VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
284.55 EUR
-19.25 (-6.34%)
We assign a fundamental rating of 7 out of 10 to 1V. 1V was compared to 58 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making 1V a very profitable company, without any liquidiy or solvency issues. 1V is quite expensive at the moment. It does show a decent growth rate. This makes 1V very considerable for quality investing!
1. Profitability
1.1 Basic Checks
- In the past year 1V was profitable.
- 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
- The Return On Assets of 1V (19.93%) is better than 96.55% of its industry peers.
- The Return On Equity of 1V (52.38%) is better than 94.83% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 34.02%, 1V belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for 1V is significantly above the industry average of 8.80%.
- The 3 year average ROIC (30.07%) for 1V is below the current ROIC(34.02%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.93% | ||
| ROE | 52.38% | ||
| ROIC | 34.02% |
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
1.3 Margins
- 1V's Profit Margin of 49.64% is amongst the best of the industry. 1V outperforms 93.10% of its industry peers.
- In the last couple of years the Profit Margin of 1V has remained more or less at the same level.
- The Operating Margin of 1V (66.39%) is better than 93.10% of its industry peers.
- 1V's Operating Margin has been stable in the last couple of years.
- 1V's Gross Margin of 80.36% is fine compared to the rest of the industry. 1V outperforms 79.31% of its industry peers.
- 1V's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.39% | ||
| PM (TTM) | 49.64% | ||
| GM | 80.36% |
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1V is creating value.
- 1V has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, 1V has less shares outstanding
- The debt/assets ratio for 1V is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 7.94 indicates that 1V is not in any danger for bankruptcy at the moment.
- 1V has a Altman-Z score of 7.94. This is amongst the best in the industry. 1V outperforms 89.66% of its industry peers.
- The Debt to FCF ratio of 1V is 1.17, which is an excellent value as it means it would take 1V, only 1.17 years of fcf income to pay off all of its debts.
- 1V's Debt to FCF ratio of 1.17 is amongst the best of the industry. 1V outperforms 84.48% of its industry peers.
- 1V has a Debt/Equity ratio of 0.52. This is a neutral value indicating 1V is somewhat dependend on debt financing.
- The Debt to Equity ratio of 1V (0.52) is comparable to the rest of the industry.
- Although 1V does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 7.94 |
ROIC/WACC3.99
WACC8.53%
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 is not doing good in the industry: 60.34% of the companies in the same industry are doing better.
- 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 of 1.08. This is in the lower half of the industry: 1V underperforms 60.34% of its industry peers.
- The current and quick ratio evaluation for 1V is rather negative, while it does have 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
- 1V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.13%, which is quite good.
- 1V shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
- Looking at the last year, 1V shows a quite strong growth in Revenue. The Revenue has grown by 11.34% in the last year.
- The Revenue has been growing by 12.86% on average over the past years. This is quite good.
EPS 1Y (TTM)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
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 13.16% on average per year.
- 1V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.38% yearly.
EPS Next Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.16%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
Revenue Next 3Y10.38%
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 28.92, which means the current valuation is very expensive for 1V.
- Compared to the rest of the industry, the Price/Earnings ratio of 1V is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, 1V is valued at the same level.
- Based on the Price/Forward Earnings ratio of 25.43, the valuation of 1V can be described as expensive.
- The rest of the industry has a similar Price/Forward Earnings ratio as 1V.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. 1V is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.92 | ||
| Fwd PE | 25.43 |
4.2 Price Multiples
- 1V's Enterprise Value to EBITDA is on the same level as the industry average.
- 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 | 29.41 | ||
| EV/EBITDA | 23.9 |
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.
- 1V has an outstanding profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as 1V's earnings are expected to grow with 12.92% in the coming years.
PEG (NY)2.12
PEG (5Y)1.61
EPS Next 2Y13.26%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
- 1V has a yearly dividend return of 0.76%, which is pretty low.
- 1V's Dividend Yield is comparable with the industry average which is at 1.97.
- With a Dividend Yield of 0.76, 1V pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
5.2 History
- On average, the dividend of 1V grows each year by 13.82%, which is quite nice.
Dividend Growth(5Y)13.82%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 1V pays out 23.34% 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.
DP23.34%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
BIT:1V (1/15/2026, 7:00:00 PM)
284.55
-19.25 (-6.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap544.66B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts82.98
Price Target342.24 (20.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
Yearly Dividend2.05
Dividend Growth(5Y)13.82%
DP23.34%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.59%
Min EPS beat(2)-1.51%
Max EPS beat(2)2.69%
EPS beat(4)3
Avg EPS beat(4)0.86%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)6
Avg EPS beat(8)0.83%
EPS beat(12)10
Avg EPS beat(12)1.5%
EPS beat(16)14
Avg EPS beat(16)2.6%
Revenue beat(2)1
Avg Revenue beat(2)0.19%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.67%
Revenue beat(12)3
Avg Revenue beat(12)-0.53%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)-2.09%
PT rev (3m)0.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.56%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.92 | ||
| Fwd PE | 25.43 | ||
| P/S | 15.86 | ||
| P/FCF | 29.41 | ||
| P/OCF | 27.52 | ||
| P/B | 16.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.9 |
EPS(TTM)9.84
EY3.46%
EPS(NY)11.19
Fwd EY3.93%
FCF(TTM)9.68
FCFY3.4%
OCF(TTM)10.34
OCFY3.63%
SpS17.94
BVpS17
TBVpS-4.31
PEG (NY)2.12
PEG (5Y)1.61
Graham Number61.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.93% | ||
| ROE | 52.38% | ||
| ROCE | 41.12% | ||
| ROIC | 34.02% | ||
| ROICexc | 48.2% | ||
| ROICexgc | N/A | ||
| OM | 66.39% | ||
| PM (TTM) | 49.64% | ||
| GM | 80.36% | ||
| FCFM | 53.94% |
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
ROICexc(3y)41.42%
ROICexc(5y)37.31%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)36.35%
ROCE(5y)32.62%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y10.83%
ROICexc growth 5Y13.9%
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
F-Score6
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 0.71 | ||
| Cap/Depr | 121.48% | ||
| Cap/Sales | 3.71% | ||
| Interest Coverage | 45.24 | ||
| Cash Conversion | 83.02% | ||
| Profit Quality | 108.67% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 7.94 |
F-Score6
WACC8.53%
ROIC/WACC3.99
Cap/Depr(3y)118.45%
Cap/Depr(5y)111.14%
Cap/Sales(3y)3.48%
Cap/Sales(5y)3.34%
Profit Quality(3y)106.9%
Profit Quality(5y)112.77%
High Growth Momentum
Growth
EPS 1Y (TTM)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
EPS Next Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.16%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
Revenue Next 3Y10.38%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.85%
EBIT Next 3Y11.99%
EBIT Next 5Y11.09%
FCF growth 1Y15.43%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y15.58%
OCF growth 3Y6.95%
OCF growth 5Y17.17%
VISA INC-CLASS A SHARES / 1V.MI FAQ
Can you provide the ChartMill fundamental rating for VISA INC-CLASS A SHARES?
ChartMill assigns a fundamental rating of 7 / 10 to 1V.MI.
What is the valuation status of VISA INC-CLASS A SHARES (1V.MI) stock?
ChartMill assigns a valuation rating of 3 / 10 to VISA INC-CLASS A SHARES (1V.MI). This can be considered as Overvalued.
What is the profitability of 1V stock?
VISA INC-CLASS A SHARES (1V.MI) has a profitability rating of 9 / 10.
Can you provide the financial health for 1V stock?
The financial health rating of VISA INC-CLASS A SHARES (1V.MI) is 8 / 10.
How sustainable is the dividend of VISA INC-CLASS A SHARES (1V.MI) stock?
The dividend rating of VISA INC-CLASS A SHARES (1V.MI) is 3 / 10 and the dividend payout ratio is 23.34%.