VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - BIT:1V - US92826C8394 - Common Stock
298.8 EUR
+2.85 (+0.96%)
We assign a fundamental rating of 7 out of 10 to 1V. 1V was compared to 46 industry peers in the Financial Services industry. 1V scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 1V is valied quite expensively at the moment, while it does show a decent growth rate. With these ratings, 1V could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year 1V was profitable.
1V had a positive operating cash flow in the past year.
1V had positive earnings in each of the past 5 years.
Each year in the past 5 years 1V had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 20.06%, 1V belongs to the best of the industry, outperforming 91.30% of the companies in the same industry.
1V has a Return On Equity of 51.89%. This is amongst the best in the industry. 1V outperforms 93.48% of its industry peers.
1V's Return On Invested Capital of 32.46% is amongst the best of the industry. 1V outperforms 95.65% of its industry peers.
1V had an Average Return On Invested Capital over the past 3 years of 27.02%. This is significantly above the industry average of 10.94%.
The last Return On Invested Capital (32.46%) for 1V 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
With an excellent Profit Margin value of 51.58%, 1V belongs to the best of the industry, outperforming 86.96% of the companies in the same industry.
In the last couple of years the Profit Margin of 1V has remained more or less at the same level.
The Operating Margin of 1V (66.50%) is better than 86.96% of its industry peers.
In the last couple of years the Operating Margin of 1V has remained more or less at the same level.
1V has a better Gross Margin (80.23%) than 69.57% of its industry peers.
1V's Gross Margin has been stable in the last couple of years.
| 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 1V is creating value.
Compared to 1 year ago, 1V has less shares outstanding
1V has less shares outstanding than it did 5 years ago.
1V has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 8.11 indicates that 1V is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 8.11, 1V belongs to the top of the industry, outperforming 91.30% of the companies in the same industry.
1V has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
1V has a better Debt to FCF ratio (1.14) than 82.61% of its industry peers.
1V has a Debt/Equity ratio of 0.51. This is a neutral value indicating 1V is somewhat dependend on debt financing.
1V has a Debt to Equity ratio of 0.51. This is comparable to the rest of the industry: 1V outperforms 50.00% of its industry peers.
Even though the debt/equity ratio score it not favorable for 1V, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | 8.11 |
ROIC/WACC3.83
WACC8.48%
2.3 Liquidity
1V has a Current Ratio of 1.12. This is a normal value and indicates that 1V is financially healthy and should not expect problems in meeting its short term obligations.
1V has a Current ratio (1.12) which is in line with its industry peers.
A Quick Ratio of 1.12 indicates that 1V should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.12, 1V perfoms like the industry average, outperforming 45.65% of the companies in the same industry.
The current and quick ratio evaluation for 1V 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.
Measured over the past years, 1V 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 11.38% in the past year. This is quite good.
1V shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.35% yearly.
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
The Earnings Per Share is expected to grow by 13.72% on average over the next years. This is quite good.
1V is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.28% yearly.
EPS Next Y16.1%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
EPS Next 5Y13.72%
Revenue Next Year11.11%
Revenue Next 2Y10.89%
Revenue Next 3Y10.58%
Revenue Next 5Y10.28%
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
With a Price/Earnings ratio of 31.26, 1V can be considered very expensive at the moment.
The rest of the industry has a similar Price/Earnings ratio as 1V.
Compared to an average S&P500 Price/Earnings ratio of 27.30, 1V is valued at the same level.
With a Price/Forward Earnings ratio of 26.72, 1V can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, 1V is valued a bit more expensive than the industry average as 60.87% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.73. 1V is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.26 | ||
| Fwd PE | 26.72 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1V.
1V's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.55 | ||
| EV/EBITDA | 25.09 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of 1V may justify a higher PE ratio.
1V's earnings are expected to grow with 13.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.94
PEG (5Y)2.4
EPS Next 2Y14.18%
EPS Next 3Y13.78%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.69%, which is pretty low.
Compared to an average industry Dividend Yield of 3.54, 1V has a dividend in line with its industry peers.
With a Dividend Yield of 0.69, 1V pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
5.2 History
On average, the dividend of 1V grows each year by 15.24%, which is quite nice.
Dividend Growth(5Y)15.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
22.58% of the earnings are spent on dividend by 1V. This is a low number and sustainable payout ratio.
1V's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.58%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
BIT:1V (9/3/2025, 7:00:00 PM)
298.8
+2.85 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.96%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap575.67B
Analysts80.91
Price Target342.35 (14.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
Yearly Dividend1.81
Dividend Growth(5Y)15.24%
DP22.58%
Div Incr Years0
Div Non Decr Years0
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)-0.47%
PT rev (3m)0.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.27%
EPS NY rev (1m)0.96%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.26 | ||
| Fwd PE | 26.72 | ||
| P/S | 17.34 | ||
| P/FCF | 30.55 | ||
| P/OCF | 28.72 | ||
| P/B | 17.45 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.09 |
EPS(TTM)9.56
EY3.2%
EPS(NY)11.18
Fwd EY3.74%
FCF(TTM)9.78
FCFY3.27%
OCF(TTM)10.4
OCFY3.48%
SpS17.23
BVpS17.13
TBVpS-3.93
PEG (NY)1.94
PEG (5Y)2.4
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 | 8.11 |
F-Score7
WACC8.48%
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 Y16.1%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year11.11%
Revenue Next 2Y10.89%
Revenue Next 3Y10.58%
Revenue Next 5Y10.28%
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.6%
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%