Visa Inc. (V)

All Comments on V

  • commenter
    User 172125
    Apr 26 12:55 PM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    Adesai- I agree with you - when you find a winner stick with it. My wife is from Brazil and I told her the same thing- as she has an accout with Banco Do Brazil and can trade Bovespa stocks- I told her to buy Petrobras and Rio and Gerdau- and forget about everyhing else- and I don't have to tell you what Petrobas is doing.

    I got into IPI- and love it- and have no doubts that the agricultural bull run (like Oil) is here to stay. We have reached peak oil- and now, peak ag, and peak metals- the boom and bust cycles of the commodities cycles are being replaced with 'boom and boom'. People forget that the developing world is eating twice as much and the amount of people on this planet is going to grow from 6.7 bil to 9.5 bill in the next 25 years- all while absorbing an ever-increasing amount of farm land. Not only that- but metal capacity and oil capacity is stretched to the max. You could pretty much invest in any of the potash stocks, or big miners (rio/bhp/mechel-etc) and forget about them for 10 years and wake up much wealthier.

    The same consumption patterns are what make V a winner- and I think 10% growth year-over-year is conservative. Once V gets past the litigation this stock will go parabolic- and even until then I see 100 by the end of the Olympics- and 125 by the end of the year.

    I'll check out the other blog     Reply
  • commenter
    User 172125
    Apr 26 12:45 PM
    Visa, MasterCard: A Chance to Profit as Markets Go Mad [view article]
    Rumaz- Law suits are the one thing that could bring down the price of the stock over the next couple of years - as the major shareholders are locked in for 3 years. Lets look at this- lawsuits are a fact of life for major companies (especially companies that have a huge market advantage- like Microsoft). V is aggressively seeking to settle all pending litigation as they have already done with Amex.

    Legal settlement costs could run from the low end of 1.5/2 billion to the high end fo 10 billion. In the event that costs exceed 5 billion V could go back to the till (raise more money)- as they have stated in their prospectus. I expect that major suits will be settled by around the turn of the decade. Furthermore, once all suits are settled V will have claimed an even greater percentage of foriegn and domestic transaction business and once unharnessed- should experience an incredible run.

    I would look at future pullbacks as a buying oppurtunity. No stock moves in a straight line an V is no exception. What I would recommend is developing a pre- defined buying strategy whereby you seek to continue to acquire the stocks during times of weakness - whether artificial or real- turn other's weakness into your strength.

    Bottom Line- you will hear the doubters critique and pick-apart this stock all day long- but V has one of the most enviable business models in the world- which is precisely why they have frustrated so many other companies and regulators.

    Good luck     Reply
  • commenter
    Rumaz
    Apr 26 10:49 AM
    Visa, MasterCard: A Chance to Profit as Markets Go Mad [view article]
    V Winner

    Is the $ 3 billion cash that V has kept aside for potential law-suits, enough money? You mentioned that the international growth would be enough cushion, but won't the law suits (if V looses) bring bad publicity to V and drive the stock down?
    Reply
  • commenter
    Adesai
    Apr 26 09:54 AM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    we should move our blogs to the IPI article on seekingalpha seekingalpha.com/artic...

    you guys gotta read this bullshit article     Reply
  • commenter
    Adesai
    Apr 26 09:50 AM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    Winner V,

    Im on-board with you brother. I believe V will be more than 150+ in 2-3 years.. Especially with the growth in Aisa and brand name recognition. I beleive of all the companies that are sponsoring the summer olympics in China i think Visa has the most to gain b/c of the growth of credit card usage in India and China... Lastly but not least when you have Insiders in the company buying shit loads of Visa stock you know there is something good going on.....I believe this stock will pay for a ferrari or lamborghini or possibly even both....haha

    As far as IPI i heard about this stock on AOL.com finance that claimed that this is the hottest stock of the year (even above V)... It claimed that IPI might be the hottest stock to come out since Google and it should see heights of $100+ within this year b/c of the low floating shares in addition to the price of potash and the low supply to demand ratio. One concern I have is the global market share that IPI has which is about 1.5% which i hope they will increase with the continued increase demand... I heard the 35 min presentation done by the CEO of IPI on the website retailroadshow.com/ind... which is a presentation by the executives of the issuing company of all IPO to investors.. the video is probably not there any more as they rid of it once it goes public...Anyways it was informative and i was convinced of there growth potential.


    Im banking on these 2 stocks....My theory is: find several hott stocks and put all your eggs in that basket...why take the risk investing in 15-20 stocks when you can invest in 2-3 that you "KNOW" are going to the top.     Reply
  • commenter
    Onecent
    Apr 26 09:24 AM
    Starbucks Cools Off - Fast Money Recap (4/24/08) [view article]
    Just how is DECK, a maker of seasonal fad boots, going to sustain it's profits in this consumer recession going forward? They conceded that their Teva brand for summer isn't doing as well as expected.

    Their very small float is easily manipulated and keeps the share price aloft for now.     Reply
  • commenter
    User 172125
    Apr 26 03:54 AM
    Mastercard, Visa: Q1 Earnings May Be Fine, But Guidance Will Be Weak [view article]
    Gee- sorrento- are we doing a quiz- cuz you sound awful smart.

    Here let me give it a crack- (oh- and i like how you tell people how to answer your question).Thanks for giving us a chance.......

    Answers:

    1. Only if whole milk is substituted for low fat in making milk shakes.

    2. There are no risks to Visa-

    3. There are no risks to MA

    4. They are both credit cards

    Did I do ok?     Reply
  • commenter
    User 172125
    Apr 26 03:47 AM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    Adesai- I know this is a V post- but i've got to say that Green Capitalist is right about Potash- and even though IPI only has a 1.5% world market share, they are the only player with US production- I think that stock has a very bright future.

    I'm taking a break from China - so I'm not following any Chinese stocks.

    As far as alpha- I remember asking my father as a teenager what it would take to find a good woman- he replied; 'you have to dig through a lot of dumpsters to find a diamond'. The diamond was finding out about IPI on a Green C post- for that the frustration was worth it.

    I am excited about V - I think we should see a strong pop - even if guidance is conservative. Transactions, revenue, and global expansion will all be strong. V is starting to make some strong moves already in the gulf and in china (the fact that they have 1.2 billion from Chinese and Kuwaiti investors alone - helps). I really don't think too many people understand how brilliant they have been in putting together the investors they have. Unlike most companies raising capital from passive investors - V is already putting its investors to work. Its a seamless viral business expansion strategy- and this applies to the member banks (pre-ipo investors)- as well as the ipo investors-

    Reply
  • commenter
    Adesai
    Apr 26 01:42 AM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    You guys gotta read the article on IPI on seeking alpha that claims "potash is a bubble ready to burst".....seekin... alpha is bashing IPI just as it bashed V....

    Reply
  • commenter
    Adesai
    Apr 26 01:37 AM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    Thanks for the recommendations greencapitalist Reply
  • commenter
    Adesai
    Apr 26 01:26 AM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    Greencapitalist, V winner

    I too am in the same boat as both of you. I sold all my other stocks and own only 3: Visa, Intrepid Potash and EJ (E house china). I got in with IPI at $45 about 2200 shares and bought more at $50. I heard about that stock on friday before it went IPO on monday. Especially with POT, MOS, CF, AGU having record prices, due to projection of Potash being sold at $1,000 a ton compared to $250 a ton last year.

    I have a question for both of you... what do you think about this stock EJ. Its the largest real estate agency in china and there stock fell to $15.... its projected to be at $36...and i believe it may hit it this summer with the olympics.....

    As far as MA i will take your advice greencapitalist and buy some. I am just awaiting March 28 when the earning report come out for V.

    Its good to hear from you again Winner V....     Reply
  • commenter
    sorrentocapi
    tal
    Apr 26 01:17 AM
    Mastercard, Visa: Q1 Earnings May Be Fine, But Guidance Will Be Weak [view article]
    I'm lazy right now. Help me and others with the following (please, if you can't read an income statement, balance sheet or know what SGA is, DON'T respond.....take some time off and read some books):

    1) Visa- obviously the current price is high, relative to the PE of the S&P or anything else. However, with enough growth, high pe's can be reasonable or even cheap. Question- expound on the growth opportunities for Visa over the next 5-7 years, and why they will capture these revenue sources as opposed to MA. If you really feel that MA will experience the growth, go ahead and cover that instead.

    2) What are the future downside risks to top line and bottom line for Visa?

    3) Same question, but for MA.

    4) Basic objective comparison of MA and V?     Reply
  • commenter
    HARRY BEAVER
    Apr 25 10:30 PM
    Mastercard, Visa: Q1 Earnings May Be Fine, But Guidance Will Be Weak [view article]
    Visa is a transaction company. More and more people are using their Visa credit and debit to buy everything. Even if the economy is bad, people still need those everyday things and they will most likely use their Visa card. Reply
  • commenter
    User 172125
    Apr 25 09:51 PM
    Visa and Mastercard: The Mortgage Brokers of the Credit Card Industry [view article]
    IPI- Good tip- I am diversified but I like to trade one stock at a time - I watch V like a hawk ever day - every minute- and every hour- I know which direction this stock is moving with my eyes closed.

    I do, however, agree with you on the Potash stocks- and here's why:

    China has virtually no domestic potash production. If you look at why nickel, and copper have seen the big run ups it is because China consumes 25% of the world's supply of both metals yet produces less than 5%. Same thing with Potash. The only way to solve the world's food crisis is with Potash. There will be 9.5 billion people by the year 2009 (up from 6.7billion now)- and the developing world has simply maxed out current food stocks (trust me- its not farmer bob making ethanol doing this- its the developing world eating more combined with an increase in population)- and Potash is the magic ingredient in farming. I agree 100% that these companies are CASH COWS.

    Now- back to V- that is what I love about V- it is also a cash cow (and I will conceed that Mastercard has excellent fundamentals and plenty of room for growth)- but, unlike a miner or manufacturer- there are very few employees, very little cost in doing business, and a whole lot of profit.......

    I have a new sense of optimism about seeking alpha after hearing about IPI from Green Capitalist- Good stuff!     Reply
  • commenter
    User 172125
    Apr 25 09:28 PM
    Visa, MasterCard: A Chance to Profit as Markets Go Mad [view article]
    Vdiddy- Here's the deal on V- There are some potential future problems- and Wez- you want balance here it is (and this is from someone that loves this stock almost as much as my wife).

    But- before I start let me address the fact that I have been called a 'boiler room promoter'- (see other V posts) so I will lend you me experience:

    1. 22 years in the securities business
    2. I have owned one retail brokerage
    3. 3 registrations with Finra (formerly NASD)
    4. I own a precious and base metals investment firm
    5. No securities violations (knock on wood) in 22 years
    6. I have taken one company I started public
    7. I started one of the first online brokerage firms
    8. I work on Wall Street (literally)
    9. I have structured over 25 private placements
    10. I have personally raised over 100,000,000$ in private capital

    Having said that- I can't understand why someone would be so offended at someone that needs to counter all of the false and misleading information being disseminated on Seeking Alpha- (other than jealousy or anger at the fact they didn't get involved in owning V)

    Now, for the problems:

    Problem 1. There are many, many pending lawsuits against V- some may drag out for years- others may cost a fortune.

    Solution1. V has stated in its prospectus it may do a follow-on offering. In other words, should they need more money- they will go back to the till.

    Problem 2. Increased regulation.

    Solution 2. Yes, V may have to deal with a new set of regulatory issues BUT- so have banks, brokerages, and even Microsoft. Bottom line- is that even if they are impacted exponential global growth will cushion the blow.

    Problem 3. Lock-up expiration.

    Solution 3. Yes, the pre-ipo shareholders (mostly member banks) will eventually be able to sell their shares. BUT- this will be in 3 years, unlike a normal lock-up which is only 6 months AND these types of transactions will be pre-arranged 'block' sales IF the major shareholders even sell.

    What so many are missing when they pick this apart and whine about how many shares are outstanding is the brilliance of the viral expansion plan V has developed. Not only are Vs major shareholders some of the biggest banks in the developed and developing world, but so are some of the pre-ipo investors. China Life and the Chinese wealth fund- have 400,000,000. invested - the Kuwait wealth fund has 800,000,000. invested. The biggest banks from Australia to America to Latin America to Asia and the Middle East are all existing shareholders. Whose card do you think they will offer- Discover? Get real. Now that China and Kuwait are players whose card do you think will get preferential treatment in the gulf and in China?

    I have been all over the developing world and credit and debit cards are brand spanking new in most of these markets. Even if V gets 10% of the market of Brazil, China, India, and the rest of the developing world's market- it will triple or quadruple its user base within a decade. Conservative estimates are 10- 12% growth over the next decade year-over-year! All this with less than 5,000. employees, and minimal costs ,other than computers, terminals ,and the cost of plastic to make the card :-)

    Bottom Line:

    Once they get past the litigation this company is a cash cow in the true sense of the word. Look at how much money Microsoft has made over the years because of the profit involved in reselling software. Unlike Microsoft, however, V does not have to update its product ever year, hire thousands of programmers, or deal with the whole planet trying to hack it to death.

    Enough said?     Reply
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