NYSE: V - Visa

Yield per half year: -1.77%
Sector: Financials

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1. Summary

Advantages

  • Current debt level 22.73% is below 100% and has decreased over 5 years from 24.02%.
  • The company's current efficiency (ROE=44.6%) is higher than the sector average (ROE=10.77%)

Disadvantages

  • Price (269.15 $) is higher than fair price (93.7 $)
  • Dividends (0.6851%) are below the sector average (2.93%).
  • The stock's return over the last year (17.38%) is lower than the sector average (28.17%).

Similar companies

ING Groep N.V.

Mitsubishi UFJ Financial Group

BlackRock

Valero Energy

2. Share price and performance

2.1. Share price

2.2. News

2.3. Market efficiency

Visa Financials Index
7 days -1.3% -0.5% -0.7%
90 days 0.3% 11.5% 2.6%
1 year 17.4% 28.2% 33.6%

V vs Sector: Visa has significantly underperformed the "Financials" sector by -10.78% over the past year.

V vs Market: Visa has significantly underperformed the market by -16.26% over the past year.

Stable price: V is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.

Long period: V with weekly volatility of 0.3343% over the past year.

3. Summary of the report

3.1. General

P/E: 28.17
P/S: 14.9

3.2. Revenue

EPS 8.28
ROE 44.6%
ROA 19.09%
ROIC 25.09%
Ebitda margin 65.34%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Above fair price: The current price (269.15 $) is higher than the fair price (93.7 $).

Price is higher than fair: The current price (269.15 $) is 65.2% higher than the fair price.

4.2. P/E

P/E vs Sector: The company's P/E (28.17) is lower than that of the sector as a whole (62.48).

P/E vs Market: The company's P/E (28.17) is lower than that of the market as a whole (65.94).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (12.56) is higher than that of the sector as a whole (1.37).

P/BV vs Market: The company's P/BV (12.56) is lower than that of the market as a whole (22.78).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (14.9) is lower than that of the sector as a whole (95.96).

P/S vs Market: The company's P/S indicator (14.9) is lower than that of the market as a whole (31.24).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (23) is higher than that of the sector as a whole (-62.85).

EV/Ebitda vs Market: The company's EV/Ebitda (23) is lower than that of the market as a whole (26.74).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Rising and has grown by 8.6% over the last 5 years.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (8.6%).

Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-70.46%).

5.4. ROE

ROE vs Sector: The company's ROE (44.6%) is higher than that of the sector as a whole (10.77%).

ROE vs Market: The company's ROE (44.6%) is higher than that of the market as a whole (17.45%).

5.5. ROA

ROA vs Sector: The company's ROA (19.09%) is higher than that of the sector as a whole (3.18%).

ROA vs Market: The company's ROA (19.09%) is higher than that of the market as a whole (6.43%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (25.09%) is higher than that of the sector as a whole (5.17%).

ROIC vs Market: The company's ROIC (25.09%) is higher than that of the market as a whole (9.31%).

6. Finance

6.1. Assets and debt

Debt level: (22.73%) is quite low in relation to assets.

Debt reduction: over 5 years, the debt has decreased from 24.02% to 22.73%.

Excess of debt: The debt is not covered by net income, percentage 119.08%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Low yield: The dividend yield of the company 0.6851% is below the average for the sector '2.93%.

7.2. Stability and increase in payments

Dividend stability: The company's dividend yield 0.6851% has been steadily paid over the past 7 years, DSI=0.93.

Dividend growth: Company's dividend yield 0.6851% has been growing over the last 5 years. Growth over 15 years.

7.3. Payout percentage

Dividend Coverage: Current payments from income (21.72%) are at an uncomfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

No insider transactions have been recorded yet

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