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

FRA:3V64 • US92826C8394

271.85 EUR
-1.6 (-0.59%)
Last: Mar 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

7

Taking everything into account, 3V64 scores 7 out of 10 in our fundamental rating. 3V64 was compared to 55 industry peers in the Financial Services industry. 3V64 gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, 3V64 is valued expensive at the moment. With these ratings, 3V64 could be worth investigating further for quality investing!.


Dividend Valuation Growth Profitability Health

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.
  • Each year in the past 5 years 3V64 had a positive operating cash flow.
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

  • The Return On Assets of 3V64 (21.27%) is better than 98.18% of its industry peers.
  • 3V64's Return On Equity of 53.11% is amongst the best of the industry. 3V64 outperforms 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for 3V64 is significantly above the industry average of 8.26%.
  • The last Return On Invested Capital (35.11%) for 3V64 is above the 3 year average (30.07%), which is a sign of increasing profitability.
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

  • 3V64 has a better Profit Margin (49.75%) than 92.73% 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 66.98%, 3V64 belongs to the top of the industry, outperforming 94.55% 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 78.18% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. 3V64.DE Health Analysis

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.
  • 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 7.91. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
  • 3V64 has a better Altman-Z score (7.91) than 90.91% of its industry peers.
  • The Debt to FCF ratio of 3V64 is 0.92, which is an excellent value as it means it would take 3V64, only 0.92 years of fcf income to pay off all of its debts.
  • 3V64's Debt to FCF ratio of 0.92 is amongst the best of the industry. 3V64 outperforms 90.91% 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 of 0.51. This is comparable to the rest of the industry: 3V64 outperforms 47.27% of its industry peers.
  • 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 7.91
ROIC/WACC4.13
WACC8.51%
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

  • A Current Ratio of 1.11 indicates that 3V64 should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.11, 3V64 is in line with its industry, outperforming 43.64% of the companies in the same industry.
  • A Quick Ratio of 1.11 indicates that 3V64 should not have too much problems paying its short term obligations.
  • The Quick ratio of 3V64 (1.11) 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 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

  • The Earnings Per Share has grown by an nice 14.44% over the past year.
  • Measured over the past years, 3V64 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.92% on average per year.
  • The Revenue has grown by 12.47% 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 12.86% yearly.
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

  • The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.
  • 3V64 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.14% yearly.
EPS Next Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
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 26.57, the valuation of 3V64 can be described as expensive.
  • The rest of the industry has a similar Price/Earnings ratio as 3V64.
  • 3V64's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.29.
  • The Price/Forward Earnings ratio is 21.32, which indicates a rather expensive current valuation of 3V64.
  • 3V64's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of 3V64 to the average of the S&P500 Index (24.57), we can say 3V64 is valued inline with the index average.
Industry RankSector Rank
PE 26.57
Fwd PE 21.32
3V64.DE Price Earnings VS Forward Price Earnings3V64.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 26.26
EV/EBITDA 21
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 3V64 does not grow enough to justify the current Price/Earnings ratio.
  • 3V64 has an outstanding profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as 3V64's earnings are expected to grow with 13.19% in the coming years.
PEG (NY)1.88
PEG (5Y)1.48
EPS Next 2Y13.65%
EPS Next 3Y13.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. 3V64.DE Dividend Analysis

5.1 Amount

  • 3V64 has a yearly dividend return of 0.86%, which is pretty low.
  • 3V64's Dividend Yield is comparable with the industry average which is at 2.26.
  • Compared to an average S&P500 Dividend Yield of 1.82, 3V64's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.86%

5.2 History

  • On average, the dividend of 3V64 grows each year by 13.85%, which is quite nice.
Dividend Growth(5Y)13.85%
Div Incr Years6
Div Non Decr Years6
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

  • 23.10% 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.
DP23.1%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
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 (3/6/2026, 7:00:00 PM)

271.85

-1.6 (-0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners90.54%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap518.15B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts82.92
Price Target352.13 (29.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.86%
Yearly Dividend2.02
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years6
Div Non Decr Years6
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)0.26%
PT rev (3m)0.91%
EPS NQ rev (1m)0.81%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)0.41%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 26.57
Fwd PE 21.32
P/S 14.54
P/FCF 26.26
P/OCF 24.63
P/B 15.52
P/tB N/A
EV/EBITDA 21
EPS(TTM)10.23
EY3.76%
EPS(NY)12.75
Fwd EY4.69%
FCF(TTM)10.35
FCFY3.81%
OCF(TTM)11.04
OCFY4.06%
SpS18.69
BVpS17.51
TBVpS-3.96
PEG (NY)1.88
PEG (5Y)1.48
Graham Number63.49
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 7.91
F-Score6
WACC8.51%
ROIC/WACC4.13
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 Y14.17%
EPS Next 2Y13.65%
EPS Next 3Y13.19%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.88%
Revenue Next 2Y11.09%
Revenue Next 3Y10.7%
Revenue Next 5Y10.14%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.14%
EBIT Next 3Y12.24%
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 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 9 / 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 14.17% in the next year.