VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - FRA:3V64 - US92826C8394 - Common Stock
276.85 EUR
-6.7 (-2.36%)
Taking everything into account, 3V64 scores 7 out of 10 in our fundamental rating. 3V64 was compared to 52 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. While showing a medium growth rate, 3V64 is valued expensive at the moment. 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.
In the past 5 years 3V64 has always been profitable.
3V64 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
3V64's Return On Assets of 19.93% is amongst the best of the industry. 3V64 outperforms 98.08% of its industry peers.
3V64 has a Return On Equity of 52.38%. This is amongst the best in the industry. 3V64 outperforms 96.15% of its industry peers.
The Return On Invested Capital of 3V64 (34.02%) is better than 98.08% of its industry peers.
3V64 had an Average Return On Invested Capital over the past 3 years of 30.07%. This is significantly above the industry average of 9.75%.
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
With an excellent Profit Margin value of 49.64%, 3V64 belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
3V64's Operating Margin of 66.39% is amongst the best of the industry. 3V64 outperforms 94.23% of its industry peers.
3V64's Operating Margin has been stable in the last couple of years.
3V64 has a Gross Margin of 80.36%. This is in the better half of the industry: 3V64 outperforms 76.92% 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
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 7.68. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 7.68, 3V64 belongs to the best of the industry, outperforming 88.46% of the companies in the same industry.
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.
The Debt to FCF ratio of 3V64 (1.17) is better than 82.69% 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 of 0.52. This is comparable to the rest of the industry: 3V64 outperforms 48.08% of its industry peers.
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 | 7.68 |
ROIC/WACC4.01
WACC8.49%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64 has a Current ratio of 1.08. This is in the lower half of the industry: 3V64 underperforms 61.54% of its industry peers.
A Quick Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
The Quick ratio of 3V64 (1.08) is comparable to the rest of the industry.
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.
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.
3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.34%.
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 13.62% on average over the next years. This is quite good.
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
A Price/Earnings ratio of 27.99 indicates a quite expensive valuation of 3V64.
3V64's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.51. 3V64 is around the same levels.
Based on the Price/Forward Earnings ratio of 24.60, the valuation of 3V64 can be described as rather expensive.
3V64's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of 3V64 to the average of the S&P500 Index (34.98), we can say 3V64 is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.99 | ||
| Fwd PE | 24.6 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 3V64 is on the same level as its industry peers.
3V64's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.66 | ||
| EV/EBITDA | 22.96 |
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.
A more expensive valuation may be justified as 3V64's earnings are expected to grow with 12.96% in the coming years.
PEG (NY)2.04
PEG (5Y)1.56
EPS Next 2Y13.27%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.80%, which is pretty low.
Compared to an average industry Dividend Yield of 3.37, 3V64 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
5.2 History
On average, the dividend of 3V64 grows each year by 13.82%, which is quite nice.
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.
3V64's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
FRA:3V64 (11/18/2025, 5:29:59 PM)
276.85
-6.7 (-2.36%)
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 Cap533.38B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target347.08 (25.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
Yearly Dividend2.05
Dividend Growth(5Y)13.82%
DP23.34%
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)1.65%
PT rev (3m)0.32%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0.96%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)1.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.99 | ||
| Fwd PE | 24.6 | ||
| P/S | 15.46 | ||
| P/FCF | 28.66 | ||
| P/OCF | 26.82 | ||
| P/B | 16.31 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.96 |
EPS(TTM)9.89
EY3.57%
EPS(NY)11.25
Fwd EY4.06%
FCF(TTM)9.66
FCFY3.49%
OCF(TTM)10.32
OCFY3.73%
SpS17.91
BVpS16.97
TBVpS-4.31
PEG (NY)2.04
PEG (5Y)1.56
Graham Number61.46
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 | 7.68 |
F-Score6
WACC8.49%
ROIC/WACC4.01
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 / 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.