VISA INC-CLASS A SHARES (1V.MI) Fundamental Analysis & Valuation

BIT:1V • US92826C8394

278.45 EUR
+1.75 (+0.63%)
Last: Mar 4, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This 1V.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

7

Taking everything into account, 1V scores 7 out of 10 in our fundamental rating. 1V was compared to 58 industry peers in the Financial Services industry. 1V gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, 1V is valued expensive at the moment. These ratings could make 1V a good candidate for quality investing.


Dividend Valuation Growth Profitability Health

9

1. 1V.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1V was profitable.
  • 1V had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1V has been profitable.
  • In the past 5 years 1V always reported a positive cash flow from operatings.
1V.MI Yearly Net Income VS EBIT VS OCF VS FCF1V.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • With an excellent Return On Assets value of 21.27%, 1V belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.
  • 1V has a better Return On Equity (53.11%) than 93.10% of its industry peers.
  • The Return On Invested Capital of 1V (35.11%) is better than 94.83% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1V is significantly above the industry average of 10.33%.
  • The 3 year average ROIC (30.07%) for 1V is below the current ROIC(35.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROIC 35.11%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
1V.MI Yearly ROA, ROE, ROIC1V.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • 1V has a Profit Margin of 49.75%. This is amongst the best in the industry. 1V outperforms 93.10% of its industry peers.
  • 1V's Profit Margin has been stable in the last couple of years.
  • With an excellent Operating Margin value of 66.98%, 1V belongs to the best of the industry, outperforming 93.10% of the companies in the same industry.
  • 1V's Operating Margin has been stable in the last couple of years.
  • 1V has a better Gross Margin (81.08%) than 77.59% of its industry peers.
  • In the last couple of years the Gross Margin of 1V has remained more or less at the same level.
Industry RankSector Rank
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
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%
1V.MI Yearly Profit, Operating, Gross Margins1V.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. 1V.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1V is creating value.
  • Compared to 1 year ago, 1V has less shares outstanding
  • The number of shares outstanding for 1V has been reduced compared to 5 years ago.
  • The debt/assets ratio for 1V is higher compared to a year ago.
1V.MI Yearly Shares Outstanding1V.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
1V.MI Yearly Total Debt VS Total Assets1V.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • An Altman-Z score of 7.99 indicates that 1V is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 7.99, 1V belongs to the best of the industry, outperforming 89.66% of the companies in the same industry.
  • 1V has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
  • The Debt to FCF ratio of 1V (0.92) is better than 87.93% of its industry peers.
  • 1V has a Debt/Equity ratio of 0.51. This is a neutral value indicating 1V is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.51, 1V perfoms like the industry average, outperforming 46.55% of the companies in the same industry.
  • Although 1V's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.99
ROIC/WACC4.14
WACC8.48%
1V.MI Yearly LT Debt VS Equity VS FCF1V.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 1V has a Current Ratio of 1.11. This is a normal value and indicates that 1V is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of 1V (1.11) is comparable to the rest of the industry.
  • 1V has a Quick Ratio of 1.11. This is a normal value and indicates that 1V is financially healthy and should not expect problems in meeting its short term obligations.
  • 1V has a Quick ratio (1.11) which is comparable to the rest of the industry.
  • 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 RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
1V.MI Yearly Current Assets VS Current Liabilites1V.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 1V.MI Growth Analysis

3.1 Past

  • 1V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, which is quite good.
  • The Earnings Per Share has been growing by 17.92% on average over the past years. This is quite good.
  • Looking at the last year, 1V shows a quite strong growth in Revenue. The Revenue has grown by 12.47% 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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%

3.2 Future

  • 1V is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.16% yearly.
  • The Revenue is expected to grow by 10.14% on average over the next years. This is quite good.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%

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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
1V.MI Yearly Revenue VS Estimates1V.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
1V.MI Yearly EPS VS Estimates1V.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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3

4. 1V.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 27.06, 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.
  • When comparing the Price/Earnings ratio of 1V to the average of the S&P500 Index (26.25), we can say 1V is valued inline with the index average.
  • With a Price/Forward Earnings ratio of 21.72, 1V is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Forward 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/Forward Earnings ratio to 24.39, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.06
Fwd PE 21.72
1V.MI Price Earnings VS Forward Price Earnings1V.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1V.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as 1V.
Industry RankSector Rank
P/FCF 26.75
EV/EBITDA 21.26
1V.MI Per share data1V.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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.
  • 1V's earnings are expected to grow with 13.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.91
PEG (5Y)1.51
EPS Next 2Y13.65%
EPS Next 3Y13.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. 1V.MI Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.84%, 1V is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.38, 1V has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1V's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.84%

5.2 History

  • The dividend of 1V is nicely growing with an annual growth rate of 13.85%!
Dividend Growth(5Y)13.85%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 23.10% of the earnings are spent on dividend by 1V. This is a low number and sustainable payout ratio.
  • The dividend of 1V is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
1V.MI Yearly Income VS Free CF VS Dividend1V.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
1V.MI Dividend Payout.1V.MI Dividend Payout, showing the Payout Ratio.1V.MI Dividend Payout.PayoutRetained Earnings

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1V.MI Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

BIT:1V (3/4/2026, 7:00:00 PM)

278.45

+1.75 (+0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap530.73B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.92
Price Target343.99 (23.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.84%
Yearly Dividend2.03
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.26%
Min EPS beat(2)-1.51%
Max EPS beat(2)-1.02%
EPS beat(4)2
Avg EPS beat(4)0.27%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)9
Avg EPS beat(12)0.89%
EPS beat(16)13
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.29%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)0%
PT rev (3m)-1.59%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 27.06
Fwd PE 21.72
P/S 14.82
P/FCF 26.75
P/OCF 25.09
P/B 15.81
P/tB N/A
EV/EBITDA 21.26
EPS(TTM)10.29
EY3.7%
EPS(NY)12.82
Fwd EY4.6%
FCF(TTM)10.41
FCFY3.74%
OCF(TTM)11.1
OCFY3.99%
SpS18.79
BVpS17.61
TBVpS-3.98
PEG (NY)1.91
PEG (5Y)1.51
Graham Number63.85
Profitability
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROCE 42.44%
ROIC 35.11%
ROICexc 46.88%
ROICexgc 1665.56%
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
FCFM 55.39%
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 Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Debt/EBITDA 0.68
Cap/Depr 119.86%
Cap/Sales 3.66%
Interest Coverage 47.23
Cash Conversion 84.32%
Profit Quality 111.33%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 7.99
F-Score6
WACC8.48%
ROIC/WACC4.14
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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.95%
EBIT Next 3Y12.02%
EBIT Next 5Y11.09%
FCF growth 1Y19.91%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y21.02%
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 9 / 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 23.1%.