VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
BIT:1V - Euronext Milan - US92826C8394 - Common Stock - Currency: EUR
Overall 1V gets a fundamental rating of 7 out of 10. We evaluated 1V against 51 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. These ratings could make 1V a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
1V had positive earnings in the past year.
1V had a positive operating cash flow in the past year.
In the past 5 years 1V has always been profitable.
In the past 5 years 1V always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 21.15%, 1V belongs to the best of the industry, outperforming 90.20% of the companies in the same industry.
The Return On Equity of 1V (51.65%) is better than 90.20% of its industry peers.
1V has a Return On Invested Capital of 32.98%. This is amongst the best in the industry. 1V outperforms 94.12% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 1V is significantly above the industry average of 12.61%.
The last Return On Invested Capital (32.98%) for 1V 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%, 1V belongs to the best of the industry, outperforming 92.16% of the companies in the same industry.
1V's Profit Margin has been stable in the last couple of years.
1V has a better Operating Margin (66.51%) than 90.20% 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 Gross Margin of 80.09%. This is in the better half of the industry: 1V outperforms 70.59% of its industry peers.
In the last couple of years the Gross Margin of 1V 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
1V has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The number of shares outstanding for 1V has been reduced compared to 1 year ago.
1V has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1V has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 8.78 indicates that 1V is not in any danger for bankruptcy at the moment.
1V's Altman-Z score of 8.78 is amongst the best of the industry. 1V outperforms 90.20% of its industry peers.
1V 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.
The Debt to FCF ratio of 1V (1.01) is better than 88.24% of its industry peers.
1V has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of 1V (0.44) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | 8.78 |
ROIC/WACC3.8
WACC8.67%
2.3 Liquidity
1V has a Current Ratio of 1.08. 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 (1.08) which is comparable to the rest of the industry.
1V has a Quick Ratio of 1.08. This is a normal value and indicates that 1V is financially healthy and should not expect problems in meeting its short term obligations.
1V's Quick ratio of 1.08 is in line compared to the rest of the industry. 1V outperforms 49.02% of its industry peers.
1V does not score too well on the current and quick ratio evaluation. However, as it has 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
1V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.07%, which is quite good.
1V shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.02% yearly.
The Revenue has grown by 10.19% in the past year. This is quite good.
The Revenue has been growing by 9.35% on average over the past years. This is quite good.
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
1V is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.72% yearly.
Based on estimates for the next years, 1V will show a quite strong growth in Revenue. The Revenue will grow by 11.16% on average per year.
EPS Next Y15%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
EPS Next 5Y13.72%
Revenue Next Year10.1%
Revenue Next 2Y10.2%
Revenue Next 3Y10.09%
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
1V is valuated quite expensively with a Price/Earnings ratio of 31.32.
1V's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of 1V to the average of the S&P500 Index (26.48), we can say 1V is valued inline with the index average.
With a Price/Forward Earnings ratio of 25.72, 1V can be considered very expensive at the moment.
1V's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.04. 1V is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.32 | ||
| Fwd PE | 25.72 |
4.2 Price Multiples
1V's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1V is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.52 | ||
| EV/EBITDA | 25.37 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
1V has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as 1V's earnings are expected to grow with 13.34% in the coming years.
PEG (NY)2.09
PEG (5Y)2.41
EPS Next 2Y13.57%
EPS Next 3Y13.34%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.71%, which is pretty low.
1V's Dividend Yield is comparable with the industry average which is at 3.57.
With a Dividend Yield of 0.71, 1V pays less dividend than the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
5.2 History
The dividend of 1V is nicely growing with an annual growth rate of 15.24%!
Dividend Growth(5Y)15.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1V pays out 22.56% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1V is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.56%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
BIT:1V (8/8/2025, 7:00:00 PM)
286.3
-5.35 (-1.83%)
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 Cap552.53B
Analysts80.87
Price Target343.98 (20.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
Yearly Dividend1.82
Dividend Growth(5Y)15.24%
DP22.56%
Div Incr Years0
Div Non Decr Years0
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)-0.77%
PT rev (3m)2.01%
EPS NQ rev (1m)0.42%
EPS NQ rev (3m)0.68%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.32 | ||
| Fwd PE | 25.72 | ||
| P/S | 17.18 | ||
| P/FCF | 31.52 | ||
| P/OCF | 29.53 | ||
| P/B | 17 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.37 |
EPS(TTM)9.14
EY3.19%
EPS(NY)11.13
Fwd EY3.89%
FCF(TTM)9.08
FCFY3.17%
OCF(TTM)9.69
OCFY3.39%
SpS16.66
BVpS16.84
TBVpS-3.55
PEG (NY)2.09
PEG (5Y)2.41
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 | 8.78 |
F-Score8
WACC8.67%
ROIC/WACC3.8
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%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
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 2Y10.2%
Revenue Next 3Y10.09%
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%