VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
BIT:1V - Euronext Milan - US92826C8394 - Common Stock - Currency: EUR
We assign a fundamental rating of 7 out of 10 to 1V. 1V was compared to 50 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. With these ratings, 1V could be worth investigating further for 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.
In the past 5 years 1V always reported a positive cash flow from operatings.
1.2 Ratios
1V has a better Return On Assets (21.44%) than 92.00% of its industry peers.
Looking at the Return On Equity, with a value of 51.45%, 1V belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 31.95%, 1V belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
1V had an Average Return On Invested Capital over the past 3 years of 27.02%. This is significantly above the industry average of 11.19%.
The 3 year average ROIC (27.02%) for 1V is below the current ROIC(31.95%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.44% | ||
| ROE | 51.45% | ||
| ROIC | 31.95% |
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
Looking at the Profit Margin, with a value of 53.54%, 1V belongs to the top of the industry, outperforming 92.00% 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 has a Operating Margin of 66.22%. This is amongst the best in the industry. 1V outperforms 96.00% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
1V has a Gross Margin of 79.89%. This is in the better half of the industry: 1V outperforms 80.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.22% | ||
| PM (TTM) | 53.54% | ||
| GM | 79.89% |
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
1V has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, 1V has less shares outstanding
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 9.02. This indicates that 1V is financially healthy and has little risk of bankruptcy at the moment.
1V has a Altman-Z score of 9.02. This is amongst the best in the industry. 1V outperforms 88.00% of its industry peers.
1V has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
1V has a Debt to FCF ratio of 1.01. This is amongst the best in the industry. 1V outperforms 88.00% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that 1V is not too dependend on debt financing.
1V has a Debt to Equity ratio (0.44) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | 9.02 |
ROIC/WACC2.06
WACC15.51%
2.3 Liquidity
A Current Ratio of 1.12 indicates that 1V should not have too much problems paying its short term obligations.
1V has a Current ratio of 1.12. This is comparable to the rest of the industry: 1V outperforms 48.00% 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.
Looking at the Quick ratio, with a value of 1.12, 1V is in line with its industry, outperforming 54.00% of the companies in the same industry.
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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
1V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.57%, which is quite good.
Measured over the past years, 1V shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.02% on average per year.
The Revenue has grown by 10.35% in the past year. This is quite good.
Measured over the past years, 1V shows a quite strong growth in Revenue. The Revenue has been growing by 9.35% on average per year.
EPS 1Y (TTM)15.57%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%14.11%
Revenue 1Y (TTM)10.35%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%10.15%
3.2 Future
The Earnings Per Share is expected to grow by 13.53% 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 10.65% yearly.
EPS Next Y14.68%
EPS Next 2Y13.77%
EPS Next 3Y13.47%
EPS Next 5Y13.53%
Revenue Next Year10.37%
Revenue Next 2Y10.38%
Revenue Next 3Y10.91%
Revenue Next 5Y10.65%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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
1V is valuated quite expensively with a Price/Earnings ratio of 32.69.
1V's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.35, 1V is valued at the same level.
Based on the Price/Forward Earnings ratio of 26.10, the valuation of 1V can be described as expensive.
1V's Price/Forward Earnings ratio is in line with the industry average.
1V is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.69 | ||
| Fwd PE | 26.1 |
4.2 Price Multiples
1V's Enterprise Value to EBITDA is on the same level as the industry average.
1V's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.53 | ||
| EV/EBITDA | 26.25 |
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.
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 13.47% in the coming years.
PEG (NY)2.23
PEG (5Y)2.51
EPS Next 2Y13.77%
EPS Next 3Y13.47%
5. Dividend
5.1 Amount
With a yearly dividend of 0.69%, 1V is not a good candidate for dividend investing.
1V's Dividend Yield is comparable with the industry average which is at 3.76.
Compared to an average S&P500 Dividend Yield of 2.33, 1V's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
5.2 History
On average, the dividend of 1V grows each year by 15.24%, which is quite nice.
Dividend Growth(5Y)15.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1V pays out 21.96% 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.
DP21.96%
EPS Next 2Y13.77%
EPS Next 3Y13.47%
BIT:1V (3/7/2025, 7:00:00 PM)
312.8
-8.4 (-2.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners89.97%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap611.08B
Analysts81.7
Price Target364.32 (16.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
Yearly Dividend1.95
Dividend Growth(5Y)15.24%
DP21.96%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.14%
Min EPS beat(2)1.33%
Max EPS beat(2)2.94%
EPS beat(4)3
Avg EPS beat(4)0.85%
Min EPS beat(4)-1.88%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)1.2%
EPS beat(12)11
Avg EPS beat(12)2.94%
EPS beat(16)15
Avg EPS beat(16)3.57%
Revenue beat(2)0
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-0.67%
Max Revenue beat(2)-0.19%
Revenue beat(4)0
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)-0.19%
Revenue beat(8)1
Avg Revenue beat(8)-0.79%
Revenue beat(12)5
Avg Revenue beat(12)0%
Revenue beat(16)8
Avg Revenue beat(16)0.24%
PT rev (1m)9.87%
PT rev (3m)17.27%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)-0.24%
EPS NY rev (1m)1.04%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.16%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.69 | ||
| Fwd PE | 26.1 | ||
| P/S | 18.03 | ||
| P/FCF | 32.53 | ||
| P/OCF | 30.53 | ||
| P/B | 17.32 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.25 |
EPS(TTM)9.57
EY3.06%
EPS(NY)11.98
Fwd EY3.83%
FCF(TTM)9.62
FCFY3.07%
OCF(TTM)10.25
OCFY3.28%
SpS17.35
BVpS18.06
TBVpS-3.37
PEG (NY)2.23
PEG (5Y)2.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.44% | ||
| ROE | 51.45% | ||
| ROCE | 38.81% | ||
| ROIC | 31.95% | ||
| ROICexc | 41.4% | ||
| ROICexgc | 663.1% | ||
| OM | 66.22% | ||
| PM (TTM) | 53.54% | ||
| GM | 79.89% | ||
| FCFM | 55.42% |
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%
ROICexcg growth 3Y3.03%
ROICexcg 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-Score8
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 124.88% | ||
| Cap/Sales | 3.63% | ||
| Interest Coverage | 41.8 | ||
| Cash Conversion | 85.42% | ||
| Profit Quality | 103.51% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 9.02 |
F-Score8
WACC15.51%
ROIC/WACC2.06
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)15.57%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%14.11%
EPS Next Y14.68%
EPS Next 2Y13.77%
EPS Next 3Y13.47%
EPS Next 5Y13.53%
Revenue 1Y (TTM)10.35%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%10.15%
Revenue Next Year10.37%
Revenue Next 2Y10.38%
Revenue Next 3Y10.91%
Revenue Next 5Y10.65%
EBIT growth 1Y8.52%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.79%
EBIT Next 3Y12.19%
EBIT Next 5Y10.74%
FCF growth 1Y14.96%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y15.67%
OCF growth 3Y9.42%
OCF growth 5Y9.31%