VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
300.7 EUR
+0.3 (+0.1%)
3V64 gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making 3V64 a very profitable company, without any liquidiy or solvency issues. 3V64 is valied quite expensively at the moment, while it does show a decent growth rate. These ratings could make 3V64 a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
3V64 had positive earnings in the past year.
In the past year 3V64 had a positive cash flow from operations.
3V64 had positive earnings in each of the past 5 years.
Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
The Return On Assets of 3V64 (19.93%) is better than 94.92% of its industry peers.
3V64's Return On Equity of 52.38% is amongst the best of the industry. 3V64 outperforms 93.22% of its industry peers.
3V64's Return On Invested Capital of 34.02% is amongst the best of the industry. 3V64 outperforms 94.92% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 3V64 is significantly above the industry average of 9.75%.
The 3 year average ROIC (30.07%) for 3V64 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
3V64 has a better Profit Margin (49.64%) than 94.92% of its industry peers.
In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
Looking at the Operating Margin, with a value of 66.39%, 3V64 belongs to the top of the industry, outperforming 93.22% of the companies in the same industry.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
The Gross Margin of 3V64 (80.36%) is better than 77.97% of its industry peers.
3V64'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), 3V64 is creating value.
Compared to 1 year ago, 3V64 has less shares outstanding
The number of shares outstanding for 3V64 has been reduced compared to 5 years ago.
The debt/assets ratio for 3V64 is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 8.12 indicates that 3V64 is not in any danger for bankruptcy at the moment.
The Altman-Z score of 3V64 (8.12) is better than 89.83% of its industry peers.
The Debt to FCF ratio of 3V64 is 1.17, which is an excellent value as it means it would take 3V64, only 1.17 years of fcf income to pay off all of its debts.
3V64 has a Debt to FCF ratio of 1.17. This is amongst the best in the industry. 3V64 outperforms 83.05% of its industry peers.
3V64 has a Debt/Equity ratio of 0.52. This is a neutral value indicating 3V64 is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.52, 3V64 perfoms like the industry average, outperforming 52.54% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for 3V64, 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 | 8.12 |
ROIC/WACC3.97
WACC8.56%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
With a Current ratio value of 1.08, 3V64 is not doing good in the industry: 61.02% of the companies in the same industry are doing better.
A Quick Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64's Quick ratio of 1.08 is in line compared to the rest of the industry. 3V64 outperforms 40.68% of its industry peers.
3V64 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 | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.13% over the past year.
3V64 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, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 11.34% in the last year.
Measured over the past years, 3V64 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
The Earnings Per Share is expected to grow by 13.62% on average over the next years. This is quite good.
The Revenue is expected to grow by 10.44% on average over the next years. This is quite good.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 30.90, 3V64 can be considered very expensive at the moment.
3V64's Price/Earnings ratio is in line with the industry average.
3V64's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.59.
3V64 is valuated quite expensively with a Price/Forward Earnings ratio of 27.17.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 3V64 is on the same level as its industry peers.
3V64 is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.9 | ||
| Fwd PE | 27.17 |
4.2 Price Multiples
3V64'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 3V64 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.44 | ||
| EV/EBITDA | 24.58 |
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 3V64 may justify a higher PE ratio.
A more expensive valuation may be justified as 3V64's earnings are expected to grow with 12.97% in the coming years.
PEG (NY)2.25
PEG (5Y)1.72
EPS Next 2Y13.3%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.78%, which is pretty low.
3V64's Dividend Yield is comparable with the industry average which is at 2.01.
Compared to an average S&P500 Dividend Yield of 1.87, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
5.2 History
The dividend of 3V64 is nicely growing with an annual growth rate of 13.82%!
Dividend Growth(5Y)13.82%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
23.34% of the earnings are spent on dividend by 3V64. This is a low number and sustainable payout ratio.
The dividend of 3V64 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.3%
EPS Next 3Y12.97%
FRA:3V64 (12/23/2025, 7:00:00 PM)
300.7
+0.3 (+0.1%)
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 Cap575.57B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target345.08 (14.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend2.04
Dividend Growth(5Y)13.82%
DP23.34%
Div Incr Years6
Div Non Decr Years6
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)-0.58%
PT rev (3m)1.96%
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)-0.02%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.9 | ||
| Fwd PE | 27.17 | ||
| P/S | 16.96 | ||
| P/FCF | 31.44 | ||
| P/OCF | 29.42 | ||
| P/B | 17.89 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.58 |
EPS(TTM)9.73
EY3.24%
EPS(NY)11.07
Fwd EY3.68%
FCF(TTM)9.56
FCFY3.18%
OCF(TTM)10.22
OCFY3.4%
SpS17.73
BVpS16.8
TBVpS-4.26
PEG (NY)2.25
PEG (5Y)1.72
Graham Number60.65
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 | 8.12 |
F-Score6
WACC8.56%
ROIC/WACC3.97
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 / 3V64.DE FAQ
What is the fundamental rating for 3V64 stock?
ChartMill assigns a fundamental rating of 7 / 10 to 3V64.DE.
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 (3V64.DE). This can be considered as Overvalued.
How profitable is VISA INC-CLASS A SHARES (3V64.DE) stock?
VISA INC-CLASS A SHARES (3V64.DE) has a profitability rating of 9 / 10.
Can you provide the financial health for 3V64 stock?
The financial health rating of VISA INC-CLASS A SHARES (3V64.DE) is 8 / 10.
Can you provide the expected EPS growth for 3V64 stock?
The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (3V64.DE) is expected to grow by 13.74% in the next year.