VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - FRA:3V64 - US92826C8394 - Common Stock
299.35 EUR
-0.75 (-0.25%)
Taking everything into account, 3V64 scores 7 out of 10 in our fundamental rating. 3V64 was compared to 51 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. 3V64 is valued quite expensive, but it does show an excellent growth. With these ratings, 3V64 could be worth investigating further for growth and quality investing!.
1. Profitability
1.1 Basic Checks
3V64 had positive earnings in the past year.
In the past year 3V64 had a positive cash flow from operations.
3V64 had positive earnings in each of the past 5 years.
Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
3V64 has a better Return On Assets (20.06%) than 96.08% of its industry peers.
3V64's Return On Equity of 51.89% is amongst the best of the industry. 3V64 outperforms 94.12% of its industry peers.
Looking at the Return On Invested Capital, with a value of 32.46%, 3V64 belongs to the top of the industry, outperforming 96.08% of the companies in the same industry.
3V64 had an Average Return On Invested Capital over the past 3 years of 27.02%. This is significantly above the industry average of 10.03%.
The 3 year average ROIC (27.02%) for 3V64 is below the current ROIC(32.46%), indicating increased profibility in the last year.
| 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
With an excellent Profit Margin value of 51.58%, 3V64 belongs to the best of the industry, outperforming 94.12% of the companies in the same industry.
In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
The Operating Margin of 3V64 (66.50%) is better than 92.16% of its industry peers.
In the last couple of years the Operating Margin of 3V64 has remained more or less at the same level.
3V64 has a Gross Margin of 80.23%. This is in the better half of the industry: 3V64 outperforms 74.51% of its industry peers.
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
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
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
An Altman-Z score of 8.09 indicates that 3V64 is not in any danger for bankruptcy at the moment.
3V64 has a better Altman-Z score (8.09) than 92.16% 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.
Looking at the Debt to FCF ratio, with a value of 1.14, 3V64 belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.
3V64 has a Debt/Equity ratio of 0.51. This is a neutral value indicating 3V64 is somewhat dependend on debt financing.
3V64's Debt to Equity ratio of 0.51 is in line compared to the rest of the industry. 3V64 outperforms 49.02% 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 | 0.51 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | 8.09 |
ROIC/WACC3.85
WACC8.44%
2.3 Liquidity
A Current Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.12, 3V64 is doing worse than 66.67% of the companies in the same industry.
A Quick Ratio of 1.12 indicates that 3V64 should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.12, 3V64 is doing worse than 64.71% 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.
3V64 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.02% yearly.
Looking at the last year, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 11.38% in the last year.
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
The Earnings Per Share is expected to grow by 13.72% 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 12.13% yearly.
EPS Next Y16.12%
EPS Next 2Y14.18%
EPS Next 3Y13.74%
EPS Next 5Y13.72%
Revenue Next Year11.14%
Revenue Next 2Y10.94%
Revenue Next 3Y10.65%
Revenue Next 5Y12.13%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 31.12, 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.
The average S&P500 Price/Earnings ratio is at 27.08. 3V64 is around the same levels.
Based on the Price/Forward Earnings ratio of 26.60, the valuation of 3V64 can be described as expensive.
60.78% of the companies in the same industry are cheaper than 3V64, based on the Price/Forward Earnings ratio.
3V64 is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.12 | ||
| Fwd PE | 26.6 |
4.2 Price Multiples
3V64's Enterprise Value to EBITDA ratio is in line with the industry average.
3V64's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.4 | ||
| EV/EBITDA | 25.03 |
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 13.74% in the coming years.
PEG (NY)1.93
PEG (5Y)2.39
EPS Next 2Y14.18%
EPS Next 3Y13.74%
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 3.47.
Compared to an average S&P500 Dividend Yield of 2.30, 3V64's dividend is way lower than the S&P500 average.
| 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.
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 3Y13.74%
FRA:3V64 (10/28/2025, 1:24:19 PM)
299.35
-0.75 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.3%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap576.73B
Revenue(TTM)38.89B
Net Income(TTM)20.06B
Analysts80.89
Price Target341.44 (14.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
Yearly Dividend1.82
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)0.88%
PT rev (3m)0.52%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)-1.13%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.12 | ||
| Fwd PE | 26.6 | ||
| P/S | 17.26 | ||
| P/FCF | 30.4 | ||
| P/OCF | 28.58 | ||
| P/B | 17.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.03 |
EPS(TTM)9.62
EY3.21%
EPS(NY)11.26
Fwd EY3.76%
FCF(TTM)9.85
FCFY3.29%
OCF(TTM)10.47
OCFY3.5%
SpS17.34
BVpS17.24
TBVpS-3.96
PEG (NY)1.93
PEG (5Y)2.39
Graham Number61.09
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%
ROICexgc growth 3Y3.03%
ROICexgc 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 | 8.09 |
F-Score7
WACC8.44%
ROIC/WACC3.85
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 Y16.12%
EPS Next 2Y14.18%
EPS Next 3Y13.74%
EPS Next 5Y13.72%
Revenue 1Y (TTM)11.38%
Revenue growth 3Y14.23%
Revenue growth 5Y9.35%
Sales Q2Q%14.29%
Revenue Next Year11.14%
Revenue Next 2Y10.94%
Revenue Next 3Y10.65%
Revenue Next 5Y12.13%
EBIT growth 1Y10.64%
EBIT growth 3Y15.03%
EBIT growth 5Y9.33%
EBIT Next Year15.96%
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%
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.
Can you provide the valuation status for VISA INC-CLASS A SHARES?
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.
Can you provide the financial health for 3V64 stock?
The financial health rating of VISA INC-CLASS A SHARES (3V64.DE) is 9 / 10.
Can you provide the expected EPS growth for 3V64 stock?
The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (3V64.DE) is expected to grow by 16.12% in the next year.