VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
FRA:3V64 - Deutsche Boerse Ag - US92826C8394 - Common Stock - Currency: EUR
We assign a fundamental rating of 7 out of 10 to 3V64. 3V64 was compared to 47 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 quite expensive at the moment. It does show a decent growth rate. These ratings could make 3V64 a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
3V64 had positive earnings in the past year.
3V64 had a positive operating cash flow in the past year.
In the past 5 years 3V64 has always been profitable.
In the past 5 years 3V64 always reported a positive cash flow from operatings.
1.2 Ratios
3V64 has a Return On Assets of 21.15%. This is amongst the best in the industry. 3V64 outperforms 93.62% of its industry peers.
3V64's Return On Equity of 51.65% is amongst the best of the industry. 3V64 outperforms 95.74% of its industry peers.
The Return On Invested Capital of 3V64 (32.98%) is better than 97.87% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 10.14%.
The last Return On Invested Capital (32.98%) for 3V64 is above the 3 year average (27.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.15% | ||
| ROE | 51.65% | ||
| ROIC | 32.98% |
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
With an excellent Profit Margin value of 52.21%, 3V64 belongs to the best of the industry, outperforming 91.49% 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 (66.51%) is better than 89.36% of its industry peers.
3V64's Operating Margin has been stable in the last couple of years.
3V64's Gross Margin of 80.09% is fine compared to the rest of the industry. 3V64 outperforms 72.34% 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 | 66.51% | ||
| PM (TTM) | 52.21% | ||
| GM | 80.09% |
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.
The number of shares outstanding for 3V64 has been reduced compared to 5 years ago.
Compared to 1 year ago, 3V64 has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 9.19 indicates that 3V64 is not in any danger for bankruptcy at the moment.
3V64 has a better Altman-Z score (9.19) than 93.62% of its industry peers.
The Debt to FCF ratio of 3V64 is 1.01, which is an excellent value as it means it would take 3V64, only 1.01 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.01, 3V64 belongs to the best of the industry, outperforming 87.23% of the companies in the same industry.
3V64 has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
3V64 has a Debt to Equity ratio (0.44) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | 9.19 |
ROIC/WACC3.76
WACC8.76%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64 has a Current ratio (1.08) which is comparable to the rest of the industry.
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.
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 13.07% 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 13.02% on average per year.
The Revenue has grown by 10.19% 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 9.35% on average per year.
EPS 1Y (TTM)13.07%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%9.96%
Revenue 1Y (TTM)10.19%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%9.33%
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.
The Revenue is expected to grow by 11.16% on average over the next years. This is quite good.
EPS Next Y15.01%
EPS Next 2Y13.62%
EPS Next 3Y13.41%
EPS Next 5Y13.72%
Revenue Next Year10.1%
Revenue Next 2Y10.23%
Revenue Next 3Y10.13%
Revenue Next 5Y11.16%
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.
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
The Price/Earnings ratio is 33.61, which means the current valuation is very expensive for 3V64.
Compared to the rest of the industry, the Price/Earnings ratio of 3V64 is on the same level as its industry peers.
3V64 is valuated rather expensively when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 27.56, the valuation of 3V64 can be described as expensive.
3V64's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 3V64 is more expensive than 61.70% of the companies in the same industry.
3V64 is valuated rather expensively when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.61 | ||
| Fwd PE | 27.56 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 3V64.
The rest of the industry has a similar Price/Free Cash Flow ratio as 3V64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.81 | ||
| EV/EBITDA | 26.8 |
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.
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 13.41% in the coming years.
PEG (NY)2.24
PEG (5Y)2.58
EPS Next 2Y13.62%
EPS Next 3Y13.41%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.66%, which is pretty low.
Compared to an average industry Dividend Yield of 3.79, 3V64 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
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
3V64 pays out 22.56% 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.
DP22.56%
EPS Next 2Y13.62%
EPS Next 3Y13.41%
FRA:3V64 (7/4/2025, 7:00:00 PM)
303.5
-1 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.44%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap588.54B
Analysts81.28
Price Target349.97 (15.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
Yearly Dividend1.8
Dividend Growth(5Y)15.24%
DP22.56%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.12%
Min EPS beat(2)0.92%
Max EPS beat(2)1.33%
EPS beat(4)3
Avg EPS beat(4)0.83%
Min EPS beat(4)-1.88%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)0.92%
EPS beat(12)11
Avg EPS beat(12)2.46%
EPS beat(16)15
Avg EPS beat(16)3.22%
Revenue beat(2)0
Avg Revenue beat(2)-0.85%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)-0.19%
Revenue beat(4)0
Avg Revenue beat(4)-1.13%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)-0.19%
Revenue beat(8)0
Avg Revenue beat(8)-1.04%
Revenue beat(12)4
Avg Revenue beat(12)-0.39%
Revenue beat(16)7
Avg Revenue beat(16)0.07%
PT rev (1m)2.73%
PT rev (3m)-4.04%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)0.29%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.61 | ||
| Fwd PE | 27.56 | ||
| P/S | 18.43 | ||
| P/FCF | 33.81 | ||
| P/OCF | 31.68 | ||
| P/B | 18.23 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.8 |
EPS(TTM)9.03
EY2.98%
EPS(NY)11.01
Fwd EY3.63%
FCF(TTM)8.98
FCFY2.96%
OCF(TTM)9.58
OCFY3.16%
SpS16.47
BVpS16.65
TBVpS-3.51
PEG (NY)2.24
PEG (5Y)2.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.15% | ||
| ROE | 51.65% | ||
| ROCE | 40.05% | ||
| ROIC | 32.98% | ||
| ROICexc | 42.28% | ||
| ROICexgc | 771.01% | ||
| OM | 66.51% | ||
| PM (TTM) | 52.21% | ||
| GM | 80.09% | ||
| FCFM | 54.51% |
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-Score8
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | 0.64 | ||
| Cap/Depr | 122.76% | ||
| Cap/Sales | 3.67% | ||
| Interest Coverage | 42.92 | ||
| Cash Conversion | 83.71% | ||
| Profit Quality | 104.41% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 9.19 |
F-Score8
WACC8.76%
ROIC/WACC3.76
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)13.07%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%9.96%
EPS Next Y15.01%
EPS Next 2Y13.62%
EPS Next 3Y13.41%
EPS Next 5Y13.72%
Revenue 1Y (TTM)10.19%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%9.33%
Revenue Next Year10.1%
Revenue Next 2Y10.23%
Revenue Next 3Y10.13%
Revenue Next 5Y11.16%
EBIT growth 1Y9.24%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year14.33%
EBIT Next 3Y12%
EBIT Next 5Y11.53%
FCF growth 1Y12.87%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y14.25%
OCF growth 3Y9.42%
OCF growth 5Y9.31%