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

Europe • Frankfurt Stock Exchange • FRA:3V64 • US92826C8394

275.3 EUR
-1.35 (-0.49%)
Last: Feb 11, 2026, 05:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

7

3V64 gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. 3V64 gets an excellent profitability rating and is at the same time showing great financial health properties. 3V64 is quite expensive at the moment. It does show a decent growth rate. This makes 3V64 very considerable for quality investing!


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • 3V64 had positive earnings in the past year.
  • 3V64 had a positive operating cash flow in the past year.
  • Each year in the past 5 years 3V64 has been profitable.
  • 3V64 had a positive operating cash flow in each of the past 5 years.
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 Return On Assets of 21.27%. This is amongst the best in the industry. 3V64 outperforms 96.61% of its industry peers.
  • 3V64's Return On Equity of 53.11% is amongst the best of the industry. 3V64 outperforms 94.92% of its industry peers.
  • 3V64 has a Return On Invested Capital of 35.11%. This is amongst the best in the industry. 3V64 outperforms 96.61% 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 9.72%.
  • The last Return On Invested Capital (35.11%) for 3V64 is above the 3 year average (30.07%), which is a sign of increasing profitability.
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 Profit Margin of 49.75%. This is amongst the best in the industry. 3V64 outperforms 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.
  • The Operating Margin of 3V64 (66.98%) is better than 94.92% of its industry peers.
  • 3V64's Operating Margin has been stable in the last couple of years.
  • 3V64 has a better Gross Margin (81.08%) than 79.66% of its industry peers.
  • 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. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 3V64 is creating value.
  • The number of shares outstanding for 3V64 has been reduced compared to 1 year ago.
  • Compared to 5 years ago, 3V64 has less shares outstanding
  • The debt/assets ratio for 3V64 is higher compared to a year ago.
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 8.16. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
  • 3V64 has a Altman-Z score of 8.16. This is amongst the best in the industry. 3V64 outperforms 88.14% 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's Debt to FCF ratio of 0.92 is amongst the best of the industry. 3V64 outperforms 89.83% of its industry peers.
  • 3V64 has a Debt/Equity ratio of 0.51. This is a neutral value indicating 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 50.85% 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 8.16
ROIC/WACC4.12
WACC8.52%
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

  • A Current Ratio of 1.11 indicates that 3V64 should not have too much problems paying its short term obligations.
  • 3V64 has a Current ratio (1.11) which is comparable to the rest of the industry.
  • 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 has a Quick ratio (1.11) which 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 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. Growth

3.1 Past

  • 3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, which is quite good.
  • The Earnings Per Share has been growing by 17.92% on average over the past years. This is quite good.
  • The Revenue has grown by 12.47% in the past year. This is quite good.
  • 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)14.44%
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

  • Based on estimates for the next years, 3V64 will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.16% on average per year.
  • 3V64 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.70% yearly.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.84%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
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.
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 10B 20B 30B 40B 50B
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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 27.53 indicates a quite expensive valuation of 3V64.
  • 3V64's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of 3V64 to the average of the S&P500 Index (28.23), we can say 3V64 is valued inline with the index average.
  • A Price/Forward Earnings ratio of 22.10 indicates a rather expensive valuation of 3V64.
  • The rest of the industry has a similar Price/Forward Earnings ratio as 3V64.
  • 3V64's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 27.53
Fwd PE 22.1
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as 3V64.
  • 3V64's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 27.34
EV/EBITDA 21.84
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 an expensive valuation of the company.
  • 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)1.94
PEG (5Y)1.54
EPS Next 2Y13.65%
EPS Next 3Y13.19%

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

3

5. Dividend

5.1 Amount

  • 3V64 has a yearly dividend return of 0.81%, which is pretty low.
  • 3V64's Dividend Yield is comparable with the industry average which is at 2.15.
  • Compared to an average S&P500 Dividend Yield of 1.79, 3V64's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.81%

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

  • 23.10% 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.
DP23.1%
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

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Find the best dividend stocksShow peers with best dividend

VISA INC-CLASS A SHARES

FRA:3V64 (2/11/2026, 5:01:23 PM)

275.3

-1.35 (-0.49%)

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 Cap526.95B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.98
Price Target343.68 (24.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
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)0.23%
PT rev (3m)-0.55%
EPS NQ rev (1m)0.71%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)0.44%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 27.53
Fwd PE 22.1
P/S 15.14
P/FCF 27.34
P/OCF 25.64
P/B 16.16
P/tB N/A
EV/EBITDA 21.84
EPS(TTM)10
EY3.63%
EPS(NY)12.45
Fwd EY4.52%
FCF(TTM)10.07
FCFY3.66%
OCF(TTM)10.74
OCFY3.9%
SpS18.18
BVpS17.03
TBVpS-3.85
PEG (NY)1.94
PEG (5Y)1.54
Graham Number61.91
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 8.16
F-Score6
WACC8.52%
ROIC/WACC4.12
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 Year11.84%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
Revenue Next 5YN/A
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.95%
EBIT Next 3Y12.02%
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.