VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:3V64 • US92826C8394

276.4 EUR
+2.5 (+0.91%)
Last: Feb 10, 2026, 05:20 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

7

Taking everything into account, 3V64 scores 7 out of 10 in our fundamental rating. 3V64 was compared to 59 industry peers in the Financial Services industry. 3V64 has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. 3V64 is valied quite expensively at the moment, while it does show a decent growth rate. This makes 3V64 very considerable for quality investing!


Dividend Valuation Growth Profitability Health

9

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.
  • Each year in the past 5 years 3V64 has been profitable.
  • 3V64 had a positive operating cash flow in each of the past 5 years.
3V64.DE Yearly Net Income VS EBIT VS OCF VS FCF3V64.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • 3V64's Return On Assets of 21.27% is amongst the best of the industry. 3V64 outperforms 96.61% of its industry peers.
  • Looking at the Return On Equity, with a value of 53.11%, 3V64 belongs to the top of the industry, outperforming 94.92% of the companies in the same industry.
  • The Return On Invested Capital of 3V64 (35.11%) is better than 96.61% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 9.72%.
  • The last Return On Invested Capital (35.11%) for 3V64 is above the 3 year average (30.07%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROIC 35.11%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
3V64.DE Yearly ROA, ROE, ROIC3V64.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • With an excellent Profit Margin value of 49.75%, 3V64 belongs to the best of the industry, outperforming 94.92% 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.
  • The Operating Margin of 3V64 (66.98%) is better than 94.92% of its industry peers.
  • 3V64's Operating Margin has been stable in the last couple of years.
  • 3V64 has a Gross Margin of 81.08%. This is in the better half of the industry: 3V64 outperforms 79.66% 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 RankSector Rank
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
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%
3V64.DE Yearly Profit, Operating, Gross Margins3V64.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 3V64 is creating value.
  • Compared to 1 year ago, 3V64 has less shares outstanding
  • 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.
3V64.DE Yearly Shares Outstanding3V64.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
3V64.DE Yearly Total Debt VS Total Assets3V64.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • 3V64 has an Altman-Z score of 8.09. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
  • 3V64 has a Altman-Z score of 8.09. This is amongst the best in the industry. 3V64 outperforms 88.14% of its industry peers.
  • 3V64 has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
  • The Debt to FCF ratio of 3V64 (0.92) is better than 89.83% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that 3V64 is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.51, 3V64 is in line with its industry, outperforming 50.85% of the companies in the same industry.
  • 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 8.09
ROIC/WACC4.09
WACC8.58%
3V64.DE Yearly LT Debt VS Equity VS FCF3V64.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 3V64 has a Current Ratio of 1.11. 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 Current ratio (1.11) which is in line with its industry peers.
  • A Quick Ratio of 1.11 indicates that 3V64 should not have too much problems paying its short term obligations.
  • 3V64 has a Quick ratio of 1.11. This is comparable to the rest of the industry: 3V64 outperforms 49.15% 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 RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
3V64.DE Yearly Current Assets VS Current Liabilites3V64.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • 3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, 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.
  • The Revenue has grown by 12.47% in the past year. This is quite good.
  • 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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.70% on average over the next years. This is quite good.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.84%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
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.
  • 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.
3V64.DE Yearly Revenue VS Estimates3V64.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B 40B 50B
3V64.DE Yearly EPS VS Estimates3V64.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 27.64 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 28.03. 3V64 is around the same levels.
  • With a Price/Forward Earnings ratio of 22.18, 3V64 is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 3V64 is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, 3V64 is valued a bit cheaper.
Industry RankSector Rank
PE 27.64
Fwd PE 22.18
3V64.DE Price Earnings VS Forward Price Earnings3V64.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 3V64's Enterprise Value to EBITDA is on the same level as the industry average.
  • 3V64's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 27.43
EV/EBITDA 21.61
3V64.DE Per share data3V64.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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.
  • A more expensive valuation may be justified as 3V64's earnings are expected to grow with 13.19% in the coming years.
PEG (NY)1.95
PEG (5Y)1.54
EPS Next 2Y13.65%
EPS Next 3Y13.19%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.81%, 3V64 is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.15, 3V64 has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.81, 3V64 pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.81%

5.2 History

  • On average, the dividend of 3V64 grows each year by 13.85%, which is quite nice.
Dividend Growth(5Y)13.85%
Div Incr Years6
Div Non Decr Years6
3V64.DE Yearly Dividends per share3V64.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 3V64 pays out 23.10% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of 3V64 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
3V64.DE Yearly Income VS Free CF VS Dividend3V64.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
3V64.DE Dividend Payout.3V64.DE Dividend Payout, showing the Payout Ratio.3V64.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

VISA INC-CLASS A SHARES

FRA:3V64 (2/10/2026, 5:20:27 PM)

276.4

+2.5 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap529.06B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.98
Price Target343.68 (24.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
Yearly Dividend2.02
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.26%
Min EPS beat(2)-1.51%
Max EPS beat(2)-1.02%
EPS beat(4)2
Avg EPS beat(4)0.27%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)9
Avg EPS beat(12)0.89%
EPS beat(16)13
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.29%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)0.23%
PT rev (3m)-0.55%
EPS NQ rev (1m)0.71%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)0.44%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 27.64
Fwd PE 22.18
P/S 15.19
P/FCF 27.43
P/OCF 25.73
P/B 16.22
P/tB N/A
EV/EBITDA 21.61
EPS(TTM)10
EY3.62%
EPS(NY)12.46
Fwd EY4.51%
FCF(TTM)10.08
FCFY3.65%
OCF(TTM)10.74
OCFY3.89%
SpS18.19
BVpS17.04
TBVpS-3.86
PEG (NY)1.95
PEG (5Y)1.54
Graham Number61.93
Profitability
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROCE 42.44%
ROIC 35.11%
ROICexc 46.88%
ROICexgc 1665.56%
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
FCFM 55.39%
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 Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Debt/EBITDA 0.68
Cap/Depr 119.86%
Cap/Sales 3.66%
Interest Coverage 47.23
Cash Conversion 84.32%
Profit Quality 111.33%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 8.09
F-Score6
WACC8.58%
ROIC/WACC4.09
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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.84%
Revenue Next 2Y11.11%
Revenue Next 3Y10.7%
Revenue Next 5YN/A
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.95%
EBIT Next 3Y12.02%
EBIT Next 5Y11.09%
FCF growth 1Y19.91%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y21.02%
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 14.17% in the next year.