US92826C8394 - Common Stock

Taking everything into account, **V** scores **7** out of 10 in our fundamental rating. **V** was compared to 104 industry peers in the **Financial Services** industry. **V** gets an excellent profitability rating and is at the same time showing great financial health properties. **V** is quite expensive at the moment. It does show a decent growth rate. These ratings would make **V** suitable for quality investing!

In the past year **V** had a positive cash flow from operations.

In the past 5 years **V** has always been profitable.

Looking at the **Return On Assets**, with a value of **20.67%**, **V** belongs to the top of the industry, outperforming **99.04%** of the companies in the same industry.

Looking at the **Return On Equity**, with a value of **47.37%**, **V** belongs to the top of the industry, outperforming **97.12%** of the companies in the same industry.

The **Return On Invested Capital** of **V** (**28.11%**) is better than **98.08%** of its industry peers.

The 3 year average ROIC (**23.76%**) for **V** is below the current ROIC(**28.11%**), indicating increased profibility in the last year.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 20.67% | ||

ROE | 47.37% | ||

ROIC | 28.11% |

ROA(3y)16.79%

ROA(5y)15.87%

ROE(3y)38.97%

ROE(5y)35.89%

ROIC(3y)23.76%

ROIC(5y)22.03%

Looking at the **Profit Margin**, with a value of **53.89%**, **V** belongs to the top of the industry, outperforming **92.31%** of the companies in the same industry.

Looking at the **Gross Margin**, with a value of **80.18%**, **V** belongs to the top of the industry, outperforming **86.54%** of the companies in the same industry.

In the last couple of years the **Gross Margin** of **V** has remained more or less at the same level.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | 66.95% | ||

PM (TTM) | 53.89% | ||

GM | 80.18% |

OM growth 3Y1.35%

OM growth 5Y0.41%

PM growth 3Y2.76%

PM growth 5Y1.52%

GM growth 3Y0.23%

GM growth 5Y-0.35%

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so **V** is creating value.

Compared to 1 year ago, **V** has less shares outstanding

The number of shares outstanding for **V** has been reduced compared to 5 years ago.

An Altman-Z score of **7.85** indicates that **V** is not in any danger for bankruptcy at the moment.

The Debt to FCF ratio of **V** is **1.09**, which is an excellent value as it means it would take **V**, only **1.09** years of fcf income to pay off all of its debts.

Looking at the **Debt to FCF ratio**, with a value of **1.09**, **V** is in the better half of the industry, outperforming **79.81%** of the companies in the same industry.

With a **Debt to Equity ratio** value of **0.52**, **V** perfoms like the industry average, outperforming **55.77%** of the companies in the same industry.

Although **V** 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 | 1.09 | ||

Altman-Z | 7.85 |

ROIC/WACC3.35

WACC8.39%

A Current Ratio of **1.37** indicates that **V** should not have too much problems paying its short term obligations.

With a decent **Current ratio** value of **1.37**, **V** is doing good in the industry, outperforming **60.58%** of the companies in the same industry.

A Quick Ratio of **1.37** indicates that **V** should not have too much problems paying its short term obligations.

The **Quick ratio** of **V** (**1.37**) is better than **61.54%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | 1.37 | ||

Quick Ratio | 1.37 |

The **Earnings Per Share** has grown by an nice **15.67%** over the past year.

The **Earnings Per Share** has been growing by **13.75%** on average over the past years. This is quite good.

The **Revenue** has grown by **9.70%** in the past year. This is quite good.

The **Revenue** has been growing by **9.64%** on average over the past years. This is quite good.

EPS 1Y (TTM)15.67%

EPS 3Y20.31%

EPS 5Y13.75%

EPS Q2Q%12.04%

Revenue 1Y (TTM)9.7%

Revenue growth 3Y14.34%

Revenue growth 5Y9.64%

Sales Q2Q%9.57%

Based on estimates for the next years, **V** will show a quite strong growth in **Earnings Per Share**. The EPS will grow by **14.77%** on average per year.

The **Revenue** is expected to grow by **9.81%** on average over the next years. This is quite good.

EPS Next Y15.5%

EPS Next 2Y13.64%

EPS Next 3Y13.55%

EPS Next 5Y14.77%

Revenue Next Year9.81%

Revenue Next 2Y9.96%

Revenue Next 3Y10%

Revenue Next 5Y9.81%

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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.

A **Price/Earnings** ratio of **27.57** indicates a quite expensive valuation of **V**.

Compared to the rest of the industry, the **Price/Earnings** ratio of **V** is on the same level as its industry peers.

When comparing the **Price/Earnings** ratio of **V** to the average of the S&P500 Index (**28.95**), we can say **V** is valued inline with the index average.

Based on the **Price/Forward Earnings** ratio of **23.56**, the valuation of **V** can be described as rather expensive.

Compared to the rest of the industry, the **Price/Forward Earnings** ratio of **V** indicates a slightly more expensive valuation: **V** is more expensive than 67.31% of the companies listed in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 27.57 | ||

Fwd PE | 23.56 |

Compared to the rest of the industry, the **Enterprise Value to EBITDA** ratio of **V** is on the same level as its industry peers.

Compared to the rest of the industry, the **Price/Free Cash Flow** ratio of **V** is on the same level as its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 28.13 | ||

EV/EBITDA | 21.83 |

The **PEG Ratio(NY)**, which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.78

PEG (5Y)2.01

EPS Next 2Y13.64%

EPS Next 3Y13.55%

Compared to an average industry **Dividend Yield** of **3.58**, **V** has a dividend in line with its industry peers.

With a **Dividend Yield** of **0.78**, **V** pays less dividend than the S&P500 average, which is at **2.28**.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 0.78% |

On average, the dividend of **V** grows each year by **16.40%**, which is quite nice.

Dividend Growth(5Y)16.4%

Div Incr Years0

Div Non Decr Years0

The dividend of **V** is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP21.81%

EPS Next 2Y13.64%

EPS Next 3Y13.55%

**VISA INC-CLASS A SHARES**

NYSE:V (8/2/2024, 7:04:00 PM)

After market: 262.66 -3.92 (-1.47%)**266.58**

**+0.65 (+0.24%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap533.43B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 0.78% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

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Revenue beat(2)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 27.57 | ||

Fwd PE | 23.56 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)1.78

PEG (5Y)2.01

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 20.67% | ||

ROE | 47.37% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | 66.95% | ||

PM (TTM) | 53.89% | ||

GM | 80.18% | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.38

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.52 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | 1.37 | ||

Quick Ratio | 1.37 | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)15.67%

EPS 3Y20.31%

EPS 5Y

EPS Q2Q%

EPS Next Y15.5%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)9.7%

Revenue growth 3Y14.34%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y