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

FRA:3V64 • US92826C8394

Current stock price

263.2 EUR
-0.8 (-0.3%)
Last:

This 3V64.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

1. 3V64.DE Profitability Analysis

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.
  • In the past 5 years 3V64 always reported a positive cash flow from operatings.
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

  • The Return On Assets of 3V64 (21.27%) is better than 96.55% of its industry peers.
  • With an excellent Return On Equity value of 53.11%, 3V64 belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.
  • 3V64 has a Return On Invested Capital of 35.11%. This is amongst the best in the industry. 3V64 outperforms 96.55% 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 10.88%.
  • The 3 year average ROIC (30.07%) for 3V64 is below the current ROIC(35.11%), indicating increased profibility in the last year.
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

  • With an excellent Profit Margin value of 49.75%, 3V64 belongs to the best of the industry, outperforming 91.38% of the companies in the same industry.
  • 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 94.83% of its industry peers.
  • 3V64's Operating Margin has been stable in the last couple of years.
  • With an excellent Gross Margin value of 81.08%, 3V64 belongs to the best of the industry, outperforming 82.76% of the companies in the same industry.
  • 3V64's Gross Margin has been stable in the last couple of years.
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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9

2. 3V64.DE Health Analysis

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.
  • 3V64 has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 3V64 has a worse debt to assets ratio.
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

  • An Altman-Z score of 7.68 indicates that 3V64 is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of 3V64 (7.68) is better than 87.93% of its industry peers.
  • The Debt to FCF ratio of 3V64 is 0.92, which is an excellent value as it means it would take 3V64, only 0.92 years of fcf income to pay off all of its debts.
  • 3V64 has a better Debt to FCF ratio (0.92) than 89.66% 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 48.28% of its industry peers.
  • Although 3V64's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.68
ROIC/WACC4.05
WACC8.67%
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.
  • Looking at the Current ratio, with a value of 1.11, 3V64 is in line with its industry, outperforming 46.55% of the companies in the same industry.
  • A Quick Ratio of 1.11 indicates that 3V64 should not have too much problems paying 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. 3V64.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 14.44% over the past year.
  • 3V64 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
  • Looking at the last year, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 12.47% in the last year.
  • The Revenue has been growing by 12.86% on average over the past years. This is quite good.
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.
  • The Revenue is expected to grow by 10.14% on average over the next years. This is quite good.
EPS Next Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.89%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%

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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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 2029 2030 20B 40B 60B
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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3

4. 3V64.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.65 indicates a quite expensive valuation of 3V64.
  • 3V64's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, 3V64 is valued at the same level.
  • A Price/Forward Earnings ratio of 20.61 indicates a rather expensive valuation of 3V64.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 3V64 is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.51. 3V64 is around the same levels.
Industry RankSector Rank
PE 25.65
Fwd PE 20.61
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 25.36
EV/EBITDA 20.23
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

  • 3V64's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The excellent profitability rating of 3V64 may justify a higher PE ratio.
  • 3V64's earnings are expected to grow with 13.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.79
PEG (5Y)1.43
EPS Next 2Y13.61%
EPS Next 3Y13.13%

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

3

5. 3V64.DE Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.87%, 3V64 is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.44, 3V64 has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, 3V64's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.87%

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

  • 3V64 pays out 23.10% of its income as dividend. This is a sustainable payout ratio.
  • 3V64's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
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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3V64.DE Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

FRA:3V64 (3/26/2026, 7:00:00 PM)

263.2

-0.8 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.48%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap501.66B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.75
Price Target352.13 (33.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
Yearly Dividend2.07
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)2.46%
PT rev (3m)2.04%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.5%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 25.65
Fwd PE 20.61
P/S 14.05
P/FCF 25.36
P/OCF 23.79
P/B 15
P/tB N/A
EV/EBITDA 20.23
EPS(TTM)10.26
EY3.9%
EPS(NY)12.77
Fwd EY4.85%
FCF(TTM)10.38
FCFY3.94%
OCF(TTM)11.06
OCFY4.2%
SpS18.73
BVpS17.55
TBVpS-3.97
PEG (NY)1.79
PEG (5Y)1.43
Graham Number63.65
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 7.68
F-Score6
WACC8.67%
ROIC/WACC4.05
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 Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.89%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.27%
EBIT Next 3Y12.37%
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 Fundamental Analysis 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 14.31% in the next year.