VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - FRA:3V64 - US92826C8394 - Common Stock
290.4 EUR
+0.8 (+0.28%)
We assign a fundamental rating of 6 out of 10 to 3V64. 3V64 was compared to 50 industry peers in the Financial Services industry. 3V64 scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 3V64 is quite expensive at the moment. It does show a decent growth rate.
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.
3V64 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
3V64's Return On Assets of 20.06% is amongst the best of the industry. 3V64 outperforms 96.00% of its industry peers.
With an excellent Return On Equity value of 51.89%, 3V64 belongs to the best of the industry, outperforming 94.00% of the companies in the same industry.
The Return On Invested Capital of 3V64 (32.46%) is better than 96.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 9.85%.
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's Profit Margin of 51.58% is amongst the best of the industry. 3V64 outperforms 96.00% of its industry peers.
3V64's Profit Margin has been stable in the last couple of years.
The Operating Margin of 3V64 (66.50%) is better than 94.00% of its industry peers.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
The Gross Margin of 3V64 (80.23%) is better than 76.00% of its industry peers.
3V64's Gross Margin has been stable in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 3V64 is creating value.
3V64 has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 3V64 has less shares outstanding
The debt/assets ratio for 3V64 is higher compared to a year ago.
2.2 Solvency
3V64 has an Altman-Z score of 7.81. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.81, 3V64 belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
3V64 has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 1.14, 3V64 belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
A Debt/Equity ratio of 0.51 indicates that 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 48.00% of its industry peers.
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 | 7.81 |
ROIC/WACC3.81
WACC8.52%
2.3 Liquidity
A Current Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64 has a Current ratio of 1.12. This is in the lower half of the industry: 3V64 underperforms 66.00% of its industry peers.
A Quick Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
The Quick ratio of 3V64 (1.12) is worse than 64.00% of its industry peers.
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
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.
EPS 1Y (TTM)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.51%
3.2 Future
The Earnings Per Share is expected to grow by 13.62% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.47% on average over the next years. This is quite good.
EPS Next Y14.22%
EPS Next 2Y13.54%
EPS Next 3Y15.35%
EPS Next 5Y13.62%
Revenue Next Year10.74%
Revenue Next 2Y10.41%
Revenue Next 3Y12.47%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 29.19 indicates a quite expensive valuation of 3V64.
The rest of the industry has a similar Price/Earnings ratio as 3V64.
3V64's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.83.
Based on the Price/Forward Earnings ratio of 25.56, the valuation of 3V64 can be described as expensive.
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 32.68. 3V64 is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.19 | ||
| Fwd PE | 25.56 |
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 | 29.22 | ||
| EV/EBITDA | 23.94 |
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.
3V64 has an outstanding profitability rating, which may justify a higher PE ratio.
3V64's earnings are expected to grow with 15.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.05
PEG (5Y)1.63
EPS Next 2Y13.54%
EPS Next 3Y15.35%
5. Dividend
5.1 Amount
With a yearly dividend of 0.80%, 3V64 is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, 3V64 has a dividend in line with its industry peers.
With a Dividend Yield of 0.80, 3V64 pays less dividend than the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
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
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 2Y13.54%
EPS Next 3Y15.35%
FRA:3V64 (11/7/2025, 7:00:00 PM)
290.4
+0.8 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.3%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap559.48B
Revenue(TTM)N/A
Net Income(TTM)20.06B
Analysts81.7
Price Target347.08 (19.52%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
Yearly Dividend2.06
Dividend Growth(5Y)13.82%
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)2.1%
PT rev (3m)1.74%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)-1.56%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.19 | ||
| Fwd PE | 25.56 | ||
| P/S | 16.59 | ||
| P/FCF | 29.22 | ||
| P/OCF | 27.48 | ||
| P/B | 16.69 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.94 |
EPS(TTM)9.95
EY3.43%
EPS(NY)11.36
Fwd EY3.91%
FCF(TTM)9.94
FCFY3.42%
OCF(TTM)10.57
OCFY3.64%
SpS17.5
BVpS17.4
TBVpS-3.99
PEG (NY)2.05
PEG (5Y)1.63
Graham Number62.42
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%
ROICexgc growth 3Y3.03%
ROICexgc 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 | 7.81 |
F-Score7
WACC8.52%
ROIC/WACC3.81
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)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
EPS Next Y14.22%
EPS Next 2Y13.54%
EPS Next 3Y15.35%
EPS Next 5Y13.62%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.51%
Revenue Next Year10.74%
Revenue Next 2Y10.41%
Revenue Next 3Y12.47%
Revenue Next 5YN/A
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.96%
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%
VISA INC-CLASS A SHARES / 3V64.DE FAQ
What is the fundamental rating for 3V64 stock?
ChartMill assigns a fundamental rating of 6 / 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 8 / 10.
Can you provide the financial health for 3V64 stock?
The financial health rating of VISA INC-CLASS A SHARES (3V64.DE) is 8 / 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 14.22% in the next year.