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

BIT:1V • US92826C8394

Current stock price

261.65 EUR
-6.2 (-2.31%)
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 94.83% of the companies in the same industry.
  • The Return On Equity of 1V (53.11%) is better 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.
  • 1V had an Average Return On Invested Capital over the past 3 years of 30.07%. This is significantly above the industry average of 9.93%.
  • 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

  • With an excellent Profit Margin value of 49.75%, 1V belongs to the best of the industry, outperforming 93.10% of the companies in the same industry.
  • 1V's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 66.98%, 1V belongs to the top 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

  • 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.
  • 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 89.66% 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.
  • The Debt to FCF ratio of 1V (0.92) is better than 87.93% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that 1V is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.51, 1V perfoms like the industry average, outperforming 50.00% 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 7.71
ROIC/WACC4.09
WACC8.59%
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

  • A Current Ratio of 1.11 indicates that 1V should not have too much problems paying its short term obligations.
  • 1V has a Current ratio (1.11) which is in line with 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

  • The Earnings Per Share has grown by an nice 14.44% 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.
  • 1V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • Measured over the past years, 1V shows a quite strong growth in Revenue. The Revenue has been growing by 12.86% on average per year.
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.
  • 1V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.14% yearly.
EPS Next Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.88%
Revenue Next 2Y11.07%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%

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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

  • 1V is valuated quite expensively with a Price/Earnings ratio of 25.28.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1V is on the same level as its industry peers.
  • 1V's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.23.
  • A Price/Forward Earnings ratio of 20.31 indicates a rather expensive valuation of 1V.
  • 1V's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.28. 1V is around the same levels.
Industry RankSector Rank
PE 25.28
Fwd PE 20.31
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

  • 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 RankSector Rank
P/FCF 24.99
EV/EBITDA 20.34
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 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)1.77
PEG (5Y)1.41
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

  • 1V has a yearly dividend return of 0.87%, which is pretty low.
  • 1V's Dividend Yield is comparable with the industry average which is at 2.51.
  • Compared to an average S&P500 Dividend Yield of 1.91, 1V's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.87%

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 (3/20/2026, 7:00:00 PM)

261.65

-6.2 (-2.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.48%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap498.71B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.75
Price Target352.06 (34.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
Yearly Dividend2.08
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)1.88%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)0.76%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.5%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 25.28
Fwd PE 20.31
P/S 13.84
P/FCF 24.99
P/OCF 23.44
P/B 14.78
P/tB N/A
EV/EBITDA 20.34
EPS(TTM)10.35
EY3.96%
EPS(NY)12.89
Fwd EY4.92%
FCF(TTM)10.47
FCFY4%
OCF(TTM)11.16
OCFY4.27%
SpS18.9
BVpS17.71
TBVpS-4.01
PEG (NY)1.77
PEG (5Y)1.41
Graham Number64.22
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
WACC8.59%
ROIC/WACC4.09
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 Year11.88%
Revenue Next 2Y11.07%
Revenue Next 3Y10.7%
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.


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%.