VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
BIT:1V - Euronext Milan - US92826C8394 - Common Stock - Currency: EUR
1V gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 51 industry peers in the Financial Services industry. 1V scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 1V is quite expensive at the moment. It does show a decent growth rate. These ratings would make 1V suitable for quality investing!
1. Profitability
1.1 Basic Checks
1V had positive earnings in the past year.
In the past year 1V had a positive cash flow from operations.
Each year in the past 5 years 1V has been profitable.
Each year in the past 5 years 1V had a positive operating cash flow.
1.2 Ratios
1V has a Return On Assets of 21.15%. This is amongst the best in the industry. 1V outperforms 92.16% of its industry peers.
1V has a better Return On Equity (51.65%) than 94.12% of its industry peers.
The Return On Invested Capital of 1V (32.98%) is better than 96.08% of its industry peers.
1V had an Average Return On Invested Capital over the past 3 years of 27.02%. This is significantly above the industry average of 11.50%.
The 3 year average ROIC (27.02%) for 1V is below the current ROIC(32.98%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.15% | ||
| ROE | 51.65% | ||
| ROIC | 32.98% |
ROA(3y)18.82%
ROA(5y)16.78%
ROE(3y)44.9%
ROE(5y)39.11%
ROIC(3y)27.02%
ROIC(5y)23.58%
1.3 Margins
Looking at the Profit Margin, with a value of 52.21%, 1V belongs to the top of the industry, outperforming 92.16% of the companies in the same industry.
In the last couple of years the Profit Margin of 1V has remained more or less at the same level.
1V's Operating Margin of 66.51% is amongst the best of the industry. 1V outperforms 90.20% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
1V has a Gross Margin of 80.09%. This is in the better half of the industry: 1V outperforms 74.51% of its industry peers.
1V's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.51% | ||
| PM (TTM) | 52.21% | ||
| GM | 80.09% |
OM growth 3Y0.7%
OM growth 5Y-0.02%
PM growth 3Y2.83%
PM growth 5Y1.33%
GM growth 3Y0.43%
GM growth 5Y-0.36%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1V is creating value.
The number of shares outstanding for 1V has been reduced compared to 1 year ago.
The number of shares outstanding for 1V has been reduced compared to 5 years ago.
The debt/assets ratio for 1V has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 8.98 indicates that 1V is not in any danger for bankruptcy at the moment.
1V has a better Altman-Z score (8.98) than 90.20% of its industry peers.
1V has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
1V's Debt to FCF ratio of 1.01 is amongst the best of the industry. 1V outperforms 88.24% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that 1V is not too dependend on debt financing.
1V has a Debt to Equity ratio (0.44) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | 8.98 |
ROIC/WACC3.76
WACC8.76%
2.3 Liquidity
1V has a Current Ratio of 1.08. This is a normal value and indicates that 1V is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.08, 1V perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
1V has a Quick ratio (1.08) which is in line with its industry peers.
1V does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.07% over the past year.
Measured over the past years, 1V shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.02% on average per year.
Looking at the last year, 1V shows a quite strong growth in Revenue. The Revenue has grown by 10.19% in the last year.
The Revenue has been growing by 9.35% on average over the past years. This is quite good.
EPS 1Y (TTM)13.07%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%9.96%
Revenue 1Y (TTM)10.19%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%9.33%
3.2 Future
Based on estimates for the next years, 1V will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.72% on average per year.
1V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.16% yearly.
EPS Next Y15.01%
EPS Next 2Y13.62%
EPS Next 3Y13.41%
EPS Next 5Y13.72%
Revenue Next Year10.1%
Revenue Next 2Y10.23%
Revenue Next 3Y10.13%
Revenue Next 5Y11.16%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 32.79, the valuation of 1V can be described as expensive.
The rest of the industry has a similar Price/Earnings ratio as 1V.
The average S&P500 Price/Earnings ratio is at 27.30. 1V is valued slightly more expensive when compared to this.
The Price/Forward Earnings ratio is 26.90, which means the current valuation is very expensive for 1V.
1V's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of 1V to the average of the S&P500 Index (21.76), we can say 1V is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.79 | ||
| Fwd PE | 26.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1V is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1V is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33 | ||
| EV/EBITDA | 26.07 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1V does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of 1V may justify a higher PE ratio.
1V's earnings are expected to grow with 13.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.18
PEG (5Y)2.52
EPS Next 2Y13.62%
EPS Next 3Y13.41%
5. Dividend
5.1 Amount
With a yearly dividend of 0.68%, 1V is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.51, 1V has a dividend in line with its industry peers.
With a Dividend Yield of 0.68, 1V pays less dividend than the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
5.2 History
On average, the dividend of 1V grows each year by 15.24%, which is quite nice.
Dividend Growth(5Y)15.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1V pays out 22.56% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1V is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.56%
EPS Next 2Y13.62%
EPS Next 3Y13.41%
BIT:1V (7/2/2025, 7:00:00 PM)
298.05
+4.2 (+1.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.44%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap577.97B
Analysts80.83
Price Target351.29 (17.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
Yearly Dividend1.81
Dividend Growth(5Y)15.24%
DP22.56%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.12%
Min EPS beat(2)0.92%
Max EPS beat(2)1.33%
EPS beat(4)3
Avg EPS beat(4)0.83%
Min EPS beat(4)-1.88%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)0.92%
EPS beat(12)11
Avg EPS beat(12)2.46%
EPS beat(16)15
Avg EPS beat(16)3.22%
Revenue beat(2)0
Avg Revenue beat(2)-0.85%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)-0.19%
Revenue beat(4)0
Avg Revenue beat(4)-1.13%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)-0.19%
Revenue beat(8)0
Avg Revenue beat(8)-1.04%
Revenue beat(12)4
Avg Revenue beat(12)-0.39%
Revenue beat(16)7
Avg Revenue beat(16)0.07%
PT rev (1m)3.22%
PT rev (3m)0.33%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.79 | ||
| Fwd PE | 26.9 | ||
| P/S | 17.99 | ||
| P/FCF | 33 | ||
| P/OCF | 30.92 | ||
| P/B | 17.79 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.07 |
EPS(TTM)9.09
EY3.05%
EPS(NY)11.08
Fwd EY3.72%
FCF(TTM)9.03
FCFY3.03%
OCF(TTM)9.64
OCFY3.23%
SpS16.57
BVpS16.75
TBVpS-3.53
PEG (NY)2.18
PEG (5Y)2.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.15% | ||
| ROE | 51.65% | ||
| ROCE | 40.05% | ||
| ROIC | 32.98% | ||
| ROICexc | 42.28% | ||
| ROICexgc | 771.01% | ||
| OM | 66.51% | ||
| PM (TTM) | 52.21% | ||
| GM | 80.09% | ||
| FCFM | 54.51% |
ROA(3y)18.82%
ROA(5y)16.78%
ROE(3y)44.9%
ROE(5y)39.11%
ROIC(3y)27.02%
ROIC(5y)23.58%
ROICexc(3y)36.97%
ROICexc(5y)32.54%
ROICexgc(3y)449.64%
ROICexgc(5y)409.16%
ROCE(3y)32.82%
ROCE(5y)28.64%
ROICexcg growth 3Y3.03%
ROICexcg growth 5Y0.77%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.85%
OM growth 3Y0.7%
OM growth 5Y-0.02%
PM growth 3Y2.83%
PM growth 5Y1.33%
GM growth 3Y0.43%
GM growth 5Y-0.36%
F-Score8
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | 0.64 | ||
| Cap/Depr | 122.76% | ||
| Cap/Sales | 3.67% | ||
| Interest Coverage | 42.92 | ||
| Cash Conversion | 83.71% | ||
| Profit Quality | 104.41% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 8.98 |
F-Score8
WACC8.76%
ROIC/WACC3.76
Cap/Depr(3y)115.51%
Cap/Depr(5y)106.03%
Cap/Sales(3y)3.35%
Cap/Sales(5y)3.27%
Profit Quality(3y)111.41%
Profit Quality(5y)109.56%
High Growth Momentum
Growth
EPS 1Y (TTM)13.07%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%9.96%
EPS Next Y15.01%
EPS Next 2Y13.62%
EPS Next 3Y13.41%
EPS Next 5Y13.72%
Revenue 1Y (TTM)10.19%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%9.33%
Revenue Next Year10.1%
Revenue Next 2Y10.23%
Revenue Next 3Y10.13%
Revenue Next 5Y11.16%
EBIT growth 1Y9.24%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year14.33%
EBIT Next 3Y12%
EBIT Next 5Y11.53%
FCF growth 1Y12.87%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y14.25%
OCF growth 3Y9.42%
OCF growth 5Y9.31%