VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
281.3 EUR
-4.6 (-1.61%)
Overall 1V gets a fundamental rating of 7 out of 10. We evaluated 1V against 57 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. While showing a medium growth rate, 1V is valued expensive at the moment. With these ratings, 1V could be worth investigating further 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.
In the past 5 years 1V has always been profitable.
In the past 5 years 1V always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 19.93%, 1V belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.
1V has a Return On Equity of 52.38%. This is amongst the best in the industry. 1V outperforms 92.98% of its industry peers.
Looking at the Return On Invested Capital, with a value of 34.02%, 1V belongs to the top of the industry, outperforming 94.74% 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 11.23%.
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 96.49% of its industry peers.
In the last couple of years the Profit Margin of 1V has remained more or less at the same level.
1V's Operating Margin of 66.39% is amongst the best of the industry. 1V outperforms 94.74% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
1V has a Gross Margin of 80.36%. This is in the better half of the industry: 1V outperforms 77.19% of its industry peers.
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.
The number of shares outstanding for 1V has been reduced compared to 5 years ago.
1V has a worse debt/assets ratio than last year.
2.2 Solvency
1V has an Altman-Z score of 7.67. This indicates that 1V is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.67, 1V belongs to the top of the industry, outperforming 85.96% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 1.17, 1V belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
1V has a Debt/Equity ratio of 0.52. This is a neutral value indicating 1V is somewhat dependend on debt financing.
The Debt to Equity ratio of 1V (0.52) is comparable to the rest of the industry.
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 | 7.67 |
ROIC/WACC3.98
WACC8.55%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.08, 1V is doing worse than 63.16% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.08, 1V is not doing good in the industry: 61.40% of the companies in the same industry are doing better.
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.
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 11.34%.
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)14.13%
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
Based on estimates for the next years, 1V will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.62% on average per year.
1V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.44% yearly.
EPS Next Y13.74%
EPS Next 2Y13.3%
EPS Next 3Y12.97%
EPS Next 5Y13.62%
Revenue Next Year11.47%
Revenue Next 2Y10.83%
Revenue Next 3Y10.44%
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
Based on the Price/Earnings ratio of 28.76, the valuation of 1V can be described as expensive.
1V's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.56, 1V is valued at the same level.
1V is valuated quite expensively with a Price/Forward Earnings ratio of 25.30.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1V is on the same level as its industry peers.
1V's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.76 | ||
| Fwd PE | 25.3 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.27 | ||
| EV/EBITDA | 22.9 |
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 12.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.09
PEG (5Y)1.6
EPS Next 2Y13.3%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.78%, which is pretty low.
1V's Dividend Yield is comparable with the industry average which is at 1.97.
With a Dividend Yield of 0.78, 1V pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
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.
1V's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.3%
EPS Next 3Y12.97%
BIT:1V (12/9/2025, 7:00:00 PM)
281.3
-4.6 (-1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.45%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap538.44B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target345.57 (22.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend2.03
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)0.1%
PT rev (3m)0.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.76 | ||
| Fwd PE | 25.3 | ||
| P/S | 15.79 | ||
| P/FCF | 29.27 | ||
| P/OCF | 27.39 | ||
| P/B | 16.66 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.9 |
EPS(TTM)9.78
EY3.48%
EPS(NY)11.12
Fwd EY3.95%
FCF(TTM)9.61
FCFY3.42%
OCF(TTM)10.27
OCFY3.65%
SpS17.81
BVpS16.88
TBVpS-4.28
PEG (NY)2.09
PEG (5Y)1.6
Graham Number60.95
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 | 7.67 |
F-Score6
WACC8.55%
ROIC/WACC3.98
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 2Y13.3%
EPS Next 3Y12.97%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.47%
Revenue Next 2Y10.83%
Revenue Next 3Y10.44%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.79%
EBIT Next 3Y11.96%
EBIT Next 5Y11.45%
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%.