VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
295.75 EUR
-8.05 (-2.65%)
Overall 1V gets a fundamental rating of 7 out of 10. We evaluated 1V against 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 would make 1V suitable 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.
1V had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
1V's Return On Assets of 19.93% is amongst the best of the industry. 1V outperforms 98.28% of its industry peers.
With an excellent Return On Equity value of 52.38%, 1V belongs to the best of the industry, outperforming 96.55% of the companies in the same industry.
1V has a Return On Invested Capital of 34.02%. This is amongst the best in the industry. 1V outperforms 98.28% 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 8.80%.
The last Return On Invested Capital (34.02%) for 1V is above the 3 year average (30.07%), which is a sign of increasing profitability.
| 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 94.83% of its industry peers.
1V's Profit Margin has been stable in the last couple of years.
1V has a better Operating Margin (66.39%) than 94.83% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 80.36%, 1V belongs to the best of the industry, outperforming 81.03% of the companies in the same industry.
In the last couple of years the Gross Margin of 1V has remained more or less at the same level.
| 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
1V has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
1V has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1V has been reduced compared to 5 years ago.
Compared to 1 year ago, 1V has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 7.96 indicates that 1V is not in any danger for bankruptcy at the moment.
The Altman-Z score of 1V (7.96) is better than 87.93% 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.
With an excellent Debt to FCF ratio value of 1.17, 1V belongs to the best of the industry, outperforming 86.21% of the companies in the same industry.
A Debt/Equity ratio of 0.52 indicates that 1V is somewhat dependend on debt financing.
1V has a Debt to Equity ratio of 0.52. This is comparable to the rest of the industry: 1V outperforms 51.72% 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 | 7.96 |
ROIC/WACC3.97
WACC8.56%
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.
The Current ratio of 1V (1.08) is comparable to the rest of the industry.
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.
1V has a Quick ratio of 1.08. This is comparable to the rest of the industry: 1V outperforms 41.38% of 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
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.
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)14.13%
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 13.16% on average over the next years. This is quite good.
Based on estimates for the next years, 1V will show a quite strong growth in Revenue. The Revenue will grow by 10.38% on average per year.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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 30.15, 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 (27.25), we can say 1V is valued inline with the index average.
With a Price/Forward Earnings ratio of 26.52, 1V can be considered very expensive at the moment.
1V's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.98. 1V is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.15 | ||
| Fwd PE | 26.52 |
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 | 30.68 | ||
| EV/EBITDA | 23.99 |
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.
A more expensive valuation may be justified as 1V's earnings are expected to grow with 12.92% in the coming years.
PEG (NY)2.21
PEG (5Y)1.68
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.
Compared to an average industry Dividend Yield of 1.97, 1V has a dividend in line with its industry peers.
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
23.34% of the earnings are spent on dividend by 1V. This is a low number and sustainable payout ratio.
1V's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
BIT:1V (1/12/2026, 7:00:00 PM)
295.75
-8.05 (-2.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap566.10B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts82.98
Price Target342.24 (15.72%)
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 | 30.15 | ||
| Fwd PE | 26.52 | ||
| P/S | 16.55 | ||
| P/FCF | 30.68 | ||
| P/OCF | 28.7 | ||
| P/B | 17.46 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.99 |
EPS(TTM)9.81
EY3.32%
EPS(NY)11.15
Fwd EY3.77%
FCF(TTM)9.64
FCFY3.26%
OCF(TTM)10.3
OCFY3.48%
SpS17.87
BVpS16.94
TBVpS-4.3
PEG (NY)2.21
PEG (5Y)1.68
Graham Number61.15
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 | 7.96 |
F-Score6
WACC8.56%
ROIC/WACC3.97
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%.