VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - BIT:1V - US92826C8394 - Common Stock
297.1 EUR
+5.1 (+1.75%)
1V gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 49 industry peers in the Financial Services industry. 1V has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. While showing a medium growth rate, 1V is valued expensive at the moment. This makes 1V very considerable 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.
1V had positive earnings in each of the past 5 years.
1V had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of 1V (20.06%) is better than 89.80% of its industry peers.
1V has a better Return On Equity (51.89%) than 91.84% of its industry peers.
Looking at the Return On Invested Capital, with a value of 32.46%, 1V belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for 1V is significantly above the industry average of 11.58%.
The 3 year average ROIC (27.02%) for 1V is below the current ROIC(32.46%), indicating increased profibility in the last year.
| 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
1V's Profit Margin of 51.58% is amongst the best of the industry. 1V outperforms 89.80% of its industry peers.
In the last couple of years the Profit Margin of 1V has remained more or less at the same level.
1V has a Operating Margin of 66.50%. This is amongst the best in the industry. 1V outperforms 87.76% 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 80.23%. This is in the better half of the industry: 1V outperforms 71.43% 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.
The number of shares outstanding for 1V has been reduced compared to 1 year ago.
The number of shares outstanding for 1V has been reduced compared to 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 8.09 indicates that 1V is not in any danger for bankruptcy at the moment.
1V has a better Altman-Z score (8.09) than 89.80% of its industry peers.
The Debt to FCF ratio of 1V is 1.14, which is an excellent value as it means it would take 1V, only 1.14 years of fcf income to pay off all of its debts.
1V's Debt to FCF ratio of 1.14 is amongst the best of the industry. 1V outperforms 81.63% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that 1V is somewhat dependend on debt financing.
1V's Debt to Equity ratio of 0.51 is in line compared to the rest of the industry. 1V outperforms 48.98% 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 | 8.09 |
ROIC/WACC3.8
WACC8.55%
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 worse Current ratio (1.12) than 61.22% of its industry peers.
A Quick Ratio of 1.12 indicates that 1V should not have too much problems paying its short term obligations.
1V has a Quick ratio of 1.12. This is comparable to the rest of the industry: 1V outperforms 40.82% 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 | 1.12 | ||
| 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
Based on estimates for the next years, 1V will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.72% on average per year.
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
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
Based on the Price/Earnings ratio of 31.18, the valuation of 1V can be described as expensive.
1V's Price/Earnings is on the same level as the industry average.
1V's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.86.
The Price/Forward Earnings ratio is 26.65, which means the current valuation is very expensive for 1V.
The rest of the industry has a similar Price/Forward Earnings ratio as 1V.
1V's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.18 | ||
| Fwd PE | 26.65 |
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 | 30.47 | ||
| EV/EBITDA | 25.02 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1V does not grow enough to justify the current Price/Earnings ratio.
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 13.78% in the coming years.
PEG (NY)1.94
PEG (5Y)2.39
EPS Next 2Y14.18%
EPS Next 3Y13.78%
5. Dividend
5.1 Amount
No dividends for 1V!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1V (10/1/2025, 7:00:00 PM)
297.1
+5.1 (+1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.3%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap572.39B
Analysts80.89
Price Target341.91 (15.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend1.8
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 | 31.18 | ||
| Fwd PE | 26.65 | ||
| P/S | 17.3 | ||
| P/FCF | 30.47 | ||
| P/OCF | 28.65 | ||
| P/B | 17.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.02 |
EPS(TTM)9.53
EY3.21%
EPS(NY)11.15
Fwd EY3.75%
FCF(TTM)9.75
FCFY3.28%
OCF(TTM)10.37
OCFY3.49%
SpS17.17
BVpS17.07
TBVpS-3.92
PEG (NY)1.94
PEG (5Y)2.39
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 | 8.09 |
F-Score7
WACC8.55%
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)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%