FRA/3V64 (FRA/3V64)

Frankfurt Stock Exchange: FRA/3V64 · EUR

€352

-9.06 (-2.5%)· Recorded snapshot

Market cap	662B
Revenue (ttm)	40.4B
Net income (ttm)	20.7B
EPS (ttm)	€10.5
P/E (trailing)	33.7x
P/E (forward)	26.5x
Dividend	€2.29 (0.65%)
Volume	148

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 40.4B
Net income (ttm): 20.7B
EPS (ttm): €10.5
P/E (trailing): 33.7x
P/E (forward): 26.5x
Market cap: 662B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E26.5

P25 n/aP50 n/aP75 n/a

Trailing P/E33.7

P25 n/aP50 n/aP75 n/a

ROE63.5

P25 n/aP50 n/aP75 n/a

ROIC56

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

All FRA/3V64 indicators

Market & fundamental data

Available fields

255

Groups with data

Currency

USD

Showing 255 of 255 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-27
Employees	34,100
Employees change	2,500
Employees growth	7.91%
Enterprise value	EUR 669.7B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	September
Founded	1958
Industry	Credit Services
Is primary listing	No
ISIN number	US92826C8394
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Last stock split date	2015-03-19
Last stock split type	Forward
Market cap	EUR 662B
Next earnings date	2027-01-26
Price	EUR 352.05
Price currency	EUR
Sector	Financials
SIC code	6099
Stock price date	2026-10-27
Symbol	fra/3V64
Website	https://www.visa.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	31.13x
Average P/E ratio (3Y)	29.49x
Average P/E ratio (5Y)	28.84x
Earnings yield	2.97%
EV/Earnings	32.35x
EV/EBIT	24.98x
EV/EBITDA	23.86x
EV/FCF	34.48x
EV/Sales	16.25x
FCF / EV yield	2.9%
FCF yield	2.93%
Forward P/E	26.47x
Graham number	64.71072
Graham upside	-81.62%
Lynch fair value	EUR 158.22
Lynch upside	-55.06%
P/(FCF - SBC) ratio	35.58x
P/(OCF - SBC) ratio	32.97x
P/B ratio	20.82x
P/E ratio	33.66x
P/FCF ratio	34.09x
P/OCF ratio	31.68x
P/S ratio	16.38x
Price/EBITDA ratio	24.04x
Sector forward P/E	11.95x
Sector P/E	12.95x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	65.08%
EBITDA margin	68.14%
Effective tax rate	16.34%
FCF margin	47.07%
Gross margin	97.68%
Operating margin	65.08%
Pretax margin	61.2%
Profit margin	51.2%
Profit per employee	EUR 606,968
Profitable quarters	56
Profitable years	18
Revenue per employee	EUR 1.2M
ROA	19.25%
ROA (5Y)	16.58%
ROCE	47.59%
ROE	63.51%
ROE (5Y)	50.73%
ROIC	55.95%
ROIC (5Y)	47.29%
SBC / revenue	2.02%
Tax / revenue	10%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	14.05%
EPS growth (Q)	-34.73%
EPS growth (QoQ)	-42.4%
EPS growth 10Y	16.71%
EPS growth 3Y	11.99%
EPS growth 5Y	15.64%
EPS growth quarters	3
EPS growth years	5
FCF growth	2.23%
FCF growth (Q)	17.85%
FCF growth (QoQ)	12.32%
FCF growth 3Y	3.85%
FCF growth 5Y	8.72%
Gross profit growth	14.66%
Gross profit growth (Q)	12.98%
Gross profit growth 3Y	12%
Gross profit growth 5Y	13.91%
Net income growth	17.18%
Net income growth (Q)	17.92%
Net income growth (QoQ)	7.5%
Net income growth 3Y	11.43%
Net income growth 5Y	14.38%
Net income growth quarters	3
Net income growth years	5
OCF growth	2.9%
OCF growth (Q)	18.4%
OCF growth (QoQ)	12.69%
OCF growth 10Y	15.59%
OCF growth 3Y	4.56%
OCF growth 5Y	9.28%
Operating income growth	11.44%
Operating income growth (Q)	9.71%
Operating income growth 3Y	10.86%
Operating income growth 5Y	13.58%
Revenue growth	14.76%
Revenue growth (Q)	13.2%
Revenue growth (QoQ)	4.35%
Revenue growth 10Y	11.77%
Revenue growth 3Y	12.02%
Revenue growth 5Y	13.75%
Revenue growth quarters	21
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -1.5B
Depreciation and amortization	EUR 1.3B
EBIT	EUR 26.3B
EBITDA	EUR 27.5B
EPS	EUR 10.46
Financing cash flow	EUR -24.9B
Free cash flow	EUR 19.4B
Free cash flow minus SBC	EUR 18.6B
Gross profit	EUR 39.5B
Income taxes	EUR 4B
Investing cash flow	EUR -875.3M
Net borrowing	EUR -2.3B
Net cash flow	EUR -5.2B
Net income	EUR 20.7B
Operating cash flow minus SBC	EUR 20.1B
Operating income	EUR 26.3B
Revenue	EUR 40.4B
Stock-based compensation	EUR 817.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 17.77
Debt / EBITDA	0.71
Debt / equity	0.61
Debt / FCF	1
Goodwill	EUR 18.7B
Interest coverage	39.41
Long-term assets	EUR 55.7B
Long-term liabilities	EUR 22.9B
Net cash (debt)	EUR -7B
Net cash / market cap	-1.06%
Net debt / EBITDA	0.26
Net debt / equity	0.22
Net debt / FCF	0.36
Piotroski F-Score	6
Property, plant and equipment	EUR 4.6B
Shareholders' equity	EUR 31.8B
Tangible book value	EUR -11.1B
Tangible book value per share	EUR -6.27
Total assets	EUR 83.1B
Total cash	EUR 12.4B
Total debt	EUR 19.4B
Total liabilities	EUR 51.3B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.47
Current assets	EUR 27.4B
Current liabilities	EUR 28.4B
Current ratio	0.97
Net working capital	EUR -11B
Quick ratio	0.63
Working capital	EUR -970.4M
Working capital turnover	50.03

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.75%
Dividend growth	5.71%
Dividend growth (10Y)	16.37%
Dividend growth (3Y)	10.74%
Dividend growth (5Y)	16.35%
Dividend growth years	17
Dividend payment date	2026-09-01
Dividend payment years	19
Dividend payout frequency	Quarterly
Dividend per share	EUR 2.29
Dividend yield	0.65%
Ex-dividend date	2026-08-11
Last dividend	EUR 0.58
Payout ratio	21.75%
Shareholder yield	-2.1%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	371.06%
10Y return CAGR	17.59%
10Y total return	405.5%
150-day SMA	EUR 303.46
15Y price change	2,052.82%
15Y return CAGR	23.6%
15Y total return	2,299.66%
1D price change	-2.51%
1M price change	9.28%
1M total return	9.28%
1W price change	-2.82%
1W total return	-2.82%
1Y price change	17.78%
1Y return CAGR	18.74%
1Y total return	18.73%
20-day SMA	EUR 346.34
200-day SMA	EUR 295.47
3M price change	13.09%
3M total return	13.3%
3Y price change	60.64%
3Y return CAGR	18.01%
3Y total return	64.36%
50-day SMA	EUR 332.00
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 368.95
52-week high date	2026-10-23
52-week low	EUR 254.00
52-week low date	2026-04-01
5Y price change	75.89%
5Y return CAGR	12.81%
5Y total return	82.68%
6M price change	33.56%
6M total return	34.08%
All-time high	EUR 368.95
All-time high date	2026-10-23
All-time low	EUR 8.00
All-time low date	2009-01-27
Average true range (ATR)	EUR 5.75
Average volume	730.2
Change from 52-week high	-4.58%
Change from 52-week low	38.6%
Change from all-time high	-4.58%
Change from all-time low	4,301.73%
Change from open	-3.19%
Day's gap	0.71%
Dollar volume	EUR 52,103
High price	EUR 363.65
Low price	EUR 352.05
Monthly RSI	67.25
Open price	EUR 363.65
Position in 52-week range	0%
Previous close	EUR 361.10
Price vs 150-day SMA	16.01%
Price vs 20-day SMA	1.65%
Price vs 200-day SMA	19.15%
Price vs 50-day SMA	6.04%
Relative volume	0.2
RSI	57.61
Sharpe ratio	0.74
Sharpe ratio (3Y)	0.63
Sharpe ratio (5Y)	0.52
Sortino ratio	1.43
Sortino ratio (3Y)	1.18
Sortino ratio (5Y)	1
Volume	148
Weekly RSI	67.93
YTD price change	16.86%
YTD total return	17.56%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.7B
Shares change (QoQ)	85.14%
Shares change (YoY)	2.75%
Shares held by insiders	0.04%
Shares held by institutions	82.63%

Deeper analysis on FRA/3V64

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this FRA/3V64 report

Is a complete FRA/3V64 research report available?

No complete published report is available for fra/3V64 (FRA/3V64) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

662B

Revenue (ttm)

40.4B

Net income (ttm)

20.7B

EPS (ttm)

€10.5

P/E (trailing)

33.7x

P/E (forward)

26.5x

Dividend

€2.29 (0.65%)

Volume

148

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-27

Employees

34,100

Employees change

2,500

Employees growth

7.91%

Enterprise value

EUR 669.7B

Exchange

Frankfurt Stock Exchange

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

September

Founded

1958

Industry

Credit Services

Is primary listing

ISIN number

US92826C8394

Last earnings date

2026-10-27

Last refreshed

2026-10-28

Last stock split date

2015-03-19

Last stock split type

Forward

Market cap

EUR 662B

Next earnings date

2027-01-26

Price

EUR 352.05

Price currency

EUR

Sector

Financials

SIC code

6099

Stock price date

2026-10-27

Symbol

fra/3V64

Website

https://www.visa.com

Metric

Value

Average P/E ratio (10Y)

31.13x

Average P/E ratio (3Y)

29.49x

Average P/E ratio (5Y)

28.84x

Earnings yield

2.97%

EV/Earnings

32.35x

EV/EBIT

24.98x

EV/EBITDA

23.86x

EV/FCF

34.48x

EV/Sales

16.25x

FCF / EV yield

2.9%

FCF yield

2.93%

Forward P/E

26.47x

Graham number

64.71072

Graham upside

-81.62%

Lynch fair value

EUR 158.22

Lynch upside

-55.06%

P/(FCF - SBC) ratio

35.58x

P/(OCF - SBC) ratio

32.97x

P/B ratio

20.82x

P/E ratio

33.66x

P/FCF ratio

34.09x

P/OCF ratio

31.68x

P/S ratio

16.38x

Price/EBITDA ratio

24.04x

Sector forward P/E

11.95x

Sector P/E

12.95x

Metric

Value

EBIT margin

65.08%

EBITDA margin

68.14%

Effective tax rate

16.34%

FCF margin

47.07%

Gross margin

97.68%

Operating margin

65.08%

Pretax margin

61.2%

Profit margin

51.2%

Profit per employee

EUR 606,968

Profitable quarters

Profitable years

Revenue per employee

EUR 1.2M

ROA

19.25%

ROA (5Y)

16.58%

ROCE

47.59%

ROE

63.51%

ROE (5Y)

50.73%

ROIC

55.95%

ROIC (5Y)

47.29%

SBC / revenue

2.02%

Tax / revenue

10%

Metric

Value

EPS growth

14.05%

EPS growth (Q)

-34.73%

EPS growth (QoQ)

-42.4%

EPS growth 10Y

16.71%

EPS growth 3Y

11.99%

EPS growth 5Y

15.64%

EPS growth quarters

EPS growth years

FCF growth

2.23%

FCF growth (Q)

17.85%

FCF growth (QoQ)

12.32%

FCF growth 3Y

3.85%

FCF growth 5Y

8.72%

Gross profit growth

14.66%

Gross profit growth (Q)

12.98%

Gross profit growth 3Y

12%

Gross profit growth 5Y

13.91%

Net income growth

17.18%

Net income growth (Q)

17.92%

Net income growth (QoQ)

7.5%

Net income growth 3Y

11.43%

Net income growth 5Y

14.38%

Net income growth quarters

Net income growth years

OCF growth

2.9%

OCF growth (Q)

18.4%

OCF growth (QoQ)

12.69%

OCF growth 10Y

15.59%

OCF growth 3Y

4.56%

OCF growth 5Y

9.28%

Operating income growth

11.44%

Operating income growth (Q)

9.71%

Operating income growth 3Y

10.86%

Operating income growth 5Y

13.58%

Revenue growth

14.76%

Revenue growth (Q)

13.2%

Revenue growth (QoQ)

4.35%

Revenue growth 10Y

11.77%

Revenue growth 3Y

12.02%

Revenue growth 5Y

13.75%

Revenue growth quarters

Revenue growth years

Metric

Value

Capital expenditures

EUR -1.5B

Depreciation and amortization

EUR 1.3B

EBIT

EUR 26.3B

EBITDA

EUR 27.5B

EPS

EUR 10.46

Financing cash flow

EUR -24.9B

Free cash flow

EUR 19.4B

Free cash flow minus SBC

EUR 18.6B

Gross profit

EUR 39.5B

Income taxes

EUR 4B

Investing cash flow

EUR -875.3M

Net borrowing

EUR -2.3B

Net cash flow

EUR -5.2B

Net income

EUR 20.7B

Operating cash flow minus SBC

EUR 20.1B

Operating income

EUR 26.3B

Revenue

EUR 40.4B

Stock-based compensation

EUR 817.2M

Metric

Value

Book value per share

EUR 17.77

Debt / EBITDA

0.71

Debt / equity

0.61

Debt / FCF

Goodwill

EUR 18.7B

Interest coverage

39.41

Long-term assets

EUR 55.7B

Long-term liabilities

EUR 22.9B

Net cash (debt)

EUR -7B

Net cash / market cap

-1.06%

Net debt / EBITDA

0.26

Net debt / equity

0.22

Net debt / FCF

0.36

Piotroski F-Score

Property, plant and equipment

EUR 4.6B

Shareholders' equity

EUR 31.8B

Tangible book value

EUR -11.1B

Tangible book value per share

EUR -6.27

Total assets

EUR 83.1B

Total cash

EUR 12.4B

Total debt

EUR 19.4B

Total liabilities

EUR 51.3B

Metric

Value

Asset turnover

0.47

Current assets

EUR 27.4B

Current liabilities

EUR 28.4B

Current ratio

0.97

Net working capital

EUR -11B

Quick ratio

0.63

Working capital

EUR -970.4M

Working capital turnover

50.03

Metric

Value

Buyback yield / dilution

-2.75%

Dividend growth

5.71%

Dividend growth (10Y)

16.37%

Dividend growth (3Y)

10.74%

Dividend growth (5Y)

16.35%

Dividend growth years

Dividend payment date

2026-09-01

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 2.29

Dividend yield

0.65%

Ex-dividend date

2026-08-11

Last dividend

EUR 0.58

Payout ratio

21.75%

Shareholder yield

-2.1%

Metric

Value

10Y price change

371.06%

10Y return CAGR

17.59%

10Y total return

405.5%

150-day SMA

EUR 303.46

15Y price change

2,052.82%

15Y return CAGR

23.6%

15Y total return

2,299.66%

1D price change

-2.51%

1M price change

9.28%

1M total return

9.28%

1W price change

-2.82%

1W total return

-2.82%

1Y price change

17.78%

1Y return CAGR

18.74%

1Y total return

18.73%

20-day SMA

EUR 346.34

200-day SMA

EUR 295.47

3M price change

13.09%

3M total return

13.3%

3Y price change

60.64%

3Y return CAGR

18.01%

3Y total return

64.36%

50-day SMA

EUR 332.00

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 368.95

52-week high date

2026-10-23

52-week low

EUR 254.00

52-week low date

2026-04-01

5Y price change

75.89%

5Y return CAGR

12.81%

5Y total return

82.68%

6M price change

33.56%

6M total return

34.08%

All-time high

EUR 368.95

All-time high date

2026-10-23

All-time low

EUR 8.00

All-time low date

2009-01-27

Average true range (ATR)

EUR 5.75

Average volume

730.2

Change from 52-week high

-4.58%

Change from 52-week low

38.6%

Change from all-time high

-4.58%

Change from all-time low

4,301.73%

Change from open

-3.19%

Day's gap

0.71%

Dollar volume

EUR 52,103

High price

EUR 363.65

Low price

EUR 352.05

Monthly RSI

67.25

Open price

EUR 363.65

Position in 52-week range

Previous close

EUR 361.10

Price vs 150-day SMA

16.01%

Price vs 20-day SMA

1.65%

Price vs 200-day SMA

19.15%

Price vs 50-day SMA

6.04%

Relative volume

0.2

RSI

57.61

Sharpe ratio

0.74

Sharpe ratio (3Y)

0.63

Sharpe ratio (5Y)

0.52

Sortino ratio

1.43

Sortino ratio (3Y)

1.18

Sortino ratio (5Y)

Volume

148

Weekly RSI

67.93

YTD price change

16.86%

YTD total return

17.56%

Metric

Value

Float

1.7B

Shares change (QoQ)

85.14%

Shares change (YoY)

2.75%

Shares held by insiders

0.04%

Shares held by institutions

82.63%

FRA/3V64 (FRA/3V64)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/3V64

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/3V64 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FRA/3V64

Frequently asked questions

FRA/3V64 (FRA/3V64)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/3V64

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/3V64 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FRA/3V64

Frequently asked questions