | -113,000,000 | -219,000,000 | -319,000,000 | -260,000,000 | 121,000,000 | -17,000,000 | 325,000,000 | 47,000,000 | -96,000,000 | -87,000,000 | -67,000,000 | -95,000,000 | -42,000,000 | -24,000,000 | -42,000,000 | 36,000,000 | 61,000,000 | -6,000,000 | 7,000,000 | 243,000,000 | ||||||||||||||||||||||||||||||||||||||||||
income before income taxes | 6,223,000,000 | 6,333,000,000 | 5,438,000,000 | 6,200,000,000 | 6,372,000,000 | 5,989,000,000 | 5,513,000,000 | 6,042,000,000 | 5,636,000,000 | 5,146,000,000 | 5,278,000,000 | 4,977,000,000 | 4,868,000,000 | 3,829,000,000 | 4,542,000,000 | 4,897,000,000 | 4,298,000,000 | 4,389,000,000 | 3,628,000,000 | 3,748,000,000 | 3,055,000,000 | 2,932,000,000 | 3,829,000,000 | 3,974,000,000 | 3,711,000,000 | 3,866,000,000 | 3,677,000,000 | 3,630,000,000 | 3,538,000,000 | 2,812,000,000 | 3,217,000,000 | 3,239,000,000 | 3,099,000,000 | 2,914,000,000 | 2,702,000,000 | 2,979,000,000 | 2,510,000,000 | 422,000,000 | 2,441,000,000 | 2,639,000,000 | 2,283,000,000 | 2,168,000,000 | 2,282,000,000 | 2,262,000,000 | 1,550,000,000 | 2,030,000,000 | 2,061,000,000 | 2,083,000,000 | 1,766,000,000 | 1,833,000,000 | 1,857,000,000 | 1,801,000,000 | 1,588,000,000 | -2,607,000,000 | 1,609,000,000 | 1,617,000,000 | 1,354,000,000 | 1,543,000,000 | 1,377,000,000 | 1,382,000,000 | 1,195,000,000 | 1,122,000,000 | 1,113,000,000 | 1,208,000,000 | |||||||||
income tax provision | 1,133,000,000 | 1,061,000,000 | 861,000,000 | 1,081,000,000 | 1,054,000,000 | 1,117,000,000 | 850,000,000 | 1,152,000,000 | 955,000,000 | 990,000,000 | 1,021,000,000 | 798,000,000 | 928,000,000 | 418,000,000 | 895,000,000 | 938,000,000 | 714,000,000 | 1,814,000,000 | 602,000,000 | 622,000,000 | 918,000,000 | 559,000,000 | 745,000,000 | 702,000,000 | 686,000,000 | 765,000,000 | 700,000,000 | 653,000,000 | 693,000,000 | 483,000,000 | 612,000,000 | 717,000,000 | 959,000,000 | 855,000,000 | 2,272,000,000 | 909,000,000 | 579,000,000 | 10,000,000 | 734,000,000 | 698,000,000 | 771,000,000 | 471,000,000 | 732,000,000 | 693,000,000 | 477,000,000 | 670,000,000 | 463,000,000 | 676,000,000 | 587,000,000 | 508,000,000 | 317,000,000 | 590,000,000 | 476,000,000 | 539,000,000 | 497,000,000 | 498,000,000 | |||||||||||||||||
net income | 5,090,000,000 | 5,272,000,000 | 4,577,000,000 | 5,119,000,000 | 5,318,000,000 | 4,872,000,000 | 4,663,000,000 | 4,890,000,000 | 4,681,000,000 | 4,156,000,000 | 4,257,000,000 | 4,179,000,000 | 3,940,000,000 | 3,411,000,000 | 3,647,000,000 | 3,959,000,000 | 3,584,000,000 | 2,575,000,000 | 3,026,000,000 | 3,126,000,000 | 2,137,000,000 | 2,373,000,000 | 3,084,000,000 | 3,272,000,000 | 3,025,000,000 | 3,101,000,000 | 2,977,000,000 | 2,977,000,000 | 2,845,000,000 | 2,329,000,000 | 2,605,000,000 | 2,522,000,000 | 2,140,000,000 | 2,059,000,000 | 430,000,000 | 2,070,000,000 | 1,931,000,000 | 412,000,000 | 1,707,000,000 | 1,941,000,000 | 1,512,000,000 | 1,697,000,000 | 1,550,000,000 | 1,569,000,000 | 1,091,250,000 | 1,360,000,000 | 1,598,000,000 | 1,407,000,000 | 514,000,000 | 729,000,000 | 536,000,000 | 574,000,000 | -356,000,000 | 422,000,000 | 314,000,000 | 424,000,000 | |||||||||||||||||
yoy | -4.29% | 8.21% | -1.84% | 4.68% | 13.61% | 17.23% | 9.54% | 17.01% | 18.81% | 21.84% | 16.73% | 5.56% | 9.93% | 32.47% | 20.52% | 26.65% | 67.71% | 8.51% | -1.88% | -4.46% | -29.36% | -23.48% | 3.59% | 9.91% | 6.33% | 33.15% | 14.28% | 18.04% | 32.94% | 13.11% | 505.81% | 21.84% | 10.82% | 399.76% | -74.81% | 6.65% | 27.71% | -75.72% | 10.13% | 23.71% | 38.56% | 24.78% | -3.00% | 11.51% | -244.38% | 72.75% | 70.70% | 35.38% | |||||||||||||||||||||||||
qoq | -3.45% | 15.18% | -10.59% | -3.74% | 9.15% | 4.48% | -4.64% | 4.46% | 12.63% | -2.37% | 1.87% | 6.07% | 15.51% | -6.47% | -7.88% | 10.46% | 39.18% | -14.90% | -3.20% | 46.28% | -9.95% | -23.05% | -5.75% | 8.17% | -2.45% | 4.17% | 0.00% | 4.64% | 22.16% | -10.60% | 3.29% | 17.85% | 3.93% | 378.84% | -79.23% | 7.20% | 368.69% | -75.86% | -12.06% | 28.37% | -10.90% | 9.48% | -1.21% | 43.78% | -19.76% | -14.89% | 13.57% | -29.49% | 36.01% | -6.62% | -261.24% | -184.36% | 34.39% | -25.94% | |||||||||||||||||||
net income margin % | 47.46% | 51.83% | 47.71% | 53.83% | 55.30% | 54.74% | 53.14% | 56.64% | 54.37% | 51.16% | 53.31% | 52.66% | 50.60% | 46.89% | 50.73% | 56.08% | 54.64% | 42.01% | 52.82% | 54.97% | 41.89% | 49.06% | 52.68% | 54.05% | 49.29% | 53.10% | 54.19% | 54.07% | |||||||||||||||||||||||||||||||||||||||||||||
basic earnings per share | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class a common stock | 2.62 | 2.69 | 2.32 | 2.58 | 2.65 | 2.4 | 2.29 | 2.39 | 2.26 | 2 | 2.04 | 1.99 | 1.86 | 1.6 | 1.7 | 1.84 | 1.64 | 1.18 | 1.38 | 1.42 | 0.98 | 1.07 | 1.39 | 1.46 | 1.34 | 1.37 | 1.31 | 1.3 | 1.23 | 1 | 1.12 | 1.07 | 0.9 | 0.87 | 0.69 | 0.97 | 0.71 | 0.74 | -0.48 | 0.51 | 0.39 | ||||||||||||||||||||||||||||||||
class b-1 common stock | 4.09 | 4.21 | 3.63 | 4.04 | 4.21 | 3.82 | 3.63 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class b-2 common stock | 4.02 | 4.13 | 3.58 | 3.99 | 4.2 | 3.82 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class c common stock | 10.48 | 10.78 | 9.29 | 10.33 | 10.62 | 9.62 | 9.16 | 9.58 | 9.07 | 8 | 8.15 | 7.96 | 7.45 | 6.42 | 6.82 | 7.35 | 6.59 | 4.72 | 5.52 | 5.69 | 3.88 | 4.29 | 5.54 | 5.85 | 5.38 | 5.48 | 5.23 | 5.2 | 4.94 | 4.02 | 4.46 | 4.3 | 3.61 | 3.46 | 0.69 | 0.97 | 0.71 | 0.74 | |||||||||||||||||||||||||||||||||||
basic weighted-average shares outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
diluted earnings per share | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
diluted weighted-average shares outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class b common stock | 3.8 | 3.61 | 3.2 | 3.26 | 3.19 | 3 | 2.59 | 2.76 | 2.98 | 2.67 | 1.92 | 2.24 | 2.31 | 1.57 | 1.74 | 2.25 | 2.37 | 2.19 | 2.23 | 2.13 | 2.12 | 2.01 | 1.66 | 1.84 | 1.77 | 1.49 | 1.43 | 0.4 | 0.61 | 0.45 | 0.52 | -0.48 | 0.36 | 0.37 | |||||||||||||||||||||||||||||||||||||||
other | 58,000,000 | 282,000,000 | 82,000,000 | 34,000,000 | 66,000,000 | 35,000,000 | 30,000,000 | 29,000,000 | 19,000,000 | 20,000,000 | 125,000,000 | 139,000,000 | 272,000,000 | 4,000,000 | -1,000,000 | 1,000,000 | -1,000,000 | 4,000,000 | 121,000,000 | -3,000,000 | 2,000,000 | -2,000,000 | 2,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | -1,000,000 | -1,000,000 | 28,000,000 | ||||||||||||||||||||||||||||||||||||||||||||
total non-operating expense | -87,000,000 | -70,000,000 | -73,000,000 | -119,000,000 | -88,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
operating revenues | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
service revenues | 2,323,000,000 | 2,196,000,000 | 2,253,000,000 | 2,146,000,000 | 2,116,000,000 | 1,948,000,000 | 1,993,000,000 | 1,918,000,000 | 1,768,000,000 | 1,635,000,000 | 1,699,000,000 | 1,645,000,000 | 1,637,000,000 | 1,550,000,000 | 1,577,000,000 | 1,538,000,000 | 1,499,000,000 | 1,417,000,000 | 1,462,000,000 | 1,419,000,000 | 1,385,000,000 | 1,298,000,000 | 1,369,000,000 | 1,300,000,000 | 1,264,000,000 | 1,216,000,000 | 1,241,000,000 | 1,151,000,000 | 1,105,000,000 | 1,055,000,000 | 1,093,000,000 | 1,008,000,000 | 912,000,000 | 873,000,000 | 885,000,000 | 827,000,000 | 808,000,000 | 769,000,000 | 804,000,000 | 793,000,000 | |||||||||||||||||||||||||||||||||
data processing revenues | 2,394,000,000 | 2,359,000,000 | 2,127,000,000 | 2,147,000,000 | 2,067,000,000 | 1,984,000,000 | 1,843,000,000 | 1,892,000,000 | 1,779,000,000 | 1,541,000,000 | 1,473,000,000 | 1,479,000,000 | 1,429,000,000 | 1,400,000,000 | 1,340,000,000 | 1,383,000,000 | 1,348,000,000 | 1,321,000,000 | 1,234,000,000 | 1,264,000,000 | 1,186,000,000 | 1,191,000,000 | 1,150,000,000 | 1,115,000,000 | 1,062,000,000 | 1,040,000,000 | 922,000,000 | 951,000,000 | 925,000,000 | 886,000,000 | 823,000,000 | 844,000,000 | 840,000,000 | 792,000,000 | 728,000,000 | 765,000,000 | 727,000,000 | 605,000,000 | 544,000,000 | 554,000,000 | |||||||||||||||||||||||||||||||||
international transaction revenues | 1,963,000,000 | 1,830,000,000 | 1,752,000,000 | 1,666,000,000 | 1,792,000,000 | 1,571,000,000 | 1,469,000,000 | 1,489,000,000 | 1,489,000,000 | 1,084,000,000 | 1,045,000,000 | 1,031,000,000 | 1,091,000,000 | 1,039,000,000 | 964,000,000 | 970,000,000 | 938,000,000 | 860,000,000 | 871,000,000 | 891,000,000 | 899,000,000 | 854,000,000 | 831,000,000 | 805,000,000 | 796,000,000 | 748,000,000 | 733,000,000 | 748,000,000 | 758,000,000 | 662,000,000 | 624,000,000 | 630,000,000 | 619,000,000 | 574,000,000 | 545,000,000 | 552,000,000 | 507,000,000 | 458,000,000 | 446,000,000 | 505,000,000 | |||||||||||||||||||||||||||||||||
other revenues | 256,000,000 | 229,000,000 | 230,000,000 | 229,000,000 | 226,000,000 | 209,000,000 | 203,000,000 | 203,000,000 | 218,000,000 | 209,000,000 | 198,000,000 | 198,000,000 | 216,000,000 | 199,000,000 | 204,000,000 | 204,000,000 | 212,000,000 | 195,000,000 | 183,000,000 | 180,000,000 | 183,000,000 | 179,000,000 | 175,000,000 | 179,000,000 | 172,000,000 | 175,000,000 | 179,000,000 | 178,000,000 | 171,000,000 | 167,000,000 | 156,000,000 | 161,000,000 | 167,000,000 | 183,000,000 | 173,000,000 | 190,000,000 | 163,000,000 | 158,000,000 | 148,000,000 | 156,000,000 | 160,000,000 | 150,000,000 | 126,000,000 | 133,000,000 | |||||||||||||||||||||||||||||
client incentives | -1,502,000,000 | -1,374,000,000 | -1,289,000,000 | -1,326,000,000 | -1,346,000,000 | -1,147,000,000 | -1,031,000,000 | -1,041,000,000 | -993,000,000 | -839,000,000 | -789,000,000 | -788,000,000 | -802,000,000 | -670,000,000 | -676,000,000 | -713,000,000 | -768,000,000 | -638,000,000 | -587,000,000 | -599,000,000 | -680,000,000 | -521,000,000 | -567,000,000 | -553,000,000 | -563,000,000 | -614,000,000 | -497,000,000 | -481,000,000 | -576,000,000 | -448,000,000 | -451,000,000 | -405,000,000 | |||||||||||||||||||||||||||||||||||||||||
net operating revenues | 5,434,000,000 | 5,240,000,000 | 5,073,000,000 | 4,862,000,000 | 4,855,000,000 | 4,565,000,000 | 4,477,000,000 | 4,461,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
visa europe framework agreement loss | 1,877,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total operating revenues | 2,705,250,000 | 3,630,000,000 | 3,626,000,000 | 3,565,000,000 | 3,571,000,000 | 3,518,000,000 | 3,409,000,000 | 3,382,000,000 | 3,229,000,000 | 3,155,000,000 | 3,163,000,000 | 3,155,000,000 | 2,973,000,000 | 3,001,000,000 | 2,958,000,000 | 2,846,000,000 | 2,731,000,000 | 2,565,000,000 | 2,578,000,000 | 2,547,000,000 | 2,383,000,000 | 2,322,000,000 | 2,245,000,000 | 2,238,000,000 | 2,117,000,000 | 2,029,000,000 | 1,959,000,000 | 1,960,000,000 | 1,879,000,000 | 1,646,000,000 | 1,647,000,000 | 1,739,000,000 | 1,709,000,000 | 1,613,000,000 | 1,453,000,000 | 1,488,000,000 | |||||||||||||||||||||||||||||||||||||
income tax benefit | 425,750,000 | 608,000,000 | 34,750,000 | -768,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net income including non-controlling interest | 1,192,000,000 | 1,225,000,000 | 1,270,000,000 | 1,293,000,000 | 1,662,000,000 | -1,839,000,000 | 1,292,000,000 | 1,027,000,000 | 878,000,000 | 1,004,000,000 | 880,000,000 | 773,000,000 | 716,000,000 | 712,000,000 | 763,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
loss attributable to non-controlling interest | 2,000,000 | 2,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net income attributable to visa inc. | 1,192,000,000 | 1,225,000,000 | 1,270,000,000 | 1,293,000,000 | 1,662,000,000 | -1,839,000,000 | 1,292,000,000 | 1,029,000,000 | 880,000,000 | 1,005,000,000 | 881,000,000 | 884,000,000 | 763,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
investment income | 5,000,000 | 12,000,000 | 9,000,000 | 10,000,000 | 1,000,000 | 88,000,000 | 9,000,000 | 10,000,000 | 20,000,000 | 1,000,000 | 23,000,000 | 5,000,000 | 18,000,000 | 504,000,000 | 34,000,000 | 19,000,000 | 39,000,000 | 97,000,000 | 34,000,000 | 41,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
total other income | 66,000,000 | 3,000,000 | -1,000,000 | -8,000,000 | 198,000,000 | -6,000,000 | 16,000,000 | 82,000,000 | -15,000,000 | -9,000,000 | -9,000,000 | -6,000,000 | 475,000,000 | 6,000,000 | -13,000,000 | 12,000,000 | 66,000,000 | 21,000,000 | -3,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
interest income | 4,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
volume and support incentives | -421,000,000 | -393,000,000 | -372,000,000 | -374,000,000 | -326,000,000 | -344,000,000 | -295,000,000 | -269,000,000 | -299,000,000 | -274,000,000 | -338,000,000 | -250,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
network, edp and communications | 119,000,000 | 103,000,000 | 98,000,000 | 105,000,000 | 111,000,000 | 97,000,000 | 92,000,000 | 93,000,000 | 94,000,000 | 84,000,000 | 78,000,000 | 133,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
advertising, marketing and promotion | 233,000,000 | 277,000,000 | 238,000,000 | 216,000,000 | 283,000,000 | 229,000,000 | 196,000,000 | 210,000,000 | 320,000,000 | 271,000,000 | 215,000,000 | 210,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
professional and consulting fees | 108,000,000 | 77,000,000 | 50,000,000 | 51,000,000 | 107,000,000 | 82,000,000 | 84,000,000 | 80,000,000 | 136,000,000 | 108,000,000 | 96,000,000 | 98,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
administrative and other | 117,000,000 | 87,000,000 | 77,000,000 | 78,000,000 | 113,000,000 | 96,000,000 | 66,000,000 | 63,000,000 | 98,000,000 | 85,000,000 | 75,000,000 | 78,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
equity in earnings of unconsolidated affiliates | -2,000,000 | -3,000,000 | -2,000,000 | 1,000,000 | -1,000,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income tax expense | 422,000,000 | 406,000,000 | 401,000,000 | 445,000,000 | 324,750,000 | 568,000,000 | 352,000,000 | 379,000,000 | 151,750,000 | 292,000,000 | 56,000,000 | 259,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net income attributable to visa inc | 548,000,000 | 716,000,000 | 713,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income before income taxes and minority interest | 863,000,000 | 1,297,000,000 | 887,000,000 | 953,000,000 | -431,000,000 | 714,000,000 | 370,000,000 | 683,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income before minority interest | 514,000,000 | 729,000,000 | 535,000,000 | 574,000,000 | -356,000,000 | 422,000,000 | 314,000,000 | 424,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
minority interest | 1,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
basic net income per share | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class c (series i) common stock | -0.48 | 0.51 | 0.39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class c (series ii) common stock | 0.04 | 0.12 | 0.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
class c (series iii and iv) common stock | -0.48 | 0.51 | 0.39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
all regional classes and series of common stock | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
service fees | 788,000,000 | 749,000,000 | 792,000,000 | 732,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
data processing fees | 548,000,000 | 539,000,000 | 494,000,000 | 492,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
international transaction fees | 512,000,000 | 449,000,000 | 379,000,000 | 381,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
visa international fees | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
basic and diluted net income per share | 0.55 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
basic and diluted weighted-average common stock outstanding | 775,080,512 |
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