VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - FRA:3V64 - US92826C8394 - Common Stock
297.75 EUR
-0.4 (-0.13%)
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 51 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making 3V64 a very profitable company, without any liquidiy or solvency issues. 3V64 is valued quite expensive, but it does show an excellent growth. With these ratings, 3V64 could be worth investigating further for growth and 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.
3V64 had positive earnings in each of the past 5 years.
In the past 5 years 3V64 always reported a positive cash flow from operatings.
1.2 Ratios
3V64 has a Return On Assets of 20.06%. This is amongst the best in the industry. 3V64 outperforms 98.04% of its industry peers.
3V64's Return On Equity of 51.89% is amongst the best of the industry. 3V64 outperforms 96.08% of its industry peers.
Looking at the Return On Invested Capital, with a value of 32.46%, 3V64 belongs to the top of the industry, outperforming 98.04% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 9.42%.
The last Return On Invested Capital (32.46%) for 3V64 is above the 3 year average (27.02%), which is a sign of increasing profitability.
| 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 has a Profit Margin of 51.58%. This is amongst the best in the industry. 3V64 outperforms 96.08% of its industry peers.
3V64's Profit Margin has been stable in the last couple of years.
3V64 has a better Operating Margin (66.50%) than 94.12% of its industry peers.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
With a decent Gross Margin value of 80.23%, 3V64 is doing good in the industry, outperforming 76.47% of the companies in the same industry.
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 | 66.5% | ||
| 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.
3V64 has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 3V64 has been reduced compared to a year ago.
2.2 Solvency
3V64 has an Altman-Z score of 8.00. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 8.00, 3V64 belongs to the best of the industry, outperforming 90.20% of the companies in the same industry.
The Debt to FCF ratio of 3V64 is 1.14, which is an excellent value as it means it would take 3V64, only 1.14 years of fcf income to pay off all of its debts.
3V64 has a Debt to FCF ratio of 1.14. This is amongst the best in the industry. 3V64 outperforms 84.31% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that 3V64 is somewhat dependend on debt financing.
3V64 has a Debt to Equity ratio (0.51) 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 | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | 8 |
ROIC/WACC3.83
WACC8.47%
2.3 Liquidity
3V64 has a Current Ratio of 1.12. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.12, 3V64 is doing worse than 60.78% of the companies in the same industry.
3V64 has a Quick Ratio of 1.12. 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 1.12, 3V64 perfoms like the industry average, outperforming 41.18% of the companies in the same 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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.82% 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 13.02% yearly.
3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.38%.
Measured over the past years, 3V64 shows a quite strong growth in Revenue. The Revenue has been growing by 9.35% on average per year.
EPS 1Y (TTM)15.82%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%23.14%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
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 13.72% yearly.
Based on estimates for the next years, 3V64 will show a quite strong growth in Revenue. The Revenue will grow by 12.13% on average per year.
EPS Next Y16.08%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
EPS Next 5Y13.72%
Revenue Next Year11.12%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y12.13%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 30.76 indicates a quite expensive valuation of 3V64.
The rest of the industry has a similar Price/Earnings ratio as 3V64.
When comparing the Price/Earnings ratio of 3V64 to the average of the S&P500 Index (27.34), we can say 3V64 is valued inline with the index average.
With a Price/Forward Earnings ratio of 26.31, 3V64 can be considered very expensive at the moment.
3V64's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of 3V64 to the average of the S&P500 Index (22.86), we can say 3V64 is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.76 | ||
| Fwd PE | 26.31 |
4.2 Price Multiples
3V64's Enterprise Value to EBITDA is on the same level as 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 | 30.05 | ||
| EV/EBITDA | 24.68 |
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 13.69% in the coming years.
PEG (NY)1.91
PEG (5Y)2.36
EPS Next 2Y14.14%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.68%, which is pretty low.
Compared to an average industry Dividend Yield of 3.49, 3V64 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
5.2 History
On average, the dividend of 3V64 grows each year by 15.24%, which is quite nice.
Dividend Growth(5Y)15.24%
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 2Y14.14%
EPS Next 3Y13.69%
FRA:3V64 (10/13/2025, 7:00:00 PM)
297.75
-0.4 (-0.13%)
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 Cap573.65B
Analysts80.89
Price Target341.44 (14.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
Yearly Dividend1.83
Dividend Growth(5Y)15.24%
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)-1.08%
PT rev (3m)-2.44%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-1.29%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.76 | ||
| Fwd PE | 26.31 | ||
| P/S | 17.06 | ||
| P/FCF | 30.05 | ||
| P/OCF | 28.26 | ||
| P/B | 17.16 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.68 |
EPS(TTM)9.68
EY3.25%
EPS(NY)11.32
Fwd EY3.8%
FCF(TTM)9.91
FCFY3.33%
OCF(TTM)10.54
OCFY3.54%
SpS17.45
BVpS17.35
TBVpS-3.98
PEG (NY)1.91
PEG (5Y)2.36
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%
ROICexcg growth 3Y3.03%
ROICexcg 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 | 8 |
F-Score7
WACC8.47%
ROIC/WACC3.83
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)15.82%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%23.14%
EPS Next Y16.08%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year11.12%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y12.13%
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%