VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - FRA:3V64 - US92826C8394 - Common Stock
290.2 EUR
+0.45 (+0.16%)
3V64 gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 46 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 could make 3V64 a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
In the past year 3V64 was profitable.
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
3V64's Return On Assets of 20.06% is amongst the best of the industry. 3V64 outperforms 93.48% of its industry peers.
The Return On Equity of 3V64 (51.89%) is better than 95.65% of its industry peers.
3V64's Return On Invested Capital of 32.46% is amongst the best of the industry. 3V64 outperforms 97.83% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 10.94%.
The 3 year average ROIC (27.02%) for 3V64 is below the current ROIC(32.46%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 20.06% | ||
| ROE | 51.89% | ||
| ROIC | 32.46% |
ROA(3y)18.82%
ROA(5y)16.78%
ROE(3y)44.9%
ROE(5y)39.11%
ROIC(3y)27.02%
ROIC(5y)23.58%
1.3 Margins
3V64 has a Profit Margin of 51.58%. This is amongst the best in the industry. 3V64 outperforms 89.13% of its industry peers.
3V64's Profit Margin has been stable in the last couple of years.
3V64 has a Operating Margin of 66.50%. This is amongst the best in the industry. 3V64 outperforms 89.13% of its industry peers.
3V64's Operating Margin has been stable in the last couple of years.
The Gross Margin of 3V64 (80.23%) is better than 71.74% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.5% | ||
| PM (TTM) | 51.58% | ||
| GM | 80.23% |
OM growth 3Y0.7%
OM growth 5Y-0.02%
PM growth 3Y2.83%
PM growth 5Y1.33%
GM growth 3Y0.43%
GM growth 5Y-0.36%
2. Health
2.1 Basic Checks
3V64 has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
3V64 has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 3V64 has been reduced compared to 5 years ago.
3V64 has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 7.92 indicates that 3V64 is not in any danger for bankruptcy at the moment.
3V64 has a better Altman-Z score (7.92) than 89.13% of its industry peers.
The Debt to FCF ratio of 3V64 is 1.14, which is an excellent value as it means it would take 3V64, only 1.14 years of fcf income to pay off all of its debts.
3V64 has a Debt to FCF ratio of 1.14. This is amongst the best in the industry. 3V64 outperforms 84.78% 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.
Looking at the Debt to Equity ratio, with a value of 0.51, 3V64 is in line with its industry, outperforming 52.17% 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 | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | 7.92 |
ROIC/WACC3.83
WACC8.47%
2.3 Liquidity
3V64 has a Current Ratio of 1.12. 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 1.12, 3V64 is in line with its industry, outperforming 47.83% of the companies in the same industry.
3V64 has a Quick Ratio of 1.12. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.12, 3V64 perfoms like the industry average, outperforming 47.83% of the companies in the same industry.
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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.82% over the past year.
The Earnings Per Share has been growing by 13.02% on average over the past years. This is quite good.
3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.38%.
The Revenue has been growing by 9.35% on average over the past years. This is quite good.
EPS 1Y (TTM)15.82%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%23.14%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
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 13.72% yearly.
3V64 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.28% yearly.
EPS Next Y16.1%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
EPS Next 5Y13.72%
Revenue Next Year11.11%
Revenue Next 2Y10.89%
Revenue Next 3Y10.58%
Revenue Next 5Y10.28%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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
With a Price/Earnings ratio of 30.36, 3V64 can be considered very expensive at the moment.
3V64's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.30, 3V64 is valued at the same level.
Based on the Price/Forward Earnings ratio of 25.95, the valuation of 3V64 can be described as 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 22.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.36 | ||
| Fwd PE | 25.95 |
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 | 29.67 | ||
| EV/EBITDA | 24.37 |
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.
3V64's earnings are expected to grow with 13.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.89
PEG (5Y)2.33
EPS Next 2Y14.18%
EPS Next 3Y13.78%
5. Dividend
5.1 Amount
With a yearly dividend of 0.69%, 3V64 is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.54, 3V64 has a dividend in line with its industry peers.
With a Dividend Yield of 0.69, 3V64 pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
5.2 History
The dividend of 3V64 is nicely growing with an annual growth rate of 15.24%!
Dividend Growth(5Y)15.24%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
22.58% 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.
DP22.58%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
FRA:3V64 (9/12/2025, 7:00:00 PM)
290.2
+0.45 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.96%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap559.10B
Analysts80.91
Price Target338.45 (16.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
Yearly Dividend1.81
Dividend Growth(5Y)15.24%
DP22.58%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.8%
Min EPS beat(2)0.92%
Max EPS beat(2)2.69%
EPS beat(4)4
Avg EPS beat(4)1.97%
Min EPS beat(4)0.92%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)1.24%
EPS beat(12)11
Avg EPS beat(12)1.75%
EPS beat(16)15
Avg EPS beat(16)2.88%
Revenue beat(2)1
Avg Revenue beat(2)-0.09%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.72%
Revenue beat(12)4
Avg Revenue beat(12)-0.36%
Revenue beat(16)7
Avg Revenue beat(16)0.01%
PT rev (1m)-2.17%
PT rev (3m)-0.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.82%
EPS NY rev (1m)0.96%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.36 | ||
| Fwd PE | 25.95 | ||
| P/S | 16.84 | ||
| P/FCF | 29.67 | ||
| P/OCF | 27.9 | ||
| P/B | 16.94 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.37 |
EPS(TTM)9.56
EY3.29%
EPS(NY)11.18
Fwd EY3.85%
FCF(TTM)9.78
FCFY3.37%
OCF(TTM)10.4
OCFY3.58%
SpS17.23
BVpS17.13
TBVpS-3.93
PEG (NY)1.89
PEG (5Y)2.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 20.06% | ||
| ROE | 51.89% | ||
| ROCE | 39.43% | ||
| ROIC | 32.46% | ||
| ROICexc | 45.87% | ||
| ROICexgc | N/A | ||
| OM | 66.5% | ||
| PM (TTM) | 51.58% | ||
| GM | 80.23% | ||
| FCFM | 56.78% |
ROA(3y)18.82%
ROA(5y)16.78%
ROE(3y)44.9%
ROE(5y)39.11%
ROIC(3y)27.02%
ROIC(5y)23.58%
ROICexc(3y)36.97%
ROICexc(5y)32.54%
ROICexgc(3y)449.64%
ROICexgc(5y)409.16%
ROCE(3y)32.82%
ROCE(5y)28.64%
ROICexcg growth 3Y3.03%
ROICexcg growth 5Y0.77%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.85%
OM growth 3Y0.7%
OM growth 5Y-0.02%
PM growth 3Y2.83%
PM growth 5Y1.33%
GM growth 3Y0.43%
GM growth 5Y-0.36%
F-Score7
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Debt/EBITDA | 0.72 | ||
| Cap/Depr | 119.02% | ||
| Cap/Sales | 3.6% | ||
| Interest Coverage | 43.99 | ||
| Cash Conversion | 86.85% | ||
| Profit Quality | 110.08% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 7.92 |
F-Score7
WACC8.47%
ROIC/WACC3.83
Cap/Depr(3y)115.51%
Cap/Depr(5y)106.03%
Cap/Sales(3y)3.35%
Cap/Sales(5y)3.27%
Profit Quality(3y)111.41%
Profit Quality(5y)109.56%
High Growth Momentum
Growth
EPS 1Y (TTM)15.82%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%23.14%
EPS Next Y16.1%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year11.11%
Revenue Next 2Y10.89%
Revenue Next 3Y10.58%
Revenue Next 5Y10.28%
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.6%
EBIT Next 3Y12.56%
EBIT Next 5Y11.53%
FCF growth 1Y18.38%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y19.19%
OCF growth 3Y9.42%
OCF growth 5Y9.31%