Based on the aggregated intelligence of 165,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, credit card giant Visa (NYSE: V) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Visa's business and see what CAPS investors are saying about the stock right now.

Visa facts

Headquarters (Founded)

San Francisco (1958)

Market Cap

$51.8 billion

Industry

Data processing and outsourced services

Trailing-12-Month Revenue

$7.8 billion

Management

CEO Joseph Saunders (since 2007)

CFO Byron Pollitt Jr. (since 2007)

Trailing-12-Month Return on Equity

11.4%

Cash/Debt

$5.2 billion / $47 million

Competitors

MasterCard (NYSE: MA)

American Express (NYSE: AXP)

Discover Financial Services (NYSE: DFS)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 94.6% of the 4,616 members who have rated Visa believe the stock will outperform the S&P 500 going forward. These bulls include ChrisFs and viyer00.

Just two days ago, viyer00 gave Visa's business model all kinds of credit:

They have kind of a genius plan. They license the Visa brand, process the cards and collect all those fees and let the banks take the risk of credit card defaults. Sounds pretty golden.

Unfortunately, worries over fee regulation pushed the shares of both Visa and MasterCard, whose top-lines depend on how often customers use their cards, off a cliff back in May. And while the Senate has since modified its amendment, essentially stating that the Fed really can't regulate network fees, the two stocks have yet to recover. In fact, Visa and MasterCard are down about 25% over the past four months, lagging peers American Express and Discover by a wide margin.

Of course, as the operator of the largest credit card network in the world, CAPS member viyer00 thinks Visa, in particular, is a good bet to turn around:

Visa still has the lion's share of the market and if there were to be truly cutthroat competition (of which I am skeptical), Visa certainly has the resources to destroy its competitors. I think markets will take some time to adjust to the legislation and what it means for Visa in the short or even long term. However, betting against Visa simply because the bill passed is pretty stupid.

What do you think about Visa, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. American Express and Discover are Motley Fool Inside Value picks. The Fool's disclosure policy always gets a perfect score.