VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
284 EUR
+4.6 (+1.65%)
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 58 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
- 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 19.93% is amongst the best of the industry. 3V64 outperforms 98.28% of its industry peers.
- 3V64 has a better Return On Equity (52.38%) than 96.55% of its industry peers.
- 3V64's Return On Invested Capital of 34.02% is amongst the best of the industry. 3V64 outperforms 98.28% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 8.80%.
- 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's Profit Margin of 49.64% is amongst the best of the industry. 3V64 outperforms 94.83% 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 94.83% 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 amongst the best in the industry. 3V64 outperforms 81.03% 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
- 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.
- The number of shares outstanding for 3V64 has been reduced compared to 5 years ago.
- Compared to 1 year ago, 3V64 has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 7.58 indicates that 3V64 is not in any danger for bankruptcy at the moment.
- 3V64 has a better Altman-Z score (7.58) than 87.93% 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.
- 3V64's Debt to FCF ratio of 1.17 is amongst the best of the industry. 3V64 outperforms 86.21% of its industry peers.
- A Debt/Equity ratio of 0.52 indicates that 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 51.72% 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 | 7.58 |
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.
- With a Current ratio value of 1.08, 3V64 perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
- 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.
- 3V64 has a Quick ratio (1.08) which is comparable to the rest of the industry.
- 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 | 1.08 | ||
| 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.
- 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.
- 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 5Y13.16%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
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
- 3V64 is valuated quite expensively with a Price/Earnings ratio of 28.86.
- The rest of the industry has a similar Price/Earnings ratio as 3V64.
- Compared to an average S&P500 Price/Earnings ratio of 27.33, 3V64 is valued at the same level.
- 3V64 is valuated quite expensively with a Price/Forward Earnings ratio of 25.38.
- The rest of the industry has a similar Price/Forward Earnings ratio as 3V64.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, 3V64 is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.86 | ||
| Fwd PE | 25.38 |
4.2 Price Multiples
- 3V64's Enterprise Value to EBITDA is on the same level as the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as 3V64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.35 | ||
| EV/EBITDA | 22.59 |
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)2.11
PEG (5Y)1.61
EPS Next 2Y13.26%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.76%, 3V64 is not a good candidate for dividend investing.
- 3V64's Dividend Yield is comparable with the industry average which is at 1.97.
- Compared to an average S&P500 Dividend Yield of 1.91, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
5.2 History
- On average, the dividend of 3V64 grows each year by 13.82%, which is quite nice.
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.
- 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 (1/15/2026, 12:43:44 PM)
284
+4.6 (+1.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap543.60B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts82.98
Price Target342.88 (20.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
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)-0.64%
PT rev (3m)0.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.56%
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)-0.03%
Revenue NY rev (3m)0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.86 | ||
| Fwd PE | 25.38 | ||
| P/S | 15.83 | ||
| P/FCF | 29.35 | ||
| P/OCF | 27.47 | ||
| P/B | 16.71 | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.59 |
EPS(TTM)9.84
EY3.46%
EPS(NY)11.19
Fwd EY3.94%
FCF(TTM)9.68
FCFY3.41%
OCF(TTM)10.34
OCFY3.64%
SpS17.94
BVpS17
TBVpS-4.31
PEG (NY)2.11
PEG (5Y)1.61
Graham Number61.35
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 | 7.58 |
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 Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.16%
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 5Y11.09%
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.
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 13.67% in the next year.