VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - BIT:1V - US92826C8394 - Common Stock
298.9 EUR
+0.6 (+0.2%)
Taking everything into account, 1V scores 7 out of 10 in our fundamental rating. 1V was compared to 51 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 valued quite expensive, but it does show an excellent growth. With these ratings, 1V could be worth investigating further for growth and 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.
1V had positive earnings in 4 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 98.04% of its industry peers.
With an excellent Return On Equity value of 51.89%, 1V belongs to the best of the industry, outperforming 96.08% of the companies in the same industry.
1V's Return On Invested Capital of 32.46% is amongst the best of the industry. 1V outperforms 98.04% 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 10.03%.
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
With an excellent Profit Margin value of 51.58%, 1V belongs to the best of the industry, outperforming 96.08% 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 94.12% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
1V has a better Gross Margin (80.23%) than 76.47% 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 | 66.5% | ||
| 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.
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 is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 8.02 indicates that 1V is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 8.02, 1V belongs to the best of the industry, outperforming 90.20% 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 84.31% 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 50.98% of its industry peers.
Although 1V does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | 8.02 |
ROIC/WACC3.81
WACC8.53%
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.
The Current ratio of 1V (1.12) is worse than 64.71% of its industry peers.
1V has a Quick 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's Quick ratio of 1.12 is on the low side compared to the rest of the industry. 1V is outperformed by 62.75% 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
1V shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.82%, 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.
1V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.38%.
Measured over the past years, 1V shows a quite strong growth in Revenue. The Revenue has been growing by 9.35% on average per year.
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.
Based on estimates for the next years, 1V will show a quite strong growth in Revenue. The Revenue will grow by 12.13% on average per year.
EPS Next Y16.08%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
EPS Next 5Y13.72%
Revenue Next Year11.12%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y12.13%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
1V is valuated quite expensively with a Price/Earnings ratio of 30.81.
The rest of the industry has a similar Price/Earnings ratio as 1V.
When comparing the Price/Earnings ratio of 1V to the average of the S&P500 Index (26.10), we can say 1V is valued inline with the index average.
With a Price/Forward Earnings ratio of 26.37, 1V can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1V is on the same level as its industry peers.
1V is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.81 | ||
| Fwd PE | 26.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1V is on the same level as its industry peers.
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 | 30.12 | ||
| EV/EBITDA | 24.74 |
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.
A more expensive valuation may be justified as 1V's earnings are expected to grow with 13.69% in the coming years.
PEG (NY)1.92
PEG (5Y)2.37
EPS Next 2Y14.14%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.78%, which is pretty low.
1V's Dividend Yield is comparable with the industry average which is at 3.47.
With a Dividend Yield of 0.78, 1V pays less dividend than the S&P500 average, which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
5.2 History
On average, the dividend of 1V grows each year by 13.82%, which is quite nice.
Dividend Growth(5Y)13.82%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1V pays out 22.58% 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.
DP22.58%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
BIT:1V (10/22/2025, 7:00:00 PM)
298.9
+0.6 (+0.2%)
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 Cap575.86B
Revenue(TTM)38.89B
Net Income(TTM)20.06B
Analysts80.89
Price Target345.22 (15.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend2.06
Dividend Growth(5Y)13.82%
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)-0.13%
PT rev (3m)-2.67%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-1.22%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.81 | ||
| Fwd PE | 26.37 | ||
| P/S | 17.1 | ||
| P/FCF | 30.12 | ||
| P/OCF | 28.32 | ||
| P/B | 17.2 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.74 |
EPS(TTM)9.7
EY3.25%
EPS(NY)11.34
Fwd EY3.79%
FCF(TTM)9.92
FCFY3.32%
OCF(TTM)10.55
OCFY3.53%
SpS17.48
BVpS17.38
TBVpS-3.99
PEG (NY)1.92
PEG (5Y)2.37
Graham Number61.58
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%
ROICexgc growth 3Y3.03%
ROICexgc 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 | 8.02 |
F-Score7
WACC8.53%
ROIC/WACC3.81
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 Y16.08%
EPS Next 2Y14.14%
EPS Next 3Y13.69%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year11.12%
Revenue Next 2Y10.91%
Revenue Next 3Y10.62%
Revenue Next 5Y12.13%
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.96%
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%
VISA INC-CLASS A SHARES / 1V.MI FAQ
Can you provide the ChartMill fundamental rating for VISA INC-CLASS A SHARES?
ChartMill assigns a fundamental rating of 7 / 10 to 1V.MI.
Can you provide the valuation status for VISA INC-CLASS A SHARES?
ChartMill assigns a valuation rating of 3 / 10 to VISA INC-CLASS A SHARES (1V.MI). This can be considered as Overvalued.
How profitable is VISA INC-CLASS A SHARES (1V.MI) stock?
VISA INC-CLASS A SHARES (1V.MI) has a profitability rating of 9 / 10.
What is the financial health of VISA INC-CLASS A SHARES (1V.MI) stock?
The financial health rating of VISA INC-CLASS A SHARES (1V.MI) is 9 / 10.
Can you provide the dividend sustainability for 1V stock?
The dividend rating of VISA INC-CLASS A SHARES (1V.MI) is 3 / 10 and the dividend payout ratio is 22.58%.