VISA INC-CLASS A SHARES (3V64.DE) Fundamental Analysis & Valuation

FRA:3V64 • US92826C8394

276.325 EUR
-1.87 (-0.67%)
Last: Mar 5, 2026, 01:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This 3V64.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

7

Taking everything into account, 3V64 scores 7 out of 10 in our fundamental rating. 3V64 was compared to 55 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. While showing a medium growth rate, 3V64 is valued expensive at the moment. With these ratings, 3V64 could be worth investigating further for quality investing!.


Dividend Valuation Growth Profitability Health

9

1. 3V64.DE Profitability Analysis

1.1 Basic Checks

  • In the past year 3V64 was profitable.
  • 3V64 had a positive operating cash flow in the past year.
  • In the past 5 years 3V64 has always been profitable.
  • Each year in the past 5 years 3V64 had a positive operating cash flow.
3V64.DE Yearly Net Income VS EBIT VS OCF VS FCF3V64.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • 3V64 has a better Return On Assets (21.27%) than 98.18% of its industry peers.
  • With an excellent Return On Equity value of 53.11%, 3V64 belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 35.11%, 3V64 belongs to the best of the industry, outperforming 98.18% 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 8.26%.
  • The 3 year average ROIC (30.07%) for 3V64 is below the current ROIC(35.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROIC 35.11%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
3V64.DE Yearly ROA, ROE, ROIC3V64.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • 3V64 has a better Profit Margin (49.75%) than 92.73% of its industry peers.
  • In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
  • The Operating Margin of 3V64 (66.98%) is better than 94.55% of its industry peers.
  • In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
  • Looking at the Gross Margin, with a value of 81.08%, 3V64 is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
  • In the last couple of years the Gross Margin of 3V64 has remained more or less at the same level.
Industry RankSector Rank
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
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%
3V64.DE Yearly Profit, Operating, Gross Margins3V64.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. 3V64.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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.
3V64.DE Yearly Shares Outstanding3V64.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
3V64.DE Yearly Total Debt VS Total Assets3V64.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • 3V64 has an Altman-Z score of 8.03. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
  • 3V64 has a better Altman-Z score (8.03) than 90.91% of its industry peers.
  • 3V64 has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
  • 3V64 has a better Debt to FCF ratio (0.92) than 90.91% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that 3V64 is somewhat dependend on debt financing.
  • 3V64's Debt to Equity ratio of 0.51 is in line compared to the rest of the industry. 3V64 outperforms 47.27% of 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 8.03
ROIC/WACC4.16
WACC8.43%
3V64.DE Yearly LT Debt VS Equity VS FCF3V64.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 3V64 has a Current Ratio of 1.11. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
  • 3V64's Current ratio of 1.11 is in line compared to the rest of the industry. 3V64 outperforms 43.64% of its industry peers.
  • 3V64 has a Quick Ratio of 1.11. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
  • 3V64's Quick ratio of 1.11 is in line compared to the rest of the industry. 3V64 outperforms 43.64% 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 RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
3V64.DE Yearly Current Assets VS Current Liabilites3V64.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 3V64.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 14.44% 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.
  • 3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • 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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.14% on average over the next years. This is quite good.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%

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.
3V64.DE Yearly Revenue VS Estimates3V64.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
3V64.DE Yearly EPS VS Estimates3V64.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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Find the best growth stocksShow best growing peers

3

4. 3V64.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 27.06, which means the current valuation is very expensive for 3V64.
  • Compared to the rest of the industry, the Price/Earnings ratio of 3V64 is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of 3V64 to the average of the S&P500 Index (27.03), we can say 3V64 is valued inline with the index average.
  • A Price/Forward Earnings ratio of 21.73 indicates a rather expensive valuation of 3V64.
  • 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 25.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.06
Fwd PE 21.73
3V64.DE Price Earnings VS Forward Price Earnings3V64.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 26.76
EV/EBITDA 21.42
3V64.DE Per share data3V64.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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 13.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.91
PEG (5Y)1.51
EPS Next 2Y13.65%
EPS Next 3Y13.19%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. 3V64.DE Dividend Analysis

5.1 Amount

  • 3V64 has a yearly dividend return of 0.86%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.26, 3V64 has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, 3V64's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.86%

5.2 History

  • On average, the dividend of 3V64 grows each year by 13.85%, which is quite nice.
Dividend Growth(5Y)13.85%
Div Incr Years6
Div Non Decr Years6
3V64.DE Yearly Dividends per share3V64.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 3V64 pays out 23.10% 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.
DP23.1%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
3V64.DE Yearly Income VS Free CF VS Dividend3V64.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
3V64.DE Dividend Payout.3V64.DE Dividend Payout, showing the Payout Ratio.3V64.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

3V64.DE Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

FRA:3V64 (3/5/2026, 1:14:30 PM)

276.325

-1.87 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap526.68B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.92
Price Target352.13 (27.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.86%
Yearly Dividend2.02
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.26%
Min EPS beat(2)-1.51%
Max EPS beat(2)-1.02%
EPS beat(4)2
Avg EPS beat(4)0.27%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)9
Avg EPS beat(12)0.89%
EPS beat(16)13
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.29%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)0.26%
PT rev (3m)0.91%
EPS NQ rev (1m)0.81%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)0.41%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 27.06
Fwd PE 21.73
P/S 14.82
P/FCF 26.76
P/OCF 25.1
P/B 15.82
P/tB N/A
EV/EBITDA 21.42
EPS(TTM)10.21
EY3.69%
EPS(NY)12.72
Fwd EY4.6%
FCF(TTM)10.33
FCFY3.74%
OCF(TTM)11.01
OCFY3.98%
SpS18.64
BVpS17.46
TBVpS-3.95
PEG (NY)1.91
PEG (5Y)1.51
Graham Number63.34
Profitability
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROCE 42.44%
ROIC 35.11%
ROICexc 46.88%
ROICexgc 1665.56%
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
FCFM 55.39%
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 Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Debt/EBITDA 0.68
Cap/Depr 119.86%
Cap/Sales 3.66%
Interest Coverage 47.23
Cash Conversion 84.32%
Profit Quality 111.33%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 8.03
F-Score6
WACC8.43%
ROIC/WACC4.16
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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.14%
EBIT Next 3Y12.24%
EBIT Next 5Y11.09%
FCF growth 1Y19.91%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y21.02%
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 14.17% in the next year.