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

FRA:3V64 • US92826C8394

Current stock price

280.4 EUR
-7.2 (-2.5%)
Last:

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

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.
  • In the past 5 years 3V64 always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 21.27%, 3V64 belongs to the top of the industry, outperforming 98.08% of the companies in the same industry.
  • 3V64 has a better Return On Equity (53.11%) than 98.08% of its industry peers.
  • 3V64 has a better Return On Invested Capital (35.11%) than 98.08% 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 9.16%.
  • 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's Profit Margin of 49.75% is amongst the best of the industry. 3V64 outperforms 92.31% of its industry peers.
  • In the last couple of years the Profit Margin of 3V64 has remained more or less at the same level.
  • 3V64 has a better Operating Margin (66.98%) than 96.15% of its industry peers.
  • 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 81.08%, 3V64 belongs to the top of the industry, outperforming 80.77% of the companies in the same industry.
  • 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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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
  • 3V64 has less shares outstanding than it did 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 8.28. This indicates that 3V64 is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of 3V64 (8.28) is better than 92.31% 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.
  • The Debt to FCF ratio of 3V64 (0.92) is better than 88.46% 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 50.00% of its industry peers.
  • Although 3V64's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 0.92
Altman-Z 8.28
ROIC/WACC4
WACC8.77%
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

  • 3V64 has a Current Ratio of 1.11. 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 1.11 is in line compared to the rest of the industry. 3V64 outperforms 44.23% of its industry peers.
  • 3V64 has a Quick Ratio of 1.11. This is a normal value and indicates that 3V64 is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.11, 3V64 is in line with its industry, outperforming 50.00% of the companies in the same 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.
  • 3V64 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.92% yearly.
  • 3V64 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.47%.
  • Measured over the past years, 3V64 shows a quite strong growth in Revenue. The Revenue has been growing by 12.86% on average per year.
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 10.41% yearly.
EPS Next Y14.33%
EPS Next 2Y13.7%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue Next Year11.93%
Revenue Next 2Y11.14%
Revenue Next 3Y10.72%
Revenue Next 5Y10.41%

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 Revenue growth rate is stable: in the next years the growth will be about the same than in the last 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

  • With a Price/Earnings ratio of 27.60, 3V64 can be considered very expensive at the moment.
  • 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 26.77, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 22.14, 3V64 is valued on the expensive side.
  • 3V64's Price/Forward Earnings ratio is in line with the industry average.
  • 3V64's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 27.6
Fwd PE 22.14
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

  • 3V64's Enterprise Value to EBITDA is on the same level as the industry average.
  • 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 27.29
EV/EBITDA 22.25
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.
  • The excellent profitability rating of 3V64 may justify a higher PE ratio.
  • 3V64's earnings are expected to grow with 13.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.93
PEG (5Y)1.54
EPS Next 2Y13.7%
EPS Next 3Y13.13%

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3

5. 3V64.DE Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.87%, 3V64 is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.39, 3V64 has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.87, 3V64 pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.87%

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 Years7
Div Non Decr Years7
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

  • 3V64 pays out 23.10% of its income as dividend. This is a 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 2Y13.7%
EPS Next 3Y13.13%
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 (4/30/2026, 7:00:00 PM)

280.4

-7.2 (-2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength27.33
Industry Growth77.02
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners90.42%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap534.45B
Revenue(TTM)41.39B
Net Income(TTM)20.59B
Analysts83.04
Price Target341.81 (21.9%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
Yearly Dividend2.04
Dividend Growth(5Y)13.85%
DP23.1%
Div Incr Years7
Div Non Decr Years7
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)-2.93%
PT rev (3m)-2.67%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)0.93%
EPS NY rev (1m)0.02%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 27.6
Fwd PE 22.14
P/S 15.11
P/FCF 27.29
P/OCF 25.6
P/B 16.13
P/tB N/A
EV/EBITDA 22.25
EPS(TTM)10.16
EY3.62%
EPS(NY)12.67
Fwd EY4.52%
FCF(TTM)10.28
FCFY3.66%
OCF(TTM)10.96
OCFY3.91%
SpS18.55
BVpS17.38
TBVpS-3.93
PEG (NY)1.93
PEG (5Y)1.54
Graham Number63.0316 (-77.52%)
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 8.28
F-Score6
WACC8.77%
ROIC/WACC4
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 Y14.33%
EPS Next 2Y13.7%
EPS Next 3Y13.13%
EPS Next 5Y13.16%
Revenue 1Y (TTM)12.47%
Revenue growth 3Y10.92%
Revenue growth 5Y12.86%
Sales Q2Q%14.63%
Revenue Next Year11.93%
Revenue Next 2Y11.14%
Revenue Next 3Y10.72%
Revenue Next 5Y10.41%
EBIT growth 1Y13.75%
EBIT growth 3Y10.39%
EBIT growth 5Y13.51%
EBIT Next Year16.34%
EBIT Next 3Y12.37%
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 Fundamental Analysis 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.


Can you provide the profitability details for VISA INC-CLASS A SHARES?

VISA INC-CLASS A SHARES (3V64.DE) has a profitability rating of 9 / 10.


What are the PE and PB ratios of VISA INC-CLASS A SHARES (3V64.DE) stock?

The Price/Earnings (PE) ratio for VISA INC-CLASS A SHARES (3V64.DE) is 27.6 and the Price/Book (PB) ratio is 16.13.


What is the earnings growth outlook for VISA INC-CLASS A SHARES?

The Earnings per Share (EPS) of VISA INC-CLASS A SHARES (3V64.DE) is expected to grow by 14.33% in the next year.