VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
285.9 EUR
+2.75 (+0.97%)
1V gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 54 industry peers in the Financial Services industry. 1V has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. 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
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.
Each year in the past 5 years 1V had a positive operating cash flow.
1.2 Ratios
1V's Return On Assets of 19.93% is amongst the best of the industry. 1V outperforms 94.44% of its industry peers.
1V's Return On Equity of 52.38% is amongst the best of the industry. 1V outperforms 92.59% 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 94.44% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 1V is significantly above the industry average of 10.39%.
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
1V has a better Profit Margin (49.64%) than 94.44% of its industry peers.
1V's Profit Margin has been stable in the last couple of years.
1V has a Operating Margin of 66.39%. This is amongst the best in the industry. 1V outperforms 92.59% of its industry peers.
In the last couple of years the Operating Margin of 1V has remained more or less at the same level.
The Gross Margin of 1V (80.36%) is better than 75.93% 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 7.76. This indicates that 1V is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of 1V (7.76) is better than 88.89% of its industry peers.
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.
With an excellent Debt to FCF ratio value of 1.17, 1V belongs to the best of the industry, outperforming 81.48% 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.
Looking at the Debt to Equity ratio, with a value of 0.52, 1V is in line with its industry, outperforming 51.85% of the companies in the same 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 | 7.76 |
ROIC/WACC4
WACC8.51%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
1V's Current ratio of 1.08 is on the low side compared to the rest of the industry. 1V is outperformed by 62.96% of its industry peers.
1V has a Quick Ratio of 1.08. This is a normal value and indicates that 1V is financially healthy and should not expect problems in meeting its short term obligations.
1V has a Quick ratio of 1.08. This is in the lower half of the industry: 1V underperforms 61.11% of 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
1V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.13%, 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 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%.
1V shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.86% yearly.
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 13.62% on average over the next years. This is quite good.
Based on estimates for the next years, 1V will show a quite strong growth in Revenue. The Revenue will grow by 10.26% on average per year.
EPS Next Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
EPS Next 5Y13.62%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.26%
Revenue Next 5YN/A
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 29.03 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 26.49.
The Price/Forward Earnings ratio is 25.52, which means the current valuation is very expensive for 1V.
1V's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of 1V to the average of the S&P500 Index (23.69), we can say 1V is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.03 | ||
| Fwd PE | 25.52 |
4.2 Price Multiples
1V's Enterprise Value to EBITDA is on the same level as the industry average.
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 | 29.73 | ||
| EV/EBITDA | 23.25 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
1V has an outstanding profitability rating, which may justify a higher PE ratio.
1V's earnings are expected to grow with 12.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.11
PEG (5Y)1.62
EPS Next 2Y13.27%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.83%, which is pretty low.
1V's Dividend Yield is comparable with the industry average which is at 3.26.
Compared to an average S&P500 Dividend Yield of 2.31, 1V's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
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
1V pays out 23.34% 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.
DP23.34%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
BIT:1V (12/5/2025, 7:00:00 PM)
285.9
+2.75 (+0.97%)
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 Cap550.81B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target349.55 (22.26%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
Yearly Dividend2.07
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)2.23%
PT rev (3m)2.55%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0.96%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.03 | ||
| Fwd PE | 25.52 | ||
| P/S | 16.04 | ||
| P/FCF | 29.73 | ||
| P/OCF | 27.82 | ||
| P/B | 16.92 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.25 |
EPS(TTM)9.85
EY3.45%
EPS(NY)11.2
Fwd EY3.92%
FCF(TTM)9.62
FCFY3.36%
OCF(TTM)10.28
OCFY3.59%
SpS17.83
BVpS16.9
TBVpS-4.29
PEG (NY)2.11
PEG (5Y)1.62
Graham Number61.19
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 | 7.76 |
F-Score6
WACC8.51%
ROIC/WACC4
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 2Y13.27%
EPS Next 3Y12.96%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.26%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.64%
EBIT Next 3Y12.15%
EBIT Next 5Y11.5%
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%.