VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
281.3 EUR
+1.3 (+0.46%)
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 54 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. While showing a medium growth rate, 3V64 is valued expensive at the moment. These ratings would make 3V64 suitable for quality investing!
1. Profitability
1.1 Basic Checks
In the past year 3V64 was profitable.
3V64 had a positive operating cash flow in the past year.
Each year in the past 5 years 3V64 has been profitable.
Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
3V64 has a better Return On Assets (19.93%) than 96.30% of its industry peers.
The Return On Equity of 3V64 (52.38%) is better than 94.44% of its industry peers.
3V64's Return On Invested Capital of 34.02% is amongst the best of the industry. 3V64 outperforms 96.30% 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 10.39%.
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 Profit Margin of 49.64%. This is amongst the best in the industry. 3V64 outperforms 96.30% of its industry peers.
In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
3V64's Operating Margin of 66.39% is amongst the best of the industry. 3V64 outperforms 94.44% of its industry peers.
3V64's Operating Margin has been stable in the last couple of years.
3V64's Gross Margin of 80.36% is fine compared to the rest of the industry. 3V64 outperforms 77.78% 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 3V64 is creating value.
The number of shares outstanding for 3V64 has been reduced compared to 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
An Altman-Z score of 7.60 indicates that 3V64 is not in any danger for bankruptcy at the moment.
3V64 has a Altman-Z score of 7.60. This is amongst the best in the industry. 3V64 outperforms 87.04% of its industry peers.
The Debt to FCF ratio of 3V64 is 1.17, which is an excellent value as it means it would take 3V64, only 1.17 years of fcf income to pay off all of its debts.
3V64's Debt to FCF ratio of 1.17 is amongst the best of the industry. 3V64 outperforms 83.33% 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 in line with 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 | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 7.6 |
ROIC/WACC3.98
WACC8.54%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
The Current ratio of 3V64 (1.08) is worse than 61.11% of its industry peers.
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 (1.08) 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.13% over the past year.
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.
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
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 10.44% on average over the next years. This is quite good.
EPS Next Y13.74%
EPS Next 2Y13.3%
EPS Next 3Y12.97%
EPS Next 5Y13.62%
Revenue Next Year11.47%
Revenue Next 2Y10.83%
Revenue Next 3Y10.44%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 28.59 indicates a quite expensive valuation of 3V64.
3V64's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.28. 3V64 is around the same levels.
3V64 is valuated quite expensively with a Price/Forward Earnings ratio of 25.13.
3V64's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.52. 3V64 is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.59 | ||
| Fwd PE | 25.13 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 3V64 is on the same level as its industry peers.
3V64's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.08 | ||
| EV/EBITDA | 22.65 |
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 12.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.08
PEG (5Y)1.59
EPS Next 2Y13.3%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
With a yearly dividend of 0.82%, 3V64 is not a good candidate for dividend investing.
3V64's Dividend Yield is comparable with the industry average which is at 3.26.
With a Dividend Yield of 0.82, 3V64 pays less dividend than the S&P500 average, which is at 2.31.
| 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
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 2Y13.3%
EPS Next 3Y12.97%
FRA:3V64 (12/9/2025, 7:00:00 PM)
281.3
+1.3 (+0.46%)
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 Cap538.44B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target345.08 (22.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Yearly Dividend2.05
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)-0.14%
PT rev (3m)-0.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.59 | ||
| Fwd PE | 25.13 | ||
| P/S | 15.69 | ||
| P/FCF | 29.08 | ||
| P/OCF | 27.21 | ||
| P/B | 16.55 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.65 |
EPS(TTM)9.84
EY3.5%
EPS(NY)11.19
Fwd EY3.98%
FCF(TTM)9.67
FCFY3.44%
OCF(TTM)10.34
OCFY3.67%
SpS17.93
BVpS16.99
TBVpS-4.31
PEG (NY)2.08
PEG (5Y)1.59
Graham Number61.34
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 | 7.6 |
F-Score6
WACC8.54%
ROIC/WACC3.98
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 Y13.74%
EPS Next 2Y13.3%
EPS Next 3Y12.97%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.47%
Revenue Next 2Y10.83%
Revenue Next 3Y10.44%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.79%
EBIT Next 3Y11.96%
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 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 13.74% in the next year.