Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link

.

The

Dow Jones Industrial Average

(

^DJI

) is trading down 71.0 points (-0.4%) at 15,777 as of Friday, Jan 31, 2014, 1:35 p.m. ET. During this time, 256.8 million shares of the 30 Dow components have changed hands vs. an average daily trading volume of 366.7 million. The NYSE advances/declines ratio sits at 1,197 issues advancing vs. 1,778 declining with 175 unchanged.

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Holding back the Dow today is

Visa

(NYSE:

V

), which is lagging the broader Dow index with a $4.83 decline (-2.2%) bringing the stock to $216.05. This single loss is lowering the Dow Jones Industrial Average by 36.56 points or roughly accounting for 51.5% of the Dow's overall loss. Volume for Visa currently sits at 3.4 million shares traded vs. an average daily trading volume of 3.1 million shares.

Visa has a market cap of $109.83 billion and is part of the financial sector and financial services industry. Shares are down 0.8% year to date as of Thursday's close. The stock's dividend yield sits at 0.7%.

Visa Inc., a payments technology company, is engaged in the operation of retail electronic payments network worldwide. The company facilitates commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses, and government entities. The company has a P/E ratio of 28.6, above the S&P 500 P/E ratio of 17.7.

TheStreet Ratings rates Visa as a

buy

. The company's strengths can be seen in multiple areas, such as its revenue growth, largely solid financial position with reasonable debt levels by most measures, expanding profit margins, good cash flow from operations and notable return on equity. We feel these strengths outweigh the fact that the company has had sub par growth in net income.

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