VISA INC-CLASS A SHARES (3V64.DE) Fundamental Analysis & Valuation

FRA:3V64 • US92826C8394

Current stock price

260.9 EUR
-3.6 (-1.36%)
Last:

This 3V64.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

1. 3V64.DE Profitability Analysis

1.1 Basic Checks

  • 3V64 had positive earnings in the past year.
  • 3V64 had a positive operating cash flow in the past year.
  • In the past 5 years 3V64 has always been profitable.
  • In the past 5 years 3V64 always reported a positive cash flow from operatings.
3V64.DE Yearly Net Income VS EBIT VS OCF VS FCF3V64.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

1.2 Ratios

  • 3V64 has a better Return On Assets (21.27%) than 98.18% of its industry peers.
  • 3V64 has a better Return On Equity (53.11%) than 96.36% of its industry peers.
  • 3V64 has a Return On Invested Capital of 35.11%. This is amongst the best in the industry. 3V64 outperforms 98.18% of its industry peers.
  • 3V64 had an Average Return On Invested Capital over the past 3 years of 30.07%. This is significantly above the industry average of 8.81%.
  • The 3 year average ROIC (30.07%) for 3V64 is below the current ROIC(35.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROIC 35.11%
ROA(3y)19.76%
ROA(5y)18.18%
ROE(3y)48.65%
ROE(5y)43.8%
ROIC(3y)30.07%
ROIC(5y)26.99%
3V64.DE Yearly ROA, ROE, ROIC3V64.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • Looking at the Profit Margin, with a value of 49.75%, 3V64 belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
  • 3V64's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 66.98%, 3V64 belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
  • In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
  • 3V64 has a better Gross Margin (81.08%) than 80.00% of its industry peers.
  • 3V64's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
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%
3V64.DE Yearly Profit, Operating, Gross Margins3V64.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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9

2. 3V64.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 3V64 is creating value.
  • 3V64 has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 3V64 has less shares outstanding
  • The debt/assets ratio for 3V64 is higher compared to a year ago.
3V64.DE Yearly Shares Outstanding3V64.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
3V64.DE Yearly Total Debt VS Total Assets3V64.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • 3V64 has an Altman-Z score of 7.75. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of 3V64 (7.75) is better than 92.73% of its industry peers.
  • 3V64 has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.92, 3V64 belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
  • A Debt/Equity ratio of 0.51 indicates that 3V64 is somewhat dependend on debt financing.
  • 3V64 has a Debt to Equity ratio (0.51) which is comparable to the rest of the industry.
  • Even though the debt/equity ratio score it not favorable for 3V64, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 7.75
ROIC/WACC4.07
WACC8.63%
3V64.DE Yearly LT Debt VS Equity VS FCF3V64.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 3V64 has a Current Ratio of 1.11. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
  • 3V64 has a Current ratio (1.11) which is comparable to the rest of the industry.
  • A Quick Ratio of 1.11 indicates that 3V64 should not have too much problems paying its short term obligations.
  • 3V64 has a Quick ratio of 1.11. This is comparable to the rest of the industry: 3V64 outperforms 47.27% of its industry peers.
  • 3V64 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 RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
3V64.DE Yearly Current Assets VS Current Liabilites3V64.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 3V64.DE Growth Analysis

3.1 Past

  • 3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.44%, which is quite good.
  • 3V64 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
  • 3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • The Revenue has been growing by 12.86% on average over the past years. This is quite good.
EPS 1Y (TTM)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%

3.2 Future

  • 3V64 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.16% yearly.
  • Based on estimates for the next years, 3V64 will show a quite strong growth in Revenue. The Revenue will grow by 10.14% on average per year.
EPS Next Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.89%
Revenue Next 2Y11.12%
Revenue Next 3Y10.71%
Revenue Next 5Y10.14%

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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
3V64.DE Yearly Revenue VS Estimates3V64.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
3V64.DE Yearly EPS VS Estimates3V64.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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3

4. 3V64.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 25.68, the valuation of 3V64 can be described as expensive.
  • 3V64's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, 3V64 is valued at the same level.
  • 3V64 is valuated rather expensively with a Price/Forward Earnings ratio of 20.63.
  • 3V64's Price/Forward Earnings ratio is in line with the industry average.
  • 3V64 is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.68
Fwd PE 20.63
3V64.DE Price Earnings VS Forward Price Earnings3V64.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as 3V64.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 3V64 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 25.39
EV/EBITDA 20.47
3V64.DE Per share data3V64.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 3V64 has an outstanding profitability rating, which may justify a higher PE ratio.
  • 3V64's earnings are expected to grow with 13.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.79
PEG (5Y)1.43
EPS Next 2Y13.61%
EPS Next 3Y13.13%

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3

5. 3V64.DE Dividend Analysis

5.1 Amount

  • 3V64 has a yearly dividend return of 0.91%, which is pretty low.
  • 3V64's Dividend Yield is comparable with the industry average which is at 2.60.
  • Compared to an average S&P500 Dividend Yield of 1.89, 3V64's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.91%

5.2 History

  • The dividend of 3V64 is nicely growing with an annual growth rate of 13.85%!
Dividend Growth(5Y)13.85%
Div Incr Years7
Div Non Decr Years7
3V64.DE Yearly Dividends per share3V64.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 3V64 pays out 23.10% of its income as dividend. This is a sustainable payout ratio.
  • 3V64's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.1%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
3V64.DE Yearly Income VS Free CF VS Dividend3V64.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
3V64.DE Dividend Payout.3V64.DE Dividend Payout, showing the Payout Ratio.3V64.DE Dividend Payout.PayoutRetained Earnings

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3V64.DE Fundamentals: All Metrics, Ratios and Statistics

VISA INC-CLASS A SHARES

FRA:3V64 (4/9/2026, 5:24:07 PM)

260.9

-3.6 (-1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners90.48%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap497.28B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.04
Price Target352.13 (34.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
Yearly Dividend2.07
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.26%
Min EPS beat(2)-1.51%
Max EPS beat(2)-1.02%
EPS beat(4)2
Avg EPS beat(4)0.27%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)9
Avg EPS beat(12)0.89%
EPS beat(16)13
Avg EPS beat(16)2.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.29%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.62%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)0%
PT rev (3m)2.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 25.68
Fwd PE 20.63
P/S 14.06
P/FCF 25.39
P/OCF 23.82
P/B 15.01
P/tB N/A
EV/EBITDA 20.47
EPS(TTM)10.16
EY3.89%
EPS(NY)12.65
Fwd EY4.85%
FCF(TTM)10.28
FCFY3.94%
OCF(TTM)10.96
OCFY4.2%
SpS18.55
BVpS17.38
TBVpS-3.93
PEG (NY)1.79
PEG (5Y)1.43
Graham Number63.03
Profitability
Industry RankSector Rank
ROA 21.27%
ROE 53.11%
ROCE 42.44%
ROIC 35.11%
ROICexc 46.88%
ROICexgc 1665.56%
OM 66.98%
PM (TTM) 49.75%
GM 81.08%
FCFM 55.39%
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 Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Debt/EBITDA 0.68
Cap/Depr 119.86%
Cap/Sales 3.66%
Interest Coverage 47.23
Cash Conversion 84.32%
Profit Quality 111.33%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 7.75
F-Score6
WACC8.63%
ROIC/WACC4.07
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)14.44%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%15.27%
EPS Next Y14.31%
EPS Next 2Y13.61%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.89%
Revenue Next 2Y11.12%
Revenue Next 3Y10.71%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.27%
EBIT Next 3Y12.37%
EBIT Next 5Y11.09%
FCF growth 1Y19.91%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y21.02%
OCF growth 3Y6.95%
OCF growth 5Y17.17%

VISA INC-CLASS A SHARES / 3V64.DE Fundamental Analysis FAQ

What is the fundamental rating for 3V64 stock?

ChartMill assigns a fundamental rating of 7 / 10 to 3V64.DE.


What is the valuation status of VISA INC-CLASS A SHARES (3V64.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to VISA INC-CLASS A SHARES (3V64.DE). This can be considered as Overvalued.


Can you provide the profitability details for VISA INC-CLASS A SHARES?

VISA INC-CLASS A SHARES (3V64.DE) has a profitability rating of 9 / 10.


What are the PE and PB ratios of VISA INC-CLASS A SHARES (3V64.DE) stock?

The Price/Earnings (PE) ratio for VISA INC-CLASS A SHARES (3V64.DE) is 25.68 and the Price/Book (PB) ratio is 15.01.


What is the earnings growth outlook for VISA INC-CLASS A SHARES?

The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (3V64.DE) is expected to grow by 14.31% in the next year.