VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
FRA:3V64 - Deutsche Boerse Ag - US92826C8394 - Common Stock - Currency: EUR
3V64 gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 47 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. 3V64 is quite expensive at the moment. It does show a decent growth rate. These ratings could make 3V64 a good candidate 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.
Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 21.44%, 3V64 belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
The Return On Equity of 3V64 (51.45%) is better than 93.62% of its industry peers.
With an excellent Return On Invested Capital value of 31.95%, 3V64 belongs to the best of the industry, outperforming 95.74% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for 3V64 is significantly above the industry average of 10.10%.
The 3 year average ROIC (27.02%) for 3V64 is below the current ROIC(31.95%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.44% | ||
| ROE | 51.45% | ||
| ROIC | 31.95% |
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 53.54%. This is amongst the best in the industry. 3V64 outperforms 93.62% of its industry peers.
3V64's Profit Margin has been stable in the last couple of years.
The Operating Margin of 3V64 (66.22%) is better than 91.49% of its industry peers.
3V64's Operating Margin has been stable in the last couple of years.
Looking at the Gross Margin, with a value of 79.89%, 3V64 is in the better half of the industry, outperforming 74.47% 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 | 66.22% | ||
| PM (TTM) | 53.54% | ||
| GM | 79.89% |
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
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.
The debt/assets ratio for 3V64 has been reduced compared to a year ago.
2.2 Solvency
3V64 has an Altman-Z score of 8.93. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 8.93, 3V64 belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
The Debt to FCF ratio of 3V64 is 1.01, which is an excellent value as it means it would take 3V64, only 1.01 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of 3V64 (1.01) is better than 85.11% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that 3V64 is not too dependend on debt financing.
3V64's Debt to Equity ratio of 0.44 is in line compared to the rest of the industry. 3V64 outperforms 51.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | 8.93 |
ROIC/WACC2.06
WACC15.48%
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.
3V64 has a Current ratio (1.12) which is in line with its industry peers.
A Quick Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64's Quick ratio of 1.12 is in line compared to the rest of the industry. 3V64 outperforms 55.32% 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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.57% over the past year.
The Earnings Per Share has been growing by 13.02% 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 10.35% in the last year.
The Revenue has been growing by 9.35% on average over the past years. This is quite good.
EPS 1Y (TTM)15.57%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%14.11%
Revenue 1Y (TTM)10.35%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%10.15%
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 13.53% on average per year.
The Revenue is expected to grow by 10.86% on average over the next years. This is quite good.
EPS Next Y14.53%
EPS Next 2Y13.6%
EPS Next 3Y13.27%
EPS Next 5Y13.53%
Revenue Next Year10.18%
Revenue Next 2Y10.17%
Revenue Next 3Y10.06%
Revenue Next 5Y10.86%
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
Based on the Price/Earnings ratio of 32.52, the valuation of 3V64 can be described as expensive.
3V64's Price/Earnings ratio is in line with the industry average.
3V64 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 26.06, which means the current valuation is very expensive for 3V64.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 3V64 indicates a slightly more expensive valuation: 3V64 is more expensive than 61.70% of the companies listed in the same industry.
3V64's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 21.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.52 | ||
| Fwd PE | 26.06 |
4.2 Price Multiples
3V64's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 3V64 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.37 | ||
| EV/EBITDA | 25.95 |
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 13.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.24
PEG (5Y)2.5
EPS Next 2Y13.6%
EPS Next 3Y13.27%
5. Dividend
5.1 Amount
With a yearly dividend of 0.70%, 3V64 is not a good candidate for dividend investing.
3V64's Dividend Yield is comparable with the industry average which is at 3.96.
Compared to an average S&P500 Dividend Yield of 2.46, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
5.2 History
On average, the dividend of 3V64 grows each year by 15.24%, which is quite nice.
Dividend Growth(5Y)15.24%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
21.96% 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.
DP21.96%
EPS Next 2Y13.6%
EPS Next 3Y13.27%
FRA:3V64 (4/29/2025, 5:26:29 PM)
297.55
+2 (+0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners89.97%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap581.29B
Analysts81.74
Price Target332.09 (11.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.7% |
Yearly Dividend1.86
Dividend Growth(5Y)15.24%
DP21.96%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.14%
Min EPS beat(2)1.33%
Max EPS beat(2)2.94%
EPS beat(4)3
Avg EPS beat(4)0.85%
Min EPS beat(4)-1.88%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)1.2%
EPS beat(12)11
Avg EPS beat(12)2.94%
EPS beat(16)15
Avg EPS beat(16)3.57%
Revenue beat(2)0
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-0.67%
Max Revenue beat(2)-0.19%
Revenue beat(4)0
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)-0.19%
Revenue beat(8)1
Avg Revenue beat(8)-0.79%
Revenue beat(12)5
Avg Revenue beat(12)0%
Revenue beat(16)8
Avg Revenue beat(16)0.24%
PT rev (1m)-8.94%
PT rev (3m)2.28%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)-0.19%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.73%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.52 | ||
| Fwd PE | 26.06 | ||
| P/S | 17.94 | ||
| P/FCF | 32.37 | ||
| P/OCF | 30.38 | ||
| P/B | 17.24 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.95 |
EPS(TTM)9.15
EY3.08%
EPS(NY)11.42
Fwd EY3.84%
FCF(TTM)9.19
FCFY3.09%
OCF(TTM)9.79
OCFY3.29%
SpS16.59
BVpS17.26
TBVpS-3.22
PEG (NY)2.24
PEG (5Y)2.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.44% | ||
| ROE | 51.45% | ||
| ROCE | 38.81% | ||
| ROIC | 31.95% | ||
| ROICexc | 41.4% | ||
| ROICexgc | 663.1% | ||
| OM | 66.22% | ||
| PM (TTM) | 53.54% | ||
| GM | 79.89% | ||
| FCFM | 55.42% |
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-Score8
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 124.88% | ||
| Cap/Sales | 3.63% | ||
| Interest Coverage | 41.8 | ||
| Cash Conversion | 85.42% | ||
| Profit Quality | 103.51% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 8.93 |
F-Score8
WACC15.48%
ROIC/WACC2.06
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)15.57%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%14.11%
EPS Next Y14.53%
EPS Next 2Y13.6%
EPS Next 3Y13.27%
EPS Next 5Y13.53%
Revenue 1Y (TTM)10.35%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%10.15%
Revenue Next Year10.18%
Revenue Next 2Y10.17%
Revenue Next 3Y10.06%
Revenue Next 5Y10.86%
EBIT growth 1Y8.52%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.7%
EBIT Next 3Y12.32%
EBIT Next 5Y10.74%
FCF growth 1Y14.96%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y15.67%
OCF growth 3Y9.42%
OCF growth 5Y9.31%