VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
FRA:3V64 - Deutsche Boerse Ag - US92826C8394 - Common Stock - Currency: EUR
3V64 gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 51 industry peers in the Financial Services industry. 3V64 has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. 3V64 is quite expensive at the moment. It does show a decent growth rate. With these ratings, 3V64 could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year 3V64 was profitable.
In the past year 3V64 had a positive cash flow from operations.
3V64 had positive earnings in each of the past 5 years.
In the past 5 years 3V64 always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 20.06%, 3V64 belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
3V64 has a better Return On Equity (51.89%) than 92.16% of its industry peers.
3V64's Return On Invested Capital of 32.46% is amongst the best of the industry. 3V64 outperforms 92.16% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 12.61%.
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 Profit Margin of 51.58%. This is amongst the best in the industry. 3V64 outperforms 88.24% of its industry peers.
In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
With an excellent Operating Margin value of 66.50%, 3V64 belongs to the best of the industry, outperforming 88.24% 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.
With a decent Gross Margin value of 80.23%, 3V64 is doing good in the industry, outperforming 72.55% of the companies in the same industry.
3V64's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 3V64 is creating value.
Compared to 1 year ago, 3V64 has less shares outstanding
The number of shares outstanding for 3V64 has been reduced compared to 5 years ago.
3V64 has a better debt/assets ratio than last year.
2.2 Solvency
3V64 has an Altman-Z score of 7.90. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
3V64's Altman-Z score of 7.90 is amongst the best of the industry. 3V64 outperforms 86.27% of its industry peers.
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.
With an excellent Debt to FCF ratio value of 1.14, 3V64 belongs to the best of the industry, outperforming 86.27% 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.
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 | 7.9 |
ROIC/WACC3.76
WACC8.63%
2.3 Liquidity
A Current Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
With a Current ratio value of 1.12, 3V64 perfoms like the industry average, outperforming 50.98% of the companies in the same industry.
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.
3V64 has a Quick ratio (1.12) which is comparable to the rest of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.82%, 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 13.02% yearly.
The Revenue has grown by 11.38% in the past year. This is quite good.
Measured over the past years, 3V64 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
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.
Based on estimates for the next years, 3V64 will show a quite strong growth in Revenue. The Revenue will grow by 11.16% on average per year.
EPS Next Y15%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
EPS Next 5Y13.72%
Revenue Next Year10.31%
Revenue Next 2Y10.38%
Revenue Next 3Y10.18%
Revenue Next 5Y11.16%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 29.96, which means the current valuation is very expensive for 3V64.
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 26.99, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 25.88, 3V64 can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as 3V64.
3V64 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 36.36, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.96 | ||
| Fwd PE | 25.88 |
4.2 Price Multiples
3V64's Enterprise Value to EBITDA ratio is in line with the industry average.
3V64's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.32 | ||
| EV/EBITDA | 24.29 |
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 3V64 may justify a higher PE ratio.
A more expensive valuation may be justified as 3V64's earnings are expected to grow with 13.34% in the coming years.
PEG (NY)2
PEG (5Y)2.3
EPS Next 2Y13.57%
EPS Next 3Y13.34%
5. Dividend
5.1 Amount
3V64 has a yearly dividend return of 0.68%, which is pretty low.
3V64's Dividend Yield is comparable with the industry average which is at 3.57.
With a Dividend Yield of 0.68, 3V64 pays less dividend than the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
5.2 History
On average, the dividend of 3V64 grows each year by 15.24%, which is quite nice.
Dividend Growth(5Y)15.24%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
22.58% of the earnings are spent on dividend by 3V64. This is a low number and sustainable payout ratio.
The dividend of 3V64 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.58%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
FRA:3V64 (8/7/2025, 5:24:11 PM)
289.15
-2.45 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.44%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap558.03B
Analysts81.28
Price Target339.67 (17.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
Yearly Dividend1.86
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)-2.94%
PT rev (3m)2.28%
EPS NQ rev (1m)-0.94%
EPS NQ rev (3m)-2.46%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.96 | ||
| Fwd PE | 25.88 | ||
| P/S | 16.65 | ||
| P/FCF | 29.32 | ||
| P/OCF | 27.57 | ||
| P/B | 16.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.29 |
EPS(TTM)9.65
EY3.34%
EPS(NY)11.17
Fwd EY3.86%
FCF(TTM)9.86
FCFY3.41%
OCF(TTM)10.49
OCFY3.63%
SpS17.37
BVpS17.26
TBVpS-3.96
PEG (NY)2
PEG (5Y)2.3
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 | 7.9 |
F-Score7
WACC8.63%
ROIC/WACC3.76
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 Y15%
EPS Next 2Y13.57%
EPS Next 3Y13.34%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year10.31%
Revenue Next 2Y10.38%
Revenue Next 3Y10.18%
Revenue Next 5Y11.16%
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year14.33%
EBIT Next 3Y12%
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%