VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
FRA:3V64 - Deutsche Boerse Ag - US92826C8394 - Common Stock - Currency: EUR
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 50 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 quite expensive at the moment. It does show a decent growth rate. This makes 3V64 very considerable 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.
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's Return On Assets of 21.44% is amongst the best of the industry. 3V64 outperforms 90.00% of its industry peers.
3V64's Return On Equity of 51.45% is amongst the best of the industry. 3V64 outperforms 94.00% of its industry peers.
The Return On Invested Capital of 3V64 (31.95%) is better than 94.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 11.19%.
The last Return On Invested Capital (31.95%) for 3V64 is above the 3 year average (27.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.44% | ||
| ROE | 51.45% | ||
| ROIC | 31.95% |
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
Looking at the Profit Margin, with a value of 53.54%, 3V64 belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
3V64's Profit Margin has been stable in the last couple of years.
With an excellent Operating Margin value of 66.22%, 3V64 belongs to the best of the industry, outperforming 94.00% of the companies in the same industry.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
The Gross Margin of 3V64 (79.89%) is better than 78.00% 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 | 66.22% | ||
| PM (TTM) | 53.54% | ||
| GM | 79.89% |
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 3V64 is creating value.
3V64 has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 3V64 has less shares outstanding
3V64 has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 9.03 indicates that 3V64 is not in any danger for bankruptcy at the moment.
3V64's Altman-Z score of 9.03 is amongst the best of the industry. 3V64 outperforms 90.00% of its industry peers.
3V64 has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.01, 3V64 belongs to the top of the industry, outperforming 86.00% 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 of 0.44. This is comparable to the rest of the industry: 3V64 outperforms 48.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | 9.03 |
ROIC/WACC2.06
WACC15.51%
2.3 Liquidity
A Current Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
The Current ratio of 3V64 (1.12) is comparable to the rest of the industry.
A Quick Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.12, 3V64 perfoms like the industry average, outperforming 52.00% 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
3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.57%, which is quite good.
The Earnings Per Share has been growing by 13.02% on average over the past years. This is quite good.
Looking at the last year, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 10.35% in the last year.
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)15.57%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%14.11%
Revenue 1Y (TTM)10.35%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%10.15%
3.2 Future
Based on estimates for the next years, 3V64 will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.53% on average per year.
3V64 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.65% yearly.
EPS Next Y14.68%
EPS Next 2Y13.77%
EPS Next 3Y13.47%
EPS Next 5Y13.53%
Revenue Next Year10.37%
Revenue Next 2Y10.38%
Revenue Next 3Y10.91%
Revenue Next 5Y10.65%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 32.75, 3V64 can be considered very expensive at the moment.
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 (29.35), we can say 3V64 is valued inline with the index average.
The Price/Forward Earnings ratio is 26.15, which means the current valuation is very expensive for 3V64.
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 22.10, 3V64 is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.75 | ||
| Fwd PE | 26.15 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 3V64 is on the same level as its industry peers.
3V64's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.59 | ||
| EV/EBITDA | 26.3 |
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 13.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.23
PEG (5Y)2.52
EPS Next 2Y13.77%
EPS Next 3Y13.47%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.69%, which is pretty low.
Compared to an average industry Dividend Yield of 3.76, 3V64 has a dividend in line with its industry peers.
With a Dividend Yield of 0.69, 3V64 pays less dividend than the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
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 21.96% 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.
DP21.96%
EPS Next 2Y13.77%
EPS Next 3Y13.47%
FRA:3V64 (3/7/2025, 7:00:00 PM)
313.4
-7.95 (-2.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners89.97%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap612.25B
Analysts81.7
Price Target364.69 (16.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
Yearly Dividend1.95
Dividend Growth(5Y)15.24%
DP21.96%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.14%
Min EPS beat(2)1.33%
Max EPS beat(2)2.94%
EPS beat(4)3
Avg EPS beat(4)0.85%
Min EPS beat(4)-1.88%
Max EPS beat(4)2.94%
EPS beat(8)7
Avg EPS beat(8)1.2%
EPS beat(12)11
Avg EPS beat(12)2.94%
EPS beat(16)15
Avg EPS beat(16)3.57%
Revenue beat(2)0
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-0.67%
Max Revenue beat(2)-0.19%
Revenue beat(4)0
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)-0.19%
Revenue beat(8)1
Avg Revenue beat(8)-0.79%
Revenue beat(12)5
Avg Revenue beat(12)0%
Revenue beat(16)8
Avg Revenue beat(16)0.24%
PT rev (1m)10.07%
PT rev (3m)15.68%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)-0.24%
EPS NY rev (1m)1.04%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.16%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.75 | ||
| Fwd PE | 26.15 | ||
| P/S | 18.06 | ||
| P/FCF | 32.59 | ||
| P/OCF | 30.59 | ||
| P/B | 17.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.3 |
EPS(TTM)9.57
EY3.05%
EPS(NY)11.98
Fwd EY3.82%
FCF(TTM)9.62
FCFY3.07%
OCF(TTM)10.25
OCFY3.27%
SpS17.35
BVpS18.06
TBVpS-3.37
PEG (NY)2.23
PEG (5Y)2.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 21.44% | ||
| ROE | 51.45% | ||
| ROCE | 38.81% | ||
| ROIC | 31.95% | ||
| ROICexc | 41.4% | ||
| ROICexgc | 663.1% | ||
| OM | 66.22% | ||
| PM (TTM) | 53.54% | ||
| GM | 79.89% | ||
| FCFM | 55.42% |
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 Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 124.88% | ||
| Cap/Sales | 3.63% | ||
| Interest Coverage | 41.8 | ||
| Cash Conversion | 85.42% | ||
| Profit Quality | 103.51% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 9.03 |
F-Score8
WACC15.51%
ROIC/WACC2.06
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)15.57%
EPS 3Y19.36%
EPS 5Y13.02%
EPS Q2Q%14.11%
EPS Next Y14.68%
EPS Next 2Y13.77%
EPS Next 3Y13.47%
EPS Next 5Y13.53%
Revenue 1Y (TTM)10.35%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%10.15%
Revenue Next Year10.37%
Revenue Next 2Y10.38%
Revenue Next 3Y10.91%
Revenue Next 5Y10.65%
EBIT growth 1Y8.52%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.79%
EBIT Next 3Y12.19%
EBIT Next 5Y10.74%
FCF growth 1Y14.96%
FCF growth 3Y8.78%
FCF growth 5Y9.22%
OCF growth 1Y15.67%
OCF growth 3Y9.42%
OCF growth 5Y9.31%