VISA INC-CLASS A SHARES (3V64.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:3V64 - US92826C8394 - Common Stock
287.95 EUR
+1.3 (+0.45%)
Overall 3V64 gets a fundamental rating of 7 out of 10. We evaluated 3V64 against 53 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 quite expensive at the moment. It does show a decent growth rate. These ratings could make 3V64 a good candidate 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.
In the past 5 years 3V64 has always been profitable.
Each year in the past 5 years 3V64 had a positive operating cash flow.
1.2 Ratios
The Return On Assets of 3V64 (19.93%) is better than 98.11% of its industry peers.
3V64 has a Return On Equity of 52.38%. This is amongst the best in the industry. 3V64 outperforms 96.23% 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 98.11% 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 8.74%.
The last Return On Invested Capital (34.02%) for 3V64 is above the 3 year average (30.07%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 49.64%, 3V64 belongs to the top of the industry, outperforming 96.23% 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.
Looking at the Operating Margin, with a value of 66.39%, 3V64 belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
3V64's Operating Margin has been stable in the last couple of years.
The Gross Margin of 3V64 (80.36%) is better than 77.36% 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 | 66.39% | ||
| 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 3V64 is creating value.
Compared to 1 year ago, 3V64 has less shares outstanding
Compared to 5 years ago, 3V64 has less shares outstanding
Compared to 1 year ago, 3V64 has a worse debt to assets ratio.
2.2 Solvency
3V64 has an Altman-Z score of 7.71. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.71, 3V64 belongs to the top of the industry, outperforming 92.45% of the companies in the same industry.
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.
The Debt to FCF ratio of 3V64 (1.17) is better than 84.91% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that 3V64 is somewhat dependend on debt financing.
3V64 has a Debt to Equity ratio of 0.52. This is comparable to the rest of the industry: 3V64 outperforms 50.94% 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 | 7.71 |
ROIC/WACC4.06
WACC8.38%
2.3 Liquidity
3V64 has a Current 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's Current ratio of 1.08 is on the low side compared to the rest of the industry. 3V64 is outperformed by 60.38% of its industry peers.
A Quick Ratio of 1.08 indicates that 3V64 should not have too much problems paying its short term obligations.
3V64 has a Quick ratio of 1.08. This is comparable to the rest of the industry: 3V64 outperforms 41.51% of its industry peers.
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 | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.13% 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.
Looking at the last year, 3V64 shows a quite strong growth in Revenue. The Revenue has grown by 11.34% in the last year.
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 13.62% yearly.
Based on estimates for the next years, 3V64 will show a quite strong growth in Revenue. The Revenue will grow by 10.28% on average per year.
EPS Next Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.99%
EPS Next 5Y13.62%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.28%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 29.09, the valuation of 3V64 can be described as expensive.
3V64's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.15, 3V64 is valued at the same level.
Based on the Price/Forward Earnings ratio of 25.57, the valuation of 3V64 can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 3V64 is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, 3V64 is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.09 | ||
| Fwd PE | 25.57 |
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 | 29.6 | ||
| EV/EBITDA | 23.04 |
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 12.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.12
PEG (5Y)1.62
EPS Next 2Y13.27%
EPS Next 3Y12.99%
5. Dividend
5.1 Amount
With a yearly dividend of 0.83%, 3V64 is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.54, 3V64 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, 3V64's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
5.2 History
On average, the dividend of 3V64 grows each year by 13.82%, which is quite nice.
Dividend Growth(5Y)13.82%
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.
The dividend of 3V64 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.34%
EPS Next 2Y13.27%
EPS Next 3Y12.99%
FRA:3V64 (11/28/2025, 4:52:38 PM)
287.95
+1.3 (+0.45%)
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 Cap551.17B
Revenue(TTM)40.00B
Net Income(TTM)19.86B
Analysts81.7
Price Target348.94 (21.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
Yearly Dividend2.07
Dividend Growth(5Y)13.82%
DP23.34%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.59%
Min EPS beat(2)-1.51%
Max EPS beat(2)2.69%
EPS beat(4)3
Avg EPS beat(4)0.86%
Min EPS beat(4)-1.51%
Max EPS beat(4)2.69%
EPS beat(8)6
Avg EPS beat(8)0.83%
EPS beat(12)10
Avg EPS beat(12)1.5%
EPS beat(16)14
Avg EPS beat(16)2.6%
Revenue beat(2)1
Avg Revenue beat(2)0.19%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-1.51%
Max Revenue beat(4)1.32%
Revenue beat(8)1
Avg Revenue beat(8)-0.67%
Revenue beat(12)3
Avg Revenue beat(12)-0.53%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)2.2%
PT rev (3m)1.1%
EPS NQ rev (1m)1.42%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0.9%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.62%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.09 | ||
| Fwd PE | 25.57 | ||
| P/S | 15.96 | ||
| P/FCF | 29.6 | ||
| P/OCF | 27.69 | ||
| P/B | 16.85 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.04 |
EPS(TTM)9.9
EY3.44%
EPS(NY)11.26
Fwd EY3.91%
FCF(TTM)9.73
FCFY3.38%
OCF(TTM)10.4
OCFY3.61%
SpS18.04
BVpS17.09
TBVpS-4.34
PEG (NY)2.12
PEG (5Y)1.62
Graham Number61.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.93% | ||
| ROE | 52.38% | ||
| ROCE | 41.12% | ||
| ROIC | 34.02% | ||
| ROICexc | 48.2% | ||
| ROICexgc | N/A | ||
| OM | 66.39% | ||
| PM (TTM) | 49.64% | ||
| GM | 80.36% | ||
| FCFM | 53.94% |
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 Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 0.71 | ||
| Cap/Depr | 121.48% | ||
| Cap/Sales | 3.71% | ||
| Interest Coverage | 45.24 | ||
| Cash Conversion | 83.02% | ||
| Profit Quality | 108.67% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 7.71 |
F-Score6
WACC8.38%
ROIC/WACC4.06
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)14.13%
EPS 3Y15.16%
EPS 5Y17.92%
EPS Q2Q%9.96%
EPS Next Y13.74%
EPS Next 2Y13.27%
EPS Next 3Y12.99%
EPS Next 5Y13.62%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%11.51%
Revenue Next Year11.42%
Revenue Next 2Y10.77%
Revenue Next 3Y10.28%
Revenue Next 5YN/A
EBIT growth 1Y10.39%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year15.64%
EBIT Next 3Y12.15%
EBIT Next 5Y11.5%
FCF growth 1Y15.43%
FCF growth 3Y6.47%
FCF growth 5Y17.33%
OCF growth 1Y15.58%
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.
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 8 / 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 13.74% in the next year.