USB vs. V
USB (U.S. Bancorp) and V (Visa Inc.) are both stocks. Both are in the Financial Services sector — USB in Banks - Regional, V in Credit Services. Over the past 10 years, USB returned 8.02%/yr vs 17.08%/yr for V. At a 0.44 correlation, their price movements are largely independent.
Performance
USB vs. V - Performance Comparison
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Returns By Period
In the year-to-date period, USB achieves a 20.57% return, which is significantly higher than V's 3.24% return. Over the past 10 years, USB has underperformed V with an annualized return of 8.02%, while V has yielded a comparatively higher 17.08% annualized return.
USB
- 1D
- 0.00%
- 1M
- 9.53%
- 6M
- 18.27%
- YTD
- 20.57%
- 1Y
- 43.70%
- 3Y*
- 23.37%
- 5Y*
- 6.54%
- 10Y*
- 8.02%
- ALL TIME*
- 13.10%
V
- 1D
- 0.56%
- 1M
- 10.19%
- 6M
- 10.28%
- YTD
- 3.24%
- 1Y
- 4.12%
- 3Y*
- 15.53%
- 5Y*
- 8.97%
- 10Y*
- 17.08%
- ALL TIME*
- 19.84%
USB vs. V - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USB U.S. Bancorp | 20.57% | 16.48% | 15.62% | 4.79% | -19.13% | 24.32% | -17.85% | 33.62% | -12.36% | 6.61% |
V Visa Inc. | 3.24% | 11.76% | 22.32% | 26.31% | -3.40% | -0.31% | 17.12% | 43.33% | 16.49% | 47.18% |
Correlation
The correlation between USB and V is 0.36, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.36 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.34 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.40 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.38 |
Correlation (All Time) Calculated using the full available price history since Mar 19, 2008 | 0.44 |
Fundamentals
USB:
$98.36B
V:
$691.15B
USB:
$5.25
V:
$17.20
USB:
12.02
V:
20.96
USB:
2.25
V:
10.83
USB:
$43.74B
V:
$43.03B
USB:
$27.90B
V:
$16.94B
USB:
$10.86B
V:
$27.63B
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Return for Risk
USB vs. V — Risk / Return Rank
USB
V
USB vs. V - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for U.S. Bancorp (USB) and Visa Inc. (V). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| USB | V | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.77 | ||
| Sortino ratioReturn per unit of downside risk | +2.19 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.05 | +0.29 |
| Calmar ratioReturn relative to maximum drawdown | 2.71 | 0.24 | +2.47 |
| Martin ratioReturn relative to average drawdown | 6.89 | 0.52 | +6.38 |
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Drawdowns
USB vs. V - Drawdown Comparison
The maximum USB drawdown since its inception was -76.08%, which is greater than V's maximum drawdown of -51.90%. Use the drawdown chart below to compare losses from any high point for USB and V.
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Drawdown Indicators
| USB | V | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.08% | -51.90% | -24.18% |
Max Drawdown (1Y)Largest decline over 1 year | -16.21% | -17.18% | +0.97% |
Max Drawdown (3Y)Largest decline over 3 years | -30.63% | -20.38% | -10.25% |
Max Drawdown (5Y)Largest decline over 5 years | -52.13% | -28.60% | -23.53% |
Max Drawdown (10Y)Largest decline over 10 years | -52.13% | -36.36% | -15.77% |
Current DrawdownCurrent decline from peak | -1.36% | -2.65% | +1.29% |
Average DrawdownAverage peak-to-trough decline | -15.59% | -8.26% | -7.33% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.36% | 7.98% | -1.62% |
Volatility
USB vs. V - Volatility Comparison
The current volatility for U.S. Bancorp (USB) is 6.03%, while Visa Inc. (V) has a volatility of 6.74%. This indicates that USB experiences smaller price fluctuations and is considered to be less risky than V based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USB | V | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.03% | 6.74% | -0.71% |
Volatility (6M)Calculated over the trailing 6-month period | 17.23% | 17.06% | +0.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.42% | 21.96% | +0.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.63% | 22.93% | +6.70% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.29% | 24.45% | +5.84% |
Dividends
USB vs. V - Dividend Comparison
USB's dividend yield for the trailing twelve months is around 3.29%, more than V's 0.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USB U.S. Bancorp | 3.29% | 3.82% | 4.14% | 4.46% | 4.31% | 3.13% | 3.61% | 2.66% | 2.93% | 2.16% | 2.08% | 2.37% |
V Visa Inc. | 0.72% | 0.70% | 0.68% | 0.72% | 0.76% | 0.62% | 0.56% | 0.56% | 0.67% | 0.61% | 0.75% | 0.64% |
Financials
USB vs. V - Financials Comparison
This section allows you to compare key financial metrics between U.S. Bancorp and Visa Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
USB vs. V - Profitability Comparison
USB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, U.S. Bancorp reported a gross profit of 7.15B and revenue of 10.92B. Therefore, the gross margin over that period was 65.4%.
V - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Visa Inc. reported a gross profit of -8.90B and revenue of 11.23B. Therefore, the gross margin over that period was -79.3%.
USB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, U.S. Bancorp reported an operating income of 2.72B and revenue of 10.92B, resulting in an operating margin of 24.9%.
V - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Visa Inc. reported an operating income of 7.23B and revenue of 11.23B, resulting in an operating margin of 64.4%.
USB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, U.S. Bancorp reported a net income of 2.18B and revenue of 10.92B, resulting in a net margin of 19.9%.
V - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Visa Inc. reported a net income of 6.02B and revenue of 11.23B, resulting in a net margin of 53.6%.
Frequently Asked Questions
USB and V have a correlation of 0.36, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
V has higher volatility (6.74%) compared to USB (6.03%). In terms of maximum drawdown, USB dropped -76.08% vs V's -51.90%.
USB currently has the higher Sharpe Ratio (1.96 vs 0.19), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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