VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
285.75 EUR
-4.85 (-1.67%)
Overall 1V gets a fundamental rating of 7 out of 10. We evaluated 1V against 53 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 valied quite expensively at the moment, while 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.
1V had a positive operating cash flow in the past year.
1V had positive earnings in each of the past 5 years.
1V had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
1V has a better Return On Assets (19.93%) than 96.15% of its industry peers.
1V has a Return On Equity of 52.38%. This is amongst the best in the industry. 1V outperforms 94.23% of its industry peers.
With an excellent Return On Invested Capital value of 34.02%, 1V belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for 1V is significantly above the industry average of 8.74%.
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
The Profit Margin of 1V (49.64%) is better than 94.23% of its industry peers.
1V's Profit Margin has been stable in the last couple of years.
1V has a Operating Margin of 66.39%. This is amongst the best in the industry. 1V outperforms 92.31% of its industry peers.
In the last couple of years the Operating Margin of 1V has remained more or less at the same level.
With a decent Gross Margin value of 80.36%, 1V is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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.
1V has less shares outstanding than it did 5 years ago.
1V has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 7.81 indicates that 1V is not in any danger for bankruptcy at the moment.
1V's Altman-Z score of 7.81 is amongst the best of the industry. 1V outperforms 90.38% of its industry peers.
1V has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
1V's Debt to FCF ratio of 1.17 is amongst the best of the industry. 1V outperforms 80.77% 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.
1V's Debt to Equity ratio of 0.52 is in line compared to the rest of the industry. 1V outperforms 46.15% of its industry peers.
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 | 7.81 |
ROIC/WACC4.03
WACC8.44%
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: 63.46% of the companies in the same industry are doing better.
1V has a Quick 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.
The Quick ratio of 1V (1.08) is worse than 61.54% 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
The Earnings Per Share has grown by an nice 14.13% over the past year.
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
The Earnings Per Share is expected to grow by 13.62% on average over the next years. This is quite good.
The Revenue is expected to grow by 10.26% on average over the next years. This is quite good.
EPS Next Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
EPS Next 5Y13.62%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.26%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
1V is valuated quite expensively with a Price/Earnings ratio of 28.69.
Compared to the rest of the industry, the Price/Earnings ratio of 1V is on the same level as its industry peers.
1V is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 25.23, the valuation of 1V can be described as expensive.
1V's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of 1V to the average of the S&P500 Index (34.45), we can say 1V is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.69 | ||
| Fwd PE | 25.23 |
4.2 Price Multiples
1V's Enterprise Value to EBITDA ratio is in line with the industry average.
1V's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.39 | ||
| EV/EBITDA | 23.44 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
1V has an outstanding profitability rating, which may justify a higher PE ratio.
1V's earnings are expected to grow with 12.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.09
PEG (5Y)1.6
EPS Next 2Y13.27%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
With a yearly dividend of 0.83%, 1V is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.54, 1V has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, 1V's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
5.2 History
The dividend of 1V is nicely growing with an annual growth rate of 13.82%!
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 2Y13.27%
EPS Next 3Y12.96%
BIT:1V (11/24/2025, 7:00:00 PM)
285.75
-4.85 (-1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.3%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap550.53B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target349.55 (22.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
Yearly Dividend2.07
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)2.23%
PT rev (3m)2.55%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0.96%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.69 | ||
| Fwd PE | 25.23 | ||
| P/S | 15.86 | ||
| P/FCF | 29.39 | ||
| P/OCF | 27.5 | ||
| P/B | 16.73 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.44 |
EPS(TTM)9.96
EY3.49%
EPS(NY)11.32
Fwd EY3.96%
FCF(TTM)9.72
FCFY3.4%
OCF(TTM)10.39
OCFY3.64%
SpS18.02
BVpS17.08
TBVpS-4.33
PEG (NY)2.09
PEG (5Y)1.6
Graham Number61.87
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 | 7.81 |
F-Score6
WACC8.44%
ROIC/WACC4.03
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 Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.26%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.64%
EBIT Next 3Y12.15%
EBIT Next 5Y11.5%
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.
Can you provide the valuation status for VISA INC-CLASS A SHARES?
ChartMill assigns a valuation rating of 3 / 10 to VISA INC-CLASS A SHARES (1V.MI). This can be considered as Overvalued.
How profitable is VISA INC-CLASS A SHARES (1V.MI) stock?
VISA INC-CLASS A SHARES (1V.MI) has a profitability rating of 9 / 10.
What is the financial health of VISA INC-CLASS A SHARES (1V.MI) stock?
The financial health rating of VISA INC-CLASS A SHARES (1V.MI) is 8 / 10.
Can you provide the dividend sustainability for 1V stock?
The dividend rating of VISA INC-CLASS A SHARES (1V.MI) is 3 / 10 and the dividend payout ratio is 23.34%.