VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - FRA:3V64 - US92826C8394 - Common Stock
285.25 EUR
-5.2 (-1.79%)
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 50 industry peers in the Financial Services industry. 3V64 has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. 3V64 is valied quite expensively at the moment, while it does show a decent growth rate. These ratings would make 3V64 suitable 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.
Each year in the past 5 years 3V64 has been profitable.
In the past 5 years 3V64 always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 19.98%, 3V64 belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
3V64 has a better Return On Equity (52.50%) than 96.00% of its industry peers.
3V64 has a better Return On Invested Capital (34.02%) than 98.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 9.72%.
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 | 19.98% | ||
| ROE | 52.5% | ||
| ROIC | 34.02% |
ROA(3y)19.83%
ROA(5y)18.22%
ROE(3y)48.83%
ROE(5y)43.91%
ROIC(3y)30.07%
ROIC(5y)26.99%
1.3 Margins
3V64 has a Profit Margin of 49.76%. This is amongst the best in the industry. 3V64 outperforms 94.00% 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 92.00% of its industry peers.
3V64's Operating Margin has been stable in the last couple of years.
With a decent Gross Margin value of 80.36%, 3V64 is doing good in the industry, outperforming 78.00% of the companies in the same industry.
3V64's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.39% | ||
| PM (TTM) | 49.76% | ||
| GM | 80.36% |
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y0.15%
PM growth 5Y0.9%
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.
3V64 has less shares outstanding than it did 1 year ago.
3V64 has less shares outstanding than it did 5 years ago.
3V64 has a worse debt/assets ratio than last year.
2.2 Solvency
3V64 has an Altman-Z score of 7.85. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
3V64's Altman-Z score of 7.85 is amongst the best of the industry. 3V64 outperforms 90.00% of its industry peers.
3V64 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.
3V64 has a Debt to FCF ratio of 1.17. This is amongst the best in the industry. 3V64 outperforms 82.00% 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.
3V64 has a Debt to Equity ratio (0.52) which is in line with its industry peers.
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 | 7.85 |
ROIC/WACC4
WACC8.51%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
The Current ratio of 3V64 (1.08) is worse than 64.00% of its industry peers.
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 worse Quick ratio (1.08) than 62.00% 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
3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.13%, which is quite good.
The Earnings Per Share has been growing by 17.92% on average over the past years. This is quite good.
Looking at the last year, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 11.34% in the last year.
3V64 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
3V64 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.62% yearly.
Based on estimates for the next years, 3V64 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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 28.90, 3V64 can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of 3V64 is on the same level as its industry peers.
3V64's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.89.
Based on the Price/Forward Earnings ratio of 25.41, the valuation of 3V64 can be described as expensive.
The rest of the industry has a similar Price/Forward Earnings ratio as 3V64.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, 3V64 is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.9 | ||
| Fwd PE | 25.41 |
4.2 Price Multiples
3V64's Enterprise Value to EBITDA is on the same level as the industry average.
3V64's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.59 | ||
| EV/EBITDA | 23.56 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
3V64 has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as 3V64's earnings are expected to grow with 12.96% in the coming years.
PEG (NY)2.1
PEG (5Y)1.61
EPS Next 2Y13.27%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
With a yearly dividend of 0.80%, 3V64 is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.41, 3V64 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
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
23.28% of the earnings are spent on dividend by 3V64. This is a low number and sustainable payout ratio.
3V64's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.28%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
FRA:3V64 (11/14/2025, 7:00:00 PM)
285.25
-5.2 (-1.79%)
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 Cap549.56B
Revenue(TTM)40.00B
Net Income(TTM)19.90B
Analysts81.7
Price Target347.08 (21.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
Yearly Dividend2.05
Dividend Growth(5Y)13.82%
DP23.28%
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)1.65%
PT rev (3m)2.18%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.58%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0.96%
Revenue NQ rev (3m)1%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)1.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.9 | ||
| Fwd PE | 25.41 | ||
| P/S | 15.96 | ||
| P/FCF | 29.59 | ||
| P/OCF | 27.69 | ||
| P/B | 16.84 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.56 |
EPS(TTM)9.87
EY3.46%
EPS(NY)11.23
Fwd EY3.94%
FCF(TTM)9.64
FCFY3.38%
OCF(TTM)10.3
OCFY3.61%
SpS17.87
BVpS16.93
TBVpS-4.3
PEG (NY)2.1
PEG (5Y)1.61
Graham Number61.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.98% | ||
| ROE | 52.5% | ||
| ROCE | 41.12% | ||
| ROIC | 34.02% | ||
| ROICexc | 48.2% | ||
| ROICexgc | N/A | ||
| OM | 66.39% | ||
| PM (TTM) | 49.76% | ||
| GM | 80.36% | ||
| FCFM | 53.94% |
ROA(3y)19.83%
ROA(5y)18.22%
ROE(3y)48.83%
ROE(5y)43.91%
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 3Y0.15%
PM growth 5Y0.9%
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 | 108.41% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 7.85 |
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)106.53%
Profit Quality(5y)112.55%
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 / 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.