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

BIT:1V • US92826C8394

Current stock price

265.55 EUR
+4.75 (+1.82%)
Last:

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

9

1. 1V.MI Profitability Analysis

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.
  • 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 96.49% of the companies in the same industry.
  • With an excellent Return On Equity value of 53.11%, 1V belongs to the best of the industry, outperforming 94.74% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 35.11%, 1V belongs to the top of the industry, outperforming 96.49% of the companies in the same industry.
  • 1V had an Average Return On Invested Capital over the past 3 years of 30.07%. This is significantly above the industry average of 10.69%.
  • The last Return On Invested Capital (35.11%) for 1V is above the 3 year average (30.07%), which is a sign of increasing profitability.
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 94.74% of its industry peers.
  • 1V's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of 1V (66.98%) is better than 96.49% of its industry peers.
  • In the last couple of years the Operating Margin of 1V has remained more or less at the same level.
  • 1V has a Gross Margin of 81.08%. This is amongst the best in the industry. 1V outperforms 82.46% of its industry peers.
  • 1V's Gross Margin has been stable in the last couple of years.
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
  • Compared to 5 years ago, 1V has less shares outstanding
  • Compared to 1 year ago, 1V has a worse debt to assets ratio.
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 7.71 indicates that 1V is not in any danger for bankruptcy at the moment.
  • 1V has a better Altman-Z score (7.71) than 89.47% of its industry peers.
  • 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.
  • 1V's Debt to FCF ratio of 0.92 is amongst the best of the industry. 1V outperforms 89.47% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that 1V is somewhat dependend on debt financing.
  • The Debt to Equity ratio of 1V (0.51) is comparable to the rest of the industry.
  • Even though the debt/equity ratio score it not favorable for 1V, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.71
ROIC/WACC4.08
WACC8.6%
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.
  • 1V's Current ratio of 1.11 is in line compared to the rest of the industry. 1V outperforms 47.37% of its industry peers.
  • 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.
  • The Quick ratio of 1V (1.11) is comparable to the rest of the industry.
  • 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 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.
  • Measured over the past years, 1V shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.92% on average per year.
  • 1V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • 1V shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.86% yearly.
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

  • 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.
  • The Revenue is expected to grow by 10.14% on average over the next years. This is quite good.
EPS Next Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.89%
Revenue Next 2Y11.12%
Revenue Next 3Y10.71%
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

  • A Price/Earnings ratio of 26.34 indicates a quite expensive valuation of 1V.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1V is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.38. 1V is around the same levels.
  • Based on the Price/Forward Earnings ratio of 21.15, the valuation of 1V can be described as rather expensive.
  • 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 (38.20), we can say 1V is valued slightly cheaper.
Industry RankSector Rank
PE 26.34
Fwd PE 21.15
1V.MI Price Earnings VS Forward Price Earnings1V.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 26.03
EV/EBITDA 20.33
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.
  • The excellent profitability rating of 1V may justify a higher PE ratio.
  • A more expensive valuation may be justified as 1V's earnings are expected to grow with 13.13% in the coming years.
PEG (NY)1.84
PEG (5Y)1.47
EPS Next 2Y13.61%
EPS Next 3Y13.13%

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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 0.91%, 1V is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.34, 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 0.91%

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

  • 1V pays out 23.10% 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.
DP23.1%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
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 (4/15/2026, 7:00:00 PM)

265.55

+4.75 (+1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners90.48%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap506.14B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.04
Price Target352.06 (32.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
Yearly Dividend2.07
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)2.35%
PT rev (3m)2.87%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 26.34
Fwd PE 21.15
P/S 14.42
P/FCF 26.03
P/OCF 24.42
P/B 15.39
P/tB N/A
EV/EBITDA 20.33
EPS(TTM)10.08
EY3.8%
EPS(NY)12.55
Fwd EY4.73%
FCF(TTM)10.2
FCFY3.84%
OCF(TTM)10.87
OCFY4.1%
SpS18.41
BVpS17.25
TBVpS-3.9
PEG (NY)1.84
PEG (5Y)1.47
Graham Number62.5509 (-76.44%)
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 7.71
F-Score6
WACC8.6%
ROIC/WACC4.08
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 Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.89%
Revenue Next 2Y11.12%
Revenue Next 3Y10.71%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.27%
EBIT Next 3Y12.37%
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 Fundamental Analysis 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.


Can you provide the profitability details for VISA INC-CLASS A SHARES?

VISA INC-CLASS A SHARES (1V.MI) has a profitability rating of 9 / 10.


How financially healthy is VISA INC-CLASS A SHARES?

The financial health rating of VISA INC-CLASS A SHARES (1V.MI) is 9 / 10.


What is the earnings growth outlook for VISA INC-CLASS A SHARES?

The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (1V.MI) is expected to grow by 14.31% in the next year.