VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
FRA:3V64 - US92826C8394 - Common Stock
292.9 EUR
-9.1 (-3.01%)
We assign a fundamental rating of 7 out of 10 to 3V64. 3V64 was compared to 50 industry peers in the Financial Services industry. 3V64 scores excellent points on both the profitability and health parts. This is a solid base for a good stock. While showing a medium growth rate, 3V64 is valued expensive at the moment. This makes 3V64 very considerable for quality investing!
1. Profitability
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.
3V64 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
3V64 has a better Return On Assets (20.06%) than 92.00% of its industry peers.
3V64's Return On Equity of 51.89% is amongst the best of the industry. 3V64 outperforms 94.00% of its industry peers.
3V64's Return On Invested Capital of 32.46% is amongst the best of the industry. 3V64 outperforms 96.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 3V64 is significantly above the industry average of 10.94%.
The last Return On Invested Capital (32.46%) for 3V64 is above the 3 year average (27.02%), which is a sign of increasing profitability.
| 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
3V64 has a better Profit Margin (51.58%) than 90.00% of its industry peers.
In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
3V64's Operating Margin of 66.50% is amongst the best of the industry. 3V64 outperforms 90.00% of its industry peers.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
The Gross Margin of 3V64 (80.23%) is better than 74.00% of its industry peers.
In the last couple of years the Gross Margin of 3V64 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 3V64 is creating value.
3V64 has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 3V64 has been reduced compared to 5 years ago.
The debt/assets ratio for 3V64 has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 7.97 indicates that 3V64 is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 7.97, 3V64 belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
3V64 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.
The Debt to FCF ratio of 3V64 (1.14) is better than 84.00% of its industry peers.
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 in line with its industry peers.
Although 3V64 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 | 7.97 |
ROIC/WACC3.81
WACC8.51%
2.3 Liquidity
A Current Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64 has a Current ratio (1.12) which is in line with its industry peers.
3V64 has a Quick Ratio of 1.12. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.12, 3V64 perfoms like the industry average, outperforming 44.00% of the companies in the same industry.
The current and quick ratio evaluation for 3V64 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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.82% over the past year.
The Earnings Per Share has been growing by 13.02% on average over the past years. This is quite good.
The Revenue has grown by 11.38% in the past year. This is quite good.
3V64 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
3V64 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.72% yearly.
The Revenue is expected to grow by 10.28% on average over the next years. This is quite good.
EPS Next Y16.1%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
EPS Next 5Y13.72%
Revenue Next Year11.12%
Revenue Next 2Y10.94%
Revenue Next 3Y10.67%
Revenue Next 5Y10.28%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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 30.57, 3V64 can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of 3V64 is on the same level as its industry peers.
3V64 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 26.15 indicates a quite expensive valuation of 3V64.
3V64's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of 3V64 to the average of the S&P500 Index (22.69), we can say 3V64 is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.57 | ||
| Fwd PE | 26.15 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 3V64.
The rest of the industry has a similar Price/Free Cash Flow ratio as 3V64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.89 | ||
| EV/EBITDA | 24.55 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 13.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.9
PEG (5Y)2.35
EPS Next 2Y14.18%
EPS Next 3Y13.78%
5. Dividend
5.1 Amount
With a yearly dividend of 0.67%, 3V64 is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.47, 3V64 has a dividend in line with its industry peers.
With a Dividend Yield of 0.67, 3V64 pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.67% |
5.2 History
The dividend of 3V64 is nicely growing with an annual growth rate of 15.24%!
Dividend Growth(5Y)15.24%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
3V64 pays out 22.58% 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.
DP22.58%
EPS Next 2Y14.18%
EPS Next 3Y13.78%
FRA:3V64 (9/5/2025, 7:00:00 PM)
292.9
-9.1 (-3.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.96%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap564.30B
Analysts80.91
Price Target345.15 (17.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.67% |
Yearly Dividend1.81
Dividend Growth(5Y)15.24%
DP22.58%
Div Incr Years6
Div Non Decr Years6
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)1.61%
PT rev (3m)1.32%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-2.82%
EPS NY rev (1m)0.96%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0.74%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.57 | ||
| Fwd PE | 26.15 | ||
| P/S | 16.97 | ||
| P/FCF | 29.89 | ||
| P/OCF | 28.11 | ||
| P/B | 17.07 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.55 |
EPS(TTM)9.58
EY3.27%
EPS(NY)11.2
Fwd EY3.82%
FCF(TTM)9.8
FCFY3.35%
OCF(TTM)10.42
OCFY3.56%
SpS17.26
BVpS17.16
TBVpS-3.94
PEG (NY)1.9
PEG (5Y)2.35
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 | 7.97 |
F-Score7
WACC8.51%
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 Y16.1%
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 Year11.12%
Revenue Next 2Y10.94%
Revenue Next 3Y10.67%
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%