V vs. VTI

Last updated Jun 13, 2026

V (Visa Inc.) is a stock, while VTI (Vanguard Total Stock Market ETF) is Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, V returned 15.98%/yr vs 15.02%/yr for VTI. A 0.62 correlation means they provide meaningful diversification when combined.

Performance

V vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Visa Inc. (V) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, V achieves a -7.69% return, which is significantly lower than VTI's 9.62% return. Over the past 10 years, V has outperformed VTI with an annualized return of 15.98%, while VTI has yielded a comparatively lower 15.02% annualized return.

V

• 1D: 1.05%
• 1M: -1.03%
• YTD: -7.69%
• 6M: -6.93%
• 1Y: -7.91%
• 3Y*: 13.87%
• 5Y*: 7.33%
• 10Y*: 15.98%

VTI

• 1D: 0.57%
• 1M: 1.00%
• YTD: 9.62%
• 6M: 9.69%
• 1Y: 26.27%
• 3Y*: 20.60%
• 5Y*: 12.20%
• 10Y*: 15.02%

*Multi-year figures are annualized to reflect compound growth (CAGR)

V vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
V Visa Inc.	-7.69%	11.76%	22.32%	26.31%	-3.40%	-0.31%	17.12%	43.33%	16.49%	47.18%
VTI Vanguard Total Stock Market ETF	9.62%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between V and VTI is 0.35, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.35
Correlation (3Y) Calculated over the trailing 3-year period	0.44
Correlation (5Y) Calculated over the trailing 5-year period	0.56
Correlation (10Y) Calculated over the trailing 10-year period	0.63
Correlation (All Time) Calculated using the full available price history since Mar 19, 2008	0.62

Over the past year, the correlation between V and VTI has dropped to 0.35 - well below their long-term average of 0.62, suggesting their price drivers have been diverging.

Return for Risk

V vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

V

V Risk / Return Rank: 15
V Sharpe Ratio Rank: 18
V Sortino Ratio Rank: 17
V Omega Ratio Rank: 18
V Calmar Ratio Rank: 15
V Martin Ratio Rank: 5

VTI

VTI Risk / Return Rank: 70
VTI Sharpe Ratio Rank: 70
VTI Sortino Ratio Rank: 68
VTI Omega Ratio Rank: 69
VTI Calmar Ratio Rank: 64
VTI Martin Ratio Rank: 76

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

V vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Visa Inc. (V) and Vanguard Total Stock Market ETF (VTI). 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.

	V	VTI	Difference
Sharpe ratio: Return per unit of total volatility	-0.56	1.97	-2.53
Sortino ratio: Return per unit of downside risk	-0.68	2.67	-3.36
Omega ratio: Gain probability vs. loss probability	0.92	1.35	-0.44
Calmar ratio: Return relative to maximum drawdown	-0.73	2.79	-3.52
Martin ratio: Return relative to average drawdown	-1.57	12.52	-14.09

V vs. VTI - Sharpe Ratio Comparison

The current V Sharpe Ratio is -0.56, which is lower than the VTI Sharpe Ratio of 1.97. The chart below compares the historical Sharpe Ratios of V and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

V vs. VTI - Drawdown Comparison

The maximum V drawdown since its inception was -51.90%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for V and VTI.

Drawdown Indicators

	V	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-51.90%	-55.45%	+3.55%
Max Drawdown (1Y) Largest decline over 1 year	-17.18%	-8.92%	-8.26%
Max Drawdown (3Y) Largest decline over 3 years	-20.38%	-19.30%	-1.08%
Max Drawdown (5Y) Largest decline over 5 years	-28.60%	-25.36%	-3.24%
Max Drawdown (10Y) Largest decline over 10 years	-36.36%	-35.00%	-1.36%
Current Drawdown Current decline from peak	-12.96%	-2.14%	-10.82%
Average Drawdown Average peak-to-trough decline	-8.26%	-8.02%	-0.24%
Ulcer Index Depth and duration of drawdowns from previous peaks	10.73%	1.99%	+8.74%

Volatility

V vs. VTI - Volatility Comparison

Visa Inc. (V) has a higher volatility of 5.57% compared to Vanguard Total Stock Market ETF (VTI) at 4.50%. This indicates that V's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	V	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.57%	4.50%	+1.07%
Volatility (6M) Calculated over the trailing 6-month period	17.57%	9.82%	+7.75%
Volatility (1Y) Calculated over the trailing 1-year period	22.35%	12.64%	+9.71%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	22.82%	17.47%	+5.35%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	24.45%	18.33%	+6.12%

Dividends

V vs. VTI - Dividend Comparison

V's dividend yield for the trailing twelve months is around 0.81%, less than VTI's 1.03% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
V Visa Inc.	0.81%	0.70%	0.68%	0.72%	0.76%	0.62%	0.56%	0.56%	0.67%	0.61%	0.75%	0.64%
VTI Vanguard Total Stock Market ETF	1.03%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both V and VTI in my portfolio?

V and VTI have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, V or VTI?

V has higher volatility (5.57%) compared to VTI (4.50%). In terms of maximum drawdown, V dropped -51.90% vs VTI's -55.45%.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.97 vs -0.56), 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.