Visa posted $3.48 adjusted earnings per share on $12.1 billion in net revenue for the fiscal fourth quarter, its SEC earnings release shows. GAAP net income was $6.0 billion, or $3.19 per share. Non-GAAP net income was $6.6 billion. Net revenue rose 13% from a year earlier on a nominal and constant-dollar basis, the release said.

For the full fiscal year, Visa reported record net revenue of $45.9 billion, up 15%. Non-GAAP earnings were $13.27 per share. CEO Ryan McInerney called trust the next growth vector as the company looks to 2027 and beyond, the release said. The filing text NewsHabit reviewed did not publish a detailed fiscal-2027 profit outlook with new targets.

CNBC listed Visa among the biggest after-hours movers and said shares inched down about 2%. The network said non-GAAP operating margin came in at 66.6%, slightly below the FactSet consensus of 66.7%, while adjusted earnings and revenue beat estimates. Payments volume, cross-border volume, and processed transactions all rose, the SEC release said. Service revenue was $5.3 billion and data processing revenue was $6.2 billion in the quarter. Cross-border volume excluding Europe rose 14% on a constant-dollar basis.

What we know: Visa's SEC release shows a fourth-quarter beat on adjusted earnings and revenue, and CNBC reports a mild after-hours dip tied to a slight margin miss versus FactSet.
What we don't: A full fiscal-2027 guidance package in the release text NewsHabit reviewed. How shares will trade in regular hours. Why margin trailed the Street by a tenth of a point.