VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:3V64 • US92826C8394
272.25 EUR
-3.3 (-1.2%)
Last: Jan 30, 2026, 07:00 PM
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 59 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. These ratings would make 3V64 suitable 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.
- Each year in the past 5 years 3V64 has been profitable.
- Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 19.93%, 3V64 belongs to the top of the industry, outperforming 94.92% of the companies in the same industry.
- 3V64's Return On Equity of 52.38% is amongst the best of the industry. 3V64 outperforms 93.22% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 34.02%, 3V64 belongs to the top of the industry, outperforming 94.92% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for 3V64 is significantly above the industry average of 10.02%.
- The 3 year average ROIC (30.07%) for 3V64 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
- 3V64 has a Profit Margin of 49.64%. This is amongst the best in the industry. 3V64 outperforms 93.22% of its industry peers.
- 3V64's Profit Margin has been stable in the last couple of years.
- Looking at the Operating Margin, with a value of 66.39%, 3V64 belongs to the top of the industry, outperforming 93.22% 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.
- Looking at the Gross Margin, with a value of 80.36%, 3V64 is in the better half of the industry, outperforming 79.66% 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 | 66.39% | ||
| 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
- 3V64 has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- Compared to 1 year ago, 3V64 has less shares outstanding
- 3V64 has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, 3V64 has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 7.66 indicates that 3V64 is not in any danger for bankruptcy at the moment.
- 3V64's Altman-Z score of 7.66 is amongst the best of the industry. 3V64 outperforms 88.14% of its industry peers.
- The Debt to FCF ratio of 3V64 is 1.17, which is an excellent value as it means it would take 3V64, 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, 3V64 belongs to the best of the industry, outperforming 83.05% of the companies in the same industry.
- A Debt/Equity ratio of 0.52 indicates that 3V64 is somewhat dependend on debt financing.
- 3V64's Debt to Equity ratio of 0.52 is in line compared to the rest of the industry. 3V64 outperforms 49.15% of 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 | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 7.66 |
ROIC/WACC3.95
WACC8.61%
2.3 Liquidity
- A Current Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.08, 3V64 is not doing good in the industry: 62.71% of the companies in the same industry are doing better.
- 3V64 has a Quick Ratio of 1.08. 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 of 1.08. This is in the lower half of the industry: 3V64 underperforms 62.71% of its industry peers.
- 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 | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
- 3V64 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.13%, which is quite good.
- The Earnings Per Share has been growing by 17.92% on average over the past years. This is quite good.
- 3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.34%.
- The Revenue has been growing by 12.86% on average over the past years. This is quite good.
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
- 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 10.38% on average per year.
EPS Next Y13.7%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
EPS Next 5Y13.16%
Revenue Next Year11.48%
Revenue Next 2Y10.84%
Revenue Next 3Y10.38%
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.
- 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 28.42, which means the current valuation is very expensive for 3V64.
- 3V64's Price/Earnings is on the same level as the industry average.
- 3V64 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.30, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 24.99, which indicates a rather expensive current valuation of 3V64.
- 3V64's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, 3V64 is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.42 | ||
| Fwd PE | 24.99 |
4.2 Price Multiples
- 3V64's Enterprise Value to EBITDA is on the same level as the industry average.
- 3V64's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.9 | ||
| EV/EBITDA | 22.88 |
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.
- 3V64's earnings are expected to grow with 12.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.07
PEG (5Y)1.59
EPS Next 2Y13.29%
EPS Next 3Y12.87%
5. Dividend
5.1 Amount
- 3V64 has a yearly dividend return of 0.81%, which is pretty low.
- 3V64's Dividend Yield is comparable with the industry average which is at 1.97.
- With a Dividend Yield of 0.81, 3V64 pays less dividend than the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
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 Years6
Div Non Decr Years6
5.3 Sustainability
- 23.34% of the earnings are spent on dividend by 3V64. This is a low number and sustainable payout ratio.
- 3V64's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.29%
EPS Next 3Y12.87%
VISA INC-CLASS A SHARES / 3V64.DE 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.
How profitable is VISA INC-CLASS A SHARES (3V64.DE) stock?
VISA INC-CLASS A SHARES (3V64.DE) has a profitability rating of 9 / 10.
How financially healthy is VISA INC-CLASS A SHARES?
The financial health rating of VISA INC-CLASS A SHARES (3V64.DE) is 8 / 10.
What is the expected EPS growth for VISA INC-CLASS A SHARES (3V64.DE) stock?
The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (3V64.DE) is expected to grow by 13.7% in the next year.