VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
277.5 EUR
-1.55 (-0.56%)
We assign a fundamental rating of 7 out of 10 to 3V64. 3V64 was compared to 60 industry peers in the Financial Services industry. 3V64 gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, 3V64 is valued expensive at the moment. This makes 3V64 very considerable for quality investing!
1. Profitability
1.1 Basic Checks
- In the past year 3V64 was profitable.
- 3V64 had a positive operating cash flow in the past year.
- Each year in the past 5 years 3V64 has been profitable.
- Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 19.93%, 3V64 belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
- With an excellent Return On Equity value of 52.38%, 3V64 belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 34.02%, 3V64 belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 10.51%.
- The last Return On Invested Capital (34.02%) for 3V64 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
- The Profit Margin of 3V64 (49.64%) is better than 95.00% of its industry peers.
- In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
- 3V64 has a Operating Margin of 66.39%. This is amongst the best in the industry. 3V64 outperforms 95.00% of its industry peers.
- In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
- 3V64's Gross Margin of 80.36% is fine compared to the rest of the industry. 3V64 outperforms 78.33% 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.
- 3V64 has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 7.62 indicates that 3V64 is not in any danger for bankruptcy at the moment.
- 3V64's Altman-Z score of 7.62 is amongst the best of the industry. 3V64 outperforms 86.67% 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's Debt to FCF ratio of 1.17 is amongst the best of the industry. 3V64 outperforms 86.67% of its industry peers.
- A Debt/Equity ratio of 0.52 indicates that 3V64 is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.52, 3V64 is in line with its industry, outperforming 55.00% of the companies in the same industry.
- Although 3V64 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 | 7.62 |
ROIC/WACC3.96
WACC8.6%
2.3 Liquidity
- 3V64 has a Current Ratio of 1.08. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 1.08, 3V64 is in line with its industry, outperforming 41.67% of the companies in the same industry.
- 3V64 has a Quick Ratio of 1.08. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
- 3V64 has a Quick ratio (1.08) which is in line with its industry peers.
- The current and quick ratio evaluation for 3V64 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.
- Measured over the past years, 3V64 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.92% on average per year.
- Looking at the last year, 3V64 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.
- 3V64 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.37% yearly.
EPS Next Y13.7%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
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
- Based on the Price/Earnings ratio of 28.37, the valuation of 3V64 can be described as expensive.
- 3V64's Price/Earnings is on the same level as the industry average.
- 3V64 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 24.96, the valuation of 3V64 can be described as rather expensive.
- 3V64's Price/Forward Earnings ratio is in line with the industry average.
- 3V64's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.37 | ||
| Fwd PE | 24.96 |
4.2 Price Multiples
- 3V64's Enterprise Value to EBITDA ratio is in line with the industry average.
- 3V64's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.87 | ||
| EV/EBITDA | 22.71 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 3V64 does not grow enough to justify the current Price/Earnings ratio.
- The excellent profitability rating of 3V64 may justify a higher PE ratio.
- 3V64's earnings are expected to grow with 12.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.07
PEG (5Y)1.58
EPS Next 2Y13.29%
EPS Next 3Y12.87%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.82%, 3V64 is not a good candidate for dividend investing.
- 3V64's Dividend Yield is comparable with the industry average which is at 1.95.
- Compared to an average S&P500 Dividend Yield of 1.83, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
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
- 3V64 pays out 23.34% of its income as dividend. This is a sustainable payout ratio.
- 3V64's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
FRA:3V64 (1/21/2026, 5:18:25 PM)
277.5
-1.55 (-0.56%)
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 Cap531.16B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts82.98
Price Target351.21 (26.56%)
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 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)1.77%
PT rev (3m)2.86%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)1.6%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)-0.39%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.37 | ||
| Fwd PE | 24.96 | ||
| P/S | 15.57 | ||
| P/FCF | 28.87 | ||
| P/OCF | 27.02 | ||
| P/B | 16.43 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.71 |
EPS(TTM)9.78
EY3.52%
EPS(NY)11.12
Fwd EY4.01%
FCF(TTM)9.61
FCFY3.46%
OCF(TTM)10.27
OCFY3.7%
SpS17.82
BVpS16.89
TBVpS-4.28
PEG (NY)2.07
PEG (5Y)1.58
Graham Number60.96
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 | 7.62 |
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 Y13.7%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
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 / 3V64.DE FAQ
What is the fundamental rating for 3V64 stock?
ChartMill assigns a fundamental rating of 7 / 10 to 3V64.DE.
What is the valuation status of VISA INC-CLASS A SHARES (3V64.DE) stock?
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.
How financially healthy is VISA INC-CLASS A SHARES?
The financial health rating of VISA INC-CLASS A SHARES (3V64.DE) is 9 / 10.
What is the expected EPS growth for VISA INC-CLASS A SHARES (3V64.DE) stock?
The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (3V64.DE) is expected to grow by 13.7% in the next year.