VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
296.45 EUR
-4.55 (-1.51%)
Taking everything into account, 1V scores 7 out of 10 in our fundamental rating. 1V was compared to 58 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.
In the past year 1V had a positive cash flow from operations.
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
1V has a Return On Assets of 19.93%. This is amongst the best in the industry. 1V outperforms 94.83% of its industry peers.
1V's Return On Equity of 52.38% is amongst the best of the industry. 1V outperforms 93.10% of its industry peers.
Looking at the Return On Invested Capital, with a value of 34.02%, 1V belongs to the top of the industry, outperforming 94.83% 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 9.69%.
The 3 year average ROIC (30.07%) for 1V is below the current ROIC(34.02%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.93% | ||
| ROE | 52.38% | ||
| ROIC | 34.02% |
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
1.3 Margins
1V has a Profit Margin of 49.64%. This is amongst the best in the industry. 1V outperforms 94.83% of its industry peers.
1V's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 66.39%, 1V belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
1V's Operating Margin has been stable in the last couple of years.
1V has a better Gross Margin (80.36%) than 77.59% of its industry peers.
1V's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 66.39% | ||
| PM (TTM) | 49.64% | ||
| GM | 80.36% |
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1V 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.
Compared to 1 year ago, 1V has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 8.01 indicates that 1V is not in any danger for bankruptcy at the moment.
1V's Altman-Z score of 8.01 is amongst the best of the industry. 1V outperforms 87.93% of its industry peers.
1V has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
1V has a better Debt to FCF ratio (1.17) than 81.03% of its industry peers.
1V has a Debt/Equity ratio of 0.52. This is a neutral value indicating 1V is somewhat dependend on debt financing.
The Debt to Equity ratio of 1V (0.52) is comparable to the rest of the industry.
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 | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 8.01 |
ROIC/WACC3.97
WACC8.57%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
1V has a worse Current ratio (1.08) than 60.34% of its industry peers.
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 doing worse than 60.34% of the companies in the same industry.
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
The Earnings Per Share has grown by an nice 14.13% over the past year.
The Earnings Per Share has been growing by 17.92% on average over the past years. This is quite good.
The Revenue has grown by 11.34% in the past year. This is quite good.
Measured over the past years, 1V shows a quite strong growth in Revenue. The Revenue has been growing by 12.86% on average per year.
EPS 1Y (TTM)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
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 13.62% on average per year.
The Revenue is expected to grow by 10.38% on average over the next years. This is quite good.
EPS Next Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.62%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
Revenue Next 3Y10.38%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 30.37, 1V can be considered very expensive at the moment.
1V's Price/Earnings ratio is in line with the industry average.
1V's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.60.
The Price/Forward Earnings ratio is 26.72, which means the current valuation is very expensive for 1V.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1V is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, 1V is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.37 | ||
| Fwd PE | 26.72 |
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 | 30.9 | ||
| EV/EBITDA | 24.16 |
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 12.92% in the coming years.
PEG (NY)2.22
PEG (5Y)1.69
EPS Next 2Y13.26%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.76%, which is pretty low.
1V's Dividend Yield is comparable with the industry average which is at 2.04.
Compared to an average S&P500 Dividend Yield of 1.94, 1V's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
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
23.34% 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.
DP23.34%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
BIT:1V (1/2/2026, 7:00:00 PM)
296.45
-4.55 (-1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap567.43B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target342.24 (15.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
Yearly Dividend2.03
Dividend Growth(5Y)13.82%
DP23.34%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.59%
Min EPS beat(2)-1.51%
Max EPS beat(2)2.69%
EPS beat(4)3
Avg EPS beat(4)0.86%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)6
Avg EPS beat(8)0.83%
EPS beat(12)10
Avg EPS beat(12)1.5%
EPS beat(16)14
Avg EPS beat(16)2.6%
Revenue beat(2)1
Avg Revenue beat(2)0.19%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.67%
Revenue beat(12)3
Avg Revenue beat(12)-0.53%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)-2.09%
PT rev (3m)0.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.56%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.37 | ||
| Fwd PE | 26.72 | ||
| P/S | 16.67 | ||
| P/FCF | 30.9 | ||
| P/OCF | 28.91 | ||
| P/B | 17.59 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.16 |
EPS(TTM)9.76
EY3.29%
EPS(NY)11.1
Fwd EY3.74%
FCF(TTM)9.59
FCFY3.24%
OCF(TTM)10.25
OCFY3.46%
SpS17.79
BVpS16.86
TBVpS-4.28
PEG (NY)2.22
PEG (5Y)1.69
Graham Number60.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.93% | ||
| ROE | 52.38% | ||
| ROCE | 41.12% | ||
| ROIC | 34.02% | ||
| ROICexc | 48.2% | ||
| ROICexgc | N/A | ||
| OM | 66.39% | ||
| PM (TTM) | 49.64% | ||
| GM | 80.36% | ||
| FCFM | 53.94% |
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
ROICexc(3y)41.42%
ROICexc(5y)37.31%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)36.35%
ROCE(5y)32.62%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y10.83%
ROICexc growth 5Y13.9%
OM growth 3Y-0.48%
OM growth 5Y0.58%
PM growth 3Y-0.19%
PM growth 5Y0.69%
GM growth 3Y-0.07%
GM growth 5Y0.25%
F-Score6
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 0.71 | ||
| Cap/Depr | 121.48% | ||
| Cap/Sales | 3.71% | ||
| Interest Coverage | 45.24 | ||
| Cash Conversion | 83.02% | ||
| Profit Quality | 108.67% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 8.01 |
F-Score6
WACC8.57%
ROIC/WACC3.97
Cap/Depr(3y)118.45%
Cap/Depr(5y)111.14%
Cap/Sales(3y)3.48%
Cap/Sales(5y)3.34%
Profit Quality(3y)106.9%
Profit Quality(5y)112.77%
High Growth Momentum
Growth
EPS 1Y (TTM)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
EPS Next Y13.67%
EPS Next 2Y13.26%
EPS Next 3Y12.92%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.43%
Revenue Next 2Y10.79%
Revenue Next 3Y10.38%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.85%
EBIT Next 3Y11.99%
EBIT Next 5Y11.45%
FCF growth 1Y15.43%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y15.58%
OCF growth 3Y6.95%
OCF growth 5Y17.17%
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.
What is the valuation status of VISA INC-CLASS A SHARES (1V.MI) stock?
ChartMill assigns a valuation rating of 3 / 10 to VISA INC-CLASS A SHARES (1V.MI). This can be considered as Overvalued.
What is the profitability of 1V stock?
VISA INC-CLASS A SHARES (1V.MI) has a profitability rating of 9 / 10.
Can you provide the financial health for 1V stock?
The financial health rating of VISA INC-CLASS A SHARES (1V.MI) is 9 / 10.
How sustainable is the dividend of VISA INC-CLASS A SHARES (1V.MI) stock?
The dividend rating of VISA INC-CLASS A SHARES (1V.MI) is 3 / 10 and the dividend payout ratio is 23.34%.