VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
296.2 EUR
+0.6 (+0.2%)
We assign a fundamental rating of 7 out of 10 to 3V64. 3V64 was compared to 59 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. These ratings would make 3V64 suitable for quality investing!
1. Profitability
1.1 Basic Checks
In the past year 3V64 was profitable.
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
The Return On Assets of 3V64 (19.93%) is better than 94.92% of its industry peers.
The Return On Equity of 3V64 (52.38%) is better than 93.22% of its industry peers.
3V64 has a Return On Invested Capital of 34.02%. This is amongst the best in the industry. 3V64 outperforms 94.92% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 3V64 is significantly above the industry average of 9.75%.
The last Return On Invested Capital (34.02%) for 3V64 is above the 3 year average (30.07%), which is a sign of increasing profitability.
| 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
With an excellent Profit Margin value of 49.64%, 3V64 belongs to the best of the industry, outperforming 96.61% 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.
With an excellent Operating Margin value of 66.39%, 3V64 belongs to the best of the industry, outperforming 94.92% of the companies in the same industry.
3V64's Operating Margin has been stable in the last couple of years.
The Gross Margin of 3V64 (80.36%) is better than 77.97% of its industry peers.
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 | 66.39% | ||
| 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.
Compared to 1 year ago, 3V64 has less shares outstanding
3V64 has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 3V64 is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 7.98 indicates that 3V64 is not in any danger for bankruptcy at the moment.
3V64 has a better Altman-Z score (7.98) than 86.44% 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 84.75% of its industry peers.
3V64 has a Debt/Equity ratio of 0.52. This is a neutral value indicating 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 | 7.98 |
ROIC/WACC3.98
WACC8.54%
2.3 Liquidity
3V64 has a Current 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 worse Current ratio (1.08) than 61.02% of its industry peers.
A Quick Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.08, 3V64 is in line with its industry, outperforming 40.68% 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 | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.13% over the past year.
The Earnings Per Share has been growing by 17.92% on average over the past years. This is quite good.
3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.34%.
Measured over the past years, 3V64 shows a quite strong growth in Revenue. The Revenue has been growing by 12.86% on average per year.
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
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
With a Price/Earnings ratio of 30.26, 3V64 can be considered very expensive at the moment.
3V64's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.39, 3V64 is valued at the same level.
A Price/Forward Earnings ratio of 26.59 indicates a quite expensive valuation of 3V64.
3V64's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.84. 3V64 is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.26 | ||
| Fwd PE | 26.59 |
4.2 Price Multiples
3V64's Enterprise Value to EBITDA ratio is in line with the industry average.
3V64's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.77 | ||
| EV/EBITDA | 24.06 |
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 12.97% in the coming years.
PEG (NY)2.2
PEG (5Y)1.69
EPS Next 2Y13.3%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
With a yearly dividend of 0.78%, 3V64 is not a good candidate for dividend investing.
3V64's Dividend Yield is comparable with the industry average which is at 2.01.
Compared to an average S&P500 Dividend Yield of 1.87, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
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
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 (12/19/2025, 7:00:00 PM)
296.2
+0.6 (+0.2%)
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 Cap566.96B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target345.08 (16.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend2.04
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)-0.58%
PT rev (3m)1.96%
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)-0.02%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.26 | ||
| Fwd PE | 26.59 | ||
| P/S | 16.6 | ||
| P/FCF | 30.77 | ||
| P/OCF | 28.8 | ||
| P/B | 17.52 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.06 |
EPS(TTM)9.79
EY3.31%
EPS(NY)11.14
Fwd EY3.76%
FCF(TTM)9.62
FCFY3.25%
OCF(TTM)10.29
OCFY3.47%
SpS17.84
BVpS16.91
TBVpS-4.29
PEG (NY)2.2
PEG (5Y)1.69
Graham Number61.03
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 | 7.98 |
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.