VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
BIT:1V - Euronext Milan - US92826C8394 - Common Stock - Currency: EUR
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 gets an excellent profitability rating and is at the same time showing great financial health properties. 1V is valied quite expensively at the moment, while it does show a decent growth rate. These ratings would make 1V suitable for quality investing!
1. Profitability
1.1 Basic Checks
In the past year 1V was profitable.
In the past year 1V had a positive cash flow from operations.
Each year in the past 5 years 1V has been profitable.
Each year in the past 5 years 1V had a positive operating cash flow.
1.2 Ratios
1V has a Return On Assets of 21.15%. This is amongst the best in the industry. 1V outperforms 92.16% of its industry peers.
Looking at the Return On Equity, with a value of 51.65%, 1V belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
1V has a better Return On Invested Capital (32.98%) than 96.08% 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 9.04%.
The 3 year average ROIC (27.02%) for 1V is below the current ROIC(32.98%), indicating increased profibility in the last year.
| 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.
The Operating Margin of 1V (66.51%) is better than 90.20% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
1V has a Gross Margin of 80.09%. This is in the better half of the industry: 1V outperforms 74.51% of its industry peers.
1V's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1V is creating value.
1V has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1V has less shares outstanding
The debt/assets ratio for 1V has been reduced compared to a year ago.
2.2 Solvency
1V has an Altman-Z score of 8.97. This indicates that 1V is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of 1V (8.97) is better than 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.
With an excellent Debt to FCF ratio value of 1.01, 1V belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
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 | 8.97 |
ROIC/WACC3.73
WACC8.84%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
The Current ratio of 1V (1.08) 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.
Looking at the Quick ratio, with a value of 1.08, 1V is in line with its industry, outperforming 54.90% 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 | 1.08 | ||
| 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.
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 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
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 11.16% yearly.
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
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
The Price/Earnings ratio is 32.72, which means the current valuation is very expensive for 1V.
Compared to the rest of the industry, the Price/Earnings ratio of 1V is on the same level as its industry peers.
When comparing the Price/Earnings ratio of 1V to the average of the S&P500 Index (27.41), we can say 1V is valued inline with the index average.
1V is valuated quite expensively with a Price/Forward Earnings ratio of 26.86.
1V's Price/Forward Earnings is on the same level as the industry average.
1V's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.72 | ||
| Fwd PE | 26.86 |
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 | 32.93 | ||
| EV/EBITDA | 26.01 |
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 13.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.18
PEG (5Y)2.51
EPS Next 2Y13.57%
EPS Next 3Y13.34%
5. Dividend
5.1 Amount
With a yearly dividend of 0.66%, 1V is not a good candidate for dividend investing.
1V's Dividend Yield is comparable with the industry average which is at 3.93.
Compared to an average S&P500 Dividend Yield of 2.35, 1V'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 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
1V pays out 22.56% of its income as dividend. This is a sustainable payout ratio.
1V's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.56%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
BIT:1V (7/2/2025, 7:00:00 PM)
298.05
+4.2 (+1.43%)
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 Cap577.97B
Analysts81.28
Price Target351.29 (17.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
Yearly Dividend1.81
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)2.86%
PT rev (3m)0.53%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.31%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.72 | ||
| Fwd PE | 26.86 | ||
| P/S | 17.95 | ||
| P/FCF | 32.93 | ||
| P/OCF | 30.85 | ||
| P/B | 17.76 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.01 |
EPS(TTM)9.11
EY3.06%
EPS(NY)11.1
Fwd EY3.72%
FCF(TTM)9.05
FCFY3.04%
OCF(TTM)9.66
OCFY3.24%
SpS16.61
BVpS16.79
TBVpS-3.54
PEG (NY)2.18
PEG (5Y)2.51
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 | 8.97 |
F-Score8
WACC8.84%
ROIC/WACC3.73
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%