VISA INC-CLASS A SHARES (1V.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1V - US92826C8394 - Common Stock
285.75 EUR
-4.85 (-1.67%)
Taking everything into account, 1V scores 7 out of 10 in our fundamental rating. 1V was compared to 53 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. With these ratings, 1V could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year 1V was profitable.
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 19.93%, 1V belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
Looking at the Return On Equity, with a value of 52.38%, 1V belongs to the top of the industry, outperforming 94.23% of the companies in the same industry.
The Return On Invested Capital of 1V (34.02%) is better than 96.15% 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 8.74%.
The last Return On Invested Capital (34.02%) for 1V is above the 3 year average (30.07%), which is a sign of increasing profitability.
| 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
The Profit Margin of 1V (49.64%) is better than 94.23% 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 66.39%. This is amongst the best in the industry. 1V outperforms 92.31% of its industry peers.
1V's Operating Margin has been stable in the last couple of years.
The Gross Margin of 1V (80.36%) is better than 75.00% 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
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.
1V has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1V is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 7.81 indicates that 1V is not in any danger for bankruptcy at the moment.
1V's Altman-Z score of 7.81 is amongst the best of the industry. 1V outperforms 90.38% of its industry peers.
The Debt to FCF ratio of 1V is 1.17, which is an excellent value as it means it would take 1V, only 1.17 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.17, 1V belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.
A Debt/Equity ratio of 0.52 indicates that 1V is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.52, 1V perfoms like the industry average, outperforming 46.15% of the companies in the same 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 | 7.81 |
ROIC/WACC4.03
WACC8.44%
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.
With a Current ratio value of 1.08, 1V is not doing good in the industry: 63.46% of the companies in the same industry are doing better.
A Quick Ratio of 1.08 indicates that 1V should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.08, 1V is doing worse than 61.54% 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
The Earnings Per Share has grown by an nice 14.13% over the past year.
1V shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
1V shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.34%.
1V shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.86% yearly.
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
The Earnings Per Share is expected to grow by 13.62% 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 10.26% on average per year.
EPS Next Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
EPS Next 5Y13.62%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.26%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 28.69, the valuation of 1V can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of 1V is on the same level as its industry peers.
1V's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.15.
1V is valuated quite expensively with a Price/Forward Earnings ratio of 25.23.
The rest of the industry has a similar Price/Forward Earnings ratio as 1V.
When comparing the Price/Forward Earnings ratio of 1V to the average of the S&P500 Index (36.12), we can say 1V is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.69 | ||
| Fwd PE | 25.23 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as 1V.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.39 | ||
| EV/EBITDA | 23.44 |
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.
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 12.96% in the coming years.
PEG (NY)2.09
PEG (5Y)1.6
EPS Next 2Y13.27%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
1V has a yearly dividend return of 0.83%, which is pretty low.
Compared to an average industry Dividend Yield of 3.54, 1V has a dividend in line with its industry peers.
With a Dividend Yield of 0.83, 1V pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
5.2 History
The dividend of 1V is nicely growing with an annual growth rate of 13.82%!
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 2Y13.27%
EPS Next 3Y12.96%
BIT:1V (11/24/2025, 7:00:00 PM)
285.75
-4.85 (-1.67%)
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 Cap550.53B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target349.55 (22.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
Yearly Dividend2.07
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)2.23%
PT rev (3m)2.55%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0.96%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.69 | ||
| Fwd PE | 25.23 | ||
| P/S | 15.86 | ||
| P/FCF | 29.39 | ||
| P/OCF | 27.5 | ||
| P/B | 16.73 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.44 |
EPS(TTM)9.96
EY3.49%
EPS(NY)11.32
Fwd EY3.96%
FCF(TTM)9.72
FCFY3.4%
OCF(TTM)10.39
OCFY3.64%
SpS18.02
BVpS17.08
TBVpS-4.33
PEG (NY)2.09
PEG (5Y)1.6
Graham Number61.87
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 | 7.81 |
F-Score6
WACC8.44%
ROIC/WACC4.03
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 Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.96%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.26%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.64%
EBIT Next 3Y12.15%
EBIT Next 5Y11.5%
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.
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 8 / 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 23.34%.