VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
301.85 EUR
+0.3 (+0.1%)
3V64 gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 56 industry peers in the Financial Services industry. 3V64 gets an excellent profitability rating and is at the same time showing great financial health properties. 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!.
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.
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
The Return On Assets of 3V64 (19.93%) is better than 96.43% of its industry peers.
3V64 has a Return On Equity of 52.38%. This is amongst the best in the industry. 3V64 outperforms 94.64% of its industry peers.
Looking at the Return On Invested Capital, with a value of 34.02%, 3V64 belongs to the top of the industry, outperforming 96.43% 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 8.78%.
The 3 year average ROIC (30.07%) for 3V64 is below the current ROIC(34.02%), indicating increased profibility in the last year.
| 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
3V64 has a better Profit Margin (49.64%) than 94.64% of its industry peers.
3V64's Profit Margin has been stable in the last couple of years.
3V64's Operating Margin of 66.39% is amongst the best of the industry. 3V64 outperforms 92.86% of its industry peers.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
3V64 has a Gross Margin of 80.36%. This is in the better half of the industry: 3V64 outperforms 76.79% 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.
The number of shares outstanding for 3V64 has been reduced compared to 1 year ago.
3V64 has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 3V64 has a worse debt to assets ratio.
2.2 Solvency
3V64 has an Altman-Z score of 8.13. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
3V64's Altman-Z score of 8.13 is amongst the best of the industry. 3V64 outperforms 91.07% of its industry peers.
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.
With an excellent Debt to FCF ratio value of 1.17, 3V64 belongs to the best of the industry, outperforming 83.93% of the companies in the same industry.
3V64 has a Debt/Equity ratio of 0.52. This is a neutral value indicating 3V64 is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.52, 3V64 is in line with its industry, outperforming 51.79% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 8.13 |
ROIC/WACC4
WACC8.51%
2.3 Liquidity
3V64 has a Current Ratio of 1.08. 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 (1.08) which is comparable to the rest of the industry.
A Quick Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64 has a Quick ratio of 1.08. This is comparable to the rest of the industry: 3V64 outperforms 42.86% 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 | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.13%, which is quite good.
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.
The Revenue has grown by 11.34% in the past year. This is quite good.
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
3V64 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.62% yearly.
Based on estimates for the next years, 3V64 will show a quite strong growth in Revenue. The Revenue will grow by 10.38% on average per year.
EPS Next Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.62%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
Revenue Next 3Y10.38%
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 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
A Price/Earnings ratio of 30.93 indicates a quite expensive valuation of 3V64.
3V64's Price/Earnings is on the same level as the industry average.
3V64's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.77.
With a Price/Forward Earnings ratio of 27.22, 3V64 can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 3V64 is on the same level as its industry peers.
3V64's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.93 | ||
| Fwd PE | 27.22 |
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 | 31.48 | ||
| EV/EBITDA | 24.61 |
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 12.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.26
PEG (5Y)1.73
EPS Next 2Y13.26%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.58%, which is pretty low.
Compared to an average industry Dividend Yield of 2.10, 3V64 has a dividend in line with its industry peers.
With a Dividend Yield of 0.58, 3V64 pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
5.2 History
The dividend of 3V64 is nicely growing with an annual growth rate of 13.82%!
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 2Y13.26%
EPS Next 3Y12.92%
FRA:3V64 (12/30/2025, 7:00:00 PM)
301.85
+0.3 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.45%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap577.77B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target342.88 (13.59%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
Yearly Dividend2.02
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)-1.74%
PT rev (3m)1.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.93 | ||
| Fwd PE | 27.22 | ||
| P/S | 16.98 | ||
| P/FCF | 31.48 | ||
| P/OCF | 29.46 | ||
| P/B | 17.92 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.61 |
EPS(TTM)9.76
EY3.23%
EPS(NY)11.09
Fwd EY3.67%
FCF(TTM)9.59
FCFY3.18%
OCF(TTM)10.25
OCFY3.39%
SpS17.77
BVpS16.85
TBVpS-4.27
PEG (NY)2.26
PEG (5Y)1.73
Graham Number60.82
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 | 8.13 |
F-Score6
WACC8.51%
ROIC/WACC4
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 Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
Revenue Next 3Y10.38%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.85%
EBIT Next 3Y11.99%
EBIT Next 5Y11.45%
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 9 / 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 13.67% in the next year.