VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
282.8 EUR
-1.75 (-0.62%)
1V gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 60 industry peers in the Financial Services industry. 1V gets an excellent profitability rating and is at the same time showing great financial health properties. 1V is valied quite expensively at the moment, while it does show a decent growth rate. 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.
- 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
- 1V has a Return On Assets of 19.93%. This is amongst the best in the industry. 1V outperforms 98.28% of its industry peers.
- 1V's Return On Equity of 52.38% is amongst the best of the industry. 1V outperforms 96.55% of its industry peers.
- 1V has a better Return On Invested Capital (34.02%) than 98.28% 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 10.51%.
- The 3 year average ROIC (30.07%) for 1V is below the current ROIC(34.02%), indicating increased profibility in the last year.
| 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
- With an excellent Profit Margin value of 49.64%, 1V belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.
- 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 94.83% of its industry peers.
- In the last couple of years the Operating Margin of 1V has remained more or less at the same level.
- Looking at the Gross Margin, with a value of 80.36%, 1V belongs to the top 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
- 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
- The debt/assets ratio for 1V is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 7.64 indicates that 1V is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 7.64, 1V belongs to the best of the industry, outperforming 87.93% 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.
- The Debt to FCF ratio of 1V (1.17) is better than 86.21% of its industry peers.
- 1V has a Debt/Equity ratio of 0.52. This is a neutral value indicating 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.
- 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 | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 7.64 |
ROIC/WACC3.96
WACC8.6%
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 in line with its industry, outperforming 41.38% 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.
- 1V has a Quick ratio (1.08) which is in line with its industry peers.
- 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.
- 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.
- The Revenue has been growing by 12.86% on average over the past years. This is quite good.
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.
- 1V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.37% yearly.
EPS Next Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.16%
Revenue Next Year11.46%
Revenue Next 2Y10.82%
Revenue Next 3Y10.37%
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
- A Price/Earnings ratio of 28.65 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.
- 1V's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.38.
- The Price/Forward Earnings ratio is 25.20, which means the current valuation is very expensive for 1V.
- 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 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.65 | ||
| Fwd PE | 25.2 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1V.
- 1V's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.14 | ||
| EV/EBITDA | 22.8 |
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 12.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.1
PEG (5Y)1.6
EPS Next 2Y13.26%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.82%, 1V is not a good candidate for dividend investing.
- 1V's Dividend Yield is comparable with the industry average which is at 1.95.
- With a Dividend Yield of 0.82, 1V pays less dividend than the S&P500 average, which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
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.
- The dividend of 1V is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
BIT:1V (1/16/2026, 7:00:00 PM)
282.8
-1.75 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap541.31B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts82.98
Price Target351.03 (24.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
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)1.58%
PT rev (3m)2.67%
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)0.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.65 | ||
| Fwd PE | 25.2 | ||
| P/S | 15.72 | ||
| P/FCF | 29.14 | ||
| P/OCF | 27.27 | ||
| P/B | 16.59 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.8 |
EPS(TTM)9.87
EY3.49%
EPS(NY)11.22
Fwd EY3.97%
FCF(TTM)9.7
FCFY3.43%
OCF(TTM)10.37
OCFY3.67%
SpS17.99
BVpS17.05
TBVpS-4.32
PEG (NY)2.1
PEG (5Y)1.6
Graham Number61.53
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 | 7.64 |
F-Score6
WACC8.6%
ROIC/WACC3.96
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 Year11.46%
Revenue Next 2Y10.82%
Revenue Next 3Y10.37%
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%.