As seen on the Net Profit Margin, Return on Assets, and Gross Profit Margin line graphs below, Visa's gross profit, net profit, and return on assets were considerably higher than their competitors. On average, their net profit was about 15 percentage points higher, 20 percent higher for gross profit, and 15 percent higher for return on assets. Based on stability and large percentages for these ratios, it is clear Visa generates profits efficiently and is increasing their margins. They are a clear top competitor for the financial transaction processor industry.
The reason Visa is a top competitor for its industry is due to how it generates profits. They have very low cost of goods sold because they are a service company. The only goods they produce are their cards. These low costs positively affect their Net and Gross Profit Margin, causing them to be marginally higher than their competitors.