VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:3V64 • US92826C8394
272.25 EUR
-3.3 (-1.2%)
Last: Jan 30, 2026, 07:00 PM
We assign a fundamental rating of 7 out of 10 to 3V64. 3V64 was compared to 59 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. 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
- 3V64 had positive earnings in the past year.
- In the past year 3V64 had a positive cash flow from operations.
- 3V64 had positive earnings in each of the past 5 years.
- 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 94.92% of its industry peers.
- 3V64 has a better Return On Equity (52.38%) than 93.22% of its industry peers.
- 3V64 has a Return On Invested Capital of 34.02%. This is amongst the best in the industry. 3V64 outperforms 94.92% of its industry peers.
- 3V64 had an Average Return On Invested Capital over the past 3 years of 30.07%. This is significantly above the industry average of 10.02%.
- The last Return On Invested Capital (34.02%) for 3V64 is above the 3 year average (30.07%), which is a sign of increasing profitability.
| 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 93.22% of its industry peers.
- 3V64's Profit Margin has been stable in the last couple of years.
- 3V64 has a better Operating Margin (66.39%) than 93.22% of its industry peers.
- 3V64's Operating Margin has been stable in the last couple of years.
- 3V64 has a Gross Margin of 80.36%. This is in the better half of the industry: 3V64 outperforms 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 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
- 3V64 has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- Compared to 1 year ago, 3V64 has less shares outstanding
- Compared to 5 years ago, 3V64 has less shares outstanding
- 3V64 has a worse debt/assets ratio than last year.
2.2 Solvency
- 3V64 has an Altman-Z score of 7.66. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 7.66, 3V64 belongs to the best of the industry, outperforming 88.14% of the companies in the same industry.
- 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.
- The Debt to FCF ratio of 3V64 (1.17) is better than 83.05% of its industry peers.
- A Debt/Equity ratio of 0.52 indicates that 3V64 is somewhat dependend on debt financing.
- 3V64 has a Debt to Equity ratio (0.52) which is comparable to the rest of the 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 | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 7.66 |
ROIC/WACC3.96
WACC8.59%
2.3 Liquidity
- A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
- 3V64 has a worse Current ratio (1.08) than 62.71% of its industry peers.
- 3V64 has a Quick 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.
- With a Quick ratio value of 1.08, 3V64 is not doing good in the industry: 62.71% of the companies in the same industry are doing better.
- 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.
- Looking at the last year, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 11.34% in the last year.
- 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)14.13%
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 13.16% yearly.
- The Revenue is expected to grow by 10.38% on average over the next years. This is quite good.
EPS Next Y13.7%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
EPS Next 5Y13.16%
Revenue Next Year11.48%
Revenue Next 2Y10.84%
Revenue Next 3Y10.38%
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.
- 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 28.42 indicates a quite expensive valuation of 3V64.
- Compared to the rest of the industry, the Price/Earnings ratio of 3V64 is on the same level as its industry peers.
- 3V64's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.30.
- A Price/Forward Earnings ratio of 24.99 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 similar valuation than the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.42 | ||
| Fwd PE | 24.99 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 3V64.
- 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 | 28.9 | ||
| EV/EBITDA | 22.88 |
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.
- A more expensive valuation may be justified as 3V64's earnings are expected to grow with 12.87% in the coming years.
PEG (NY)2.07
PEG (5Y)1.59
EPS Next 2Y13.29%
EPS Next 3Y12.87%
5. Dividend
5.1 Amount
- 3V64 has a yearly dividend return of 0.82%, which is pretty low.
- Compared to an average industry Dividend Yield of 1.97, 3V64 has a dividend in line with its industry peers.
- With a Dividend Yield of 0.82, 3V64 pays less dividend than the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
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
- 3V64 pays out 23.34% of its income as dividend. This is a sustainable payout ratio.
- The dividend of 3V64 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
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 8 / 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 13.7% in the next year.