VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - BIT:1V - US92826C8394 - Common Stock
298.9 EUR
-4 (-1.32%)
Overall 1V gets a fundamental rating of 7 out of 10. We evaluated 1V against 50 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. 1V shows excellent growth, but is valued quite expensive already. These ratings would make 1V suitable for growth and quality investing!
1. Profitability
1.1 Basic Checks
1V had positive earnings in the past year.
In the past year 1V had a positive cash flow from operations.
In the past 5 years 1V has always been profitable.
1V had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of 1V (20.06%) is better than 96.15% of its industry peers.
Looking at the Return On Equity, with a value of 51.89%, 1V belongs to the top of the industry, outperforming 94.23% of the companies in the same industry.
The Return On Invested Capital of 1V (32.46%) is better than 96.15% 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 8.73%.
The last Return On Invested Capital (32.46%) for 1V is above the 3 year average (27.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 20.06% | ||
| ROE | 51.89% | ||
| ROIC | 32.46% |
ROA(3y)18.82%
ROA(5y)16.78%
ROE(3y)44.9%
ROE(5y)39.11%
ROIC(3y)27.02%
ROIC(5y)23.58%
1.3 Margins
1V has a Profit Margin of 51.58%. This is amongst the best in the industry. 1V outperforms 94.23% 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 66.50% is amongst the best of the industry. 1V outperforms 92.31% 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 better Gross Margin (80.23%) than 75.00% of its industry peers.
1V's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.5% | ||
| PM (TTM) | 51.58% | ||
| GM | 80.23% |
OM growth 3Y0.7%
OM growth 5Y-0.02%
PM growth 3Y2.83%
PM growth 5Y1.33%
GM growth 3Y0.43%
GM growth 5Y-0.36%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1V is creating value.
The number of shares outstanding for 1V has been reduced compared to 1 year ago.
The number of shares outstanding for 1V has been reduced compared to 5 years ago.
The debt/assets ratio for 1V has been reduced compared to a year ago.
2.2 Solvency
1V has an Altman-Z score of 8.08. This indicates that 1V is financially healthy and has little risk of bankruptcy at the moment.
1V has a Altman-Z score of 8.08. This is amongst the best in the industry. 1V outperforms 92.31% of its industry peers.
The Debt to FCF ratio of 1V is 1.14, which is an excellent value as it means it would take 1V, only 1.14 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.14, 1V belongs to the best of the industry, outperforming 82.69% of the companies in the same industry.
A Debt/Equity ratio of 0.51 indicates that 1V is somewhat dependend on debt financing.
1V has a Debt to Equity ratio (0.51) which 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | 8.08 |
ROIC/WACC3.85
WACC8.44%
2.3 Liquidity
1V has a Current Ratio of 1.12. 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 1.12 is on the low side compared to the rest of the industry. 1V is outperformed by 63.46% of its industry peers.
1V has a Quick Ratio of 1.12. 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 Quick ratio of 1.12 is on the low side compared to the rest of the industry. 1V is outperformed by 61.54% 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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.82% over the past year.
The Earnings Per Share has been growing by 13.02% on average over the past years. This is quite good.
1V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.38%.
1V shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.35% yearly.
EPS 1Y (TTM)15.82%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%23.14%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
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 13.72% on average per year.
Based on estimates for the next years, 1V will show a quite strong growth in Revenue. The Revenue will grow by 12.13% on average per year.
EPS Next Y16.08%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
EPS Next 5Y13.72%
Revenue Next Year11.12%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y12.13%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 31.17, the valuation of 1V can be described as expensive.
1V's Price/Earnings ratio is in line with the industry average.
1V's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.91.
Based on the Price/Forward Earnings ratio of 26.67, the valuation of 1V can be described as expensive.
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 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.17 | ||
| Fwd PE | 26.67 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1V.
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 | 30.46 | ||
| EV/EBITDA | 24.97 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of 1V may justify a higher PE ratio.
1V's earnings are expected to grow with 13.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.94
PEG (5Y)2.39
EPS Next 2Y14.14%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
With a yearly dividend of 0.70%, 1V is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.62, 1V has a dividend in line with its industry peers.
With a Dividend Yield of 0.70, 1V pays less dividend than the S&P500 average, which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
5.2 History
The dividend of 1V is nicely growing with an annual growth rate of 15.24%!
Dividend Growth(5Y)15.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1V pays out 22.58% 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.
DP22.58%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
BIT:1V (10/22/2025, 7:00:00 PM)
298.9
-4 (-1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.3%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap575.86B
Revenue(TTM)38.89B
Net Income(TTM)20.06B
Analysts80.89
Price Target341.91 (14.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
Yearly Dividend1.81
Dividend Growth(5Y)15.24%
DP22.58%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.8%
Min EPS beat(2)0.92%
Max EPS beat(2)2.69%
EPS beat(4)4
Avg EPS beat(4)1.97%
Min EPS beat(4)0.92%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)1.24%
EPS beat(12)11
Avg EPS beat(12)1.75%
EPS beat(16)15
Avg EPS beat(16)2.88%
Revenue beat(2)1
Avg Revenue beat(2)-0.09%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.72%
Revenue beat(12)4
Avg Revenue beat(12)-0.36%
Revenue beat(16)7
Avg Revenue beat(16)0.01%
PT rev (1m)-0.13%
PT rev (3m)-2.67%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-1.22%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.17 | ||
| Fwd PE | 26.67 | ||
| P/S | 17.3 | ||
| P/FCF | 30.46 | ||
| P/OCF | 28.64 | ||
| P/B | 17.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.97 |
EPS(TTM)9.59
EY3.21%
EPS(NY)11.21
Fwd EY3.75%
FCF(TTM)9.81
FCFY3.28%
OCF(TTM)10.44
OCFY3.49%
SpS17.28
BVpS17.18
TBVpS-3.94
PEG (NY)1.94
PEG (5Y)2.39
Graham Number60.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 20.06% | ||
| ROE | 51.89% | ||
| ROCE | 39.43% | ||
| ROIC | 32.46% | ||
| ROICexc | 45.87% | ||
| ROICexgc | N/A | ||
| OM | 66.5% | ||
| PM (TTM) | 51.58% | ||
| GM | 80.23% | ||
| FCFM | 56.78% |
ROA(3y)18.82%
ROA(5y)16.78%
ROE(3y)44.9%
ROE(5y)39.11%
ROIC(3y)27.02%
ROIC(5y)23.58%
ROICexc(3y)36.97%
ROICexc(5y)32.54%
ROICexgc(3y)449.64%
ROICexgc(5y)409.16%
ROCE(3y)32.82%
ROCE(5y)28.64%
ROICexgc growth 3Y3.03%
ROICexgc growth 5Y0.77%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.85%
OM growth 3Y0.7%
OM growth 5Y-0.02%
PM growth 3Y2.83%
PM growth 5Y1.33%
GM growth 3Y0.43%
GM growth 5Y-0.36%
F-Score7
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Debt/EBITDA | 0.72 | ||
| Cap/Depr | 119.02% | ||
| Cap/Sales | 3.6% | ||
| Interest Coverage | 43.99 | ||
| Cash Conversion | 86.85% | ||
| Profit Quality | 110.08% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 8.08 |
F-Score7
WACC8.44%
ROIC/WACC3.85
Cap/Depr(3y)115.51%
Cap/Depr(5y)106.03%
Cap/Sales(3y)3.35%
Cap/Sales(5y)3.27%
Profit Quality(3y)111.41%
Profit Quality(5y)109.56%
High Growth Momentum
Growth
EPS 1Y (TTM)15.82%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%23.14%
EPS Next Y16.08%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year11.12%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y12.13%
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.96%
EBIT Next 3Y12.56%
EBIT Next 5Y11.53%
FCF growth 1Y18.38%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y19.19%
OCF growth 3Y9.42%
OCF growth 5Y9.31%
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 9 / 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 22.58%.