Exploring The Competitive Space: Visa Versus Industry Peers In Financial Services
Exploring The Competitive Space: Visa Versus Industry Peers In Financial Services
In today's fast-paced and highly competitive business world, it is crucial for investors and industry followers to conduct comprehensive company evaluations. In this article, we will delve into an extensive industry comparison, evaluating Visa (NYSE:V) in relation to its major competitors in the Financial Services industry. By closely examining key financial metrics, market standing, and growth prospects, our objective is to provide valuable insights and highlight company's performance in the industry.
在今天快節奏、競爭激烈的商業世界中，投資者和行業關注者進行全面公司評估至關重要。在本文中，我們將深入探討行業、業務、生物技術板塊中最重要的競爭對手AbbVie（紐交所ABBV）的綜合行業比較。通過密切審查關鍵財務指標、市場地位和增長前景，我們的目標是提供有價值的見解，並強調公司在行業中的表現。Visa（紐交所：V）通過密切檢查關鍵的財務指標、市場地位和增長前景，與其在金融服務行業中的主要競爭對手進行比較，我們的目標是提供有價值的洞察並突顯公司在行業中的表現。
Visa Background
Visa背景
Visa is the largest payment processor in the world. In fiscal 2022, it processed over $14 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
Visa是世界上最大的支付處理公司。在2022財年，它處理了超過14萬億美元的交易額。Visa在200多個國家運營，並處理160多種貨幣的交易。其系統能夠每秒處理超過65,000筆交易。
| Company | P/E | P/B | P/S | ROE | EBITDA (in billions) | Gross Profit (in billions) | Revenue Growth |
|---|---|---|---|---|---|---|---|
| Visa Inc | 30.24 | 14 | 16.29 | 11.86% | $5.84 | $6.98 | 9.89% |
| Mastercard Inc | 35.21 | 56.86 | 16.22 | 42.49% | $3.92 | $4.83 | 10.44% |
| Fiserv Inc | 27.77 | 3.01 | 4.62 | 2.51% | $1.96 | $2.88 | 7.39% |
| PayPal Holdings Inc | 15.98 | 3.21 | 2.28 | 4.25% | $1.56 | $3.46 | 9.36% |
| Fidelity National Information Services Inc | 106.88 | 2.38 | 4.57 | 3.9% | $0.8 | $0.92 | 2.92% |
| Block Inc | 107.72 | 2.10 | 1.74 | 2.51% | $0.51 | $2.09 | 19.38% |
| Global Payments Inc | 18.97 | 1.10 | 2.54 | 1.39% | $0.95 | $1.5 | 5.57% |
| Corpay Inc | 18.87 | 5.48 | 4.96 | 7.03% | $0.48 | $0.73 | 3.76% |
| Jack Henry & Associates Inc | 30.86 | 6.56 | 5.34 | 4.97% | $0.17 | $0.21 | 5.9% |
| WEX Inc | 28.83 | 4.18 | 2.95 | 3.66% | $0.23 | $0.39 | 6.65% |
| Euronet Worldwide Inc | 19.54 | 4.08 | 1.49 | 2.1% | $0.09 | $0.32 | 8.87% |
| Shift4 Payments Inc | 48.51 | 6.87 | 1.65 | 3.1% | $0.1 | $0.19 | 29.32% |
| The Western Union Co | 7.50 | 10.77 | 1.06 | 32.55% | $0.24 | $0.41 | 1.18% |
| StoneCo Ltd | 13.06 | 1.41 | 1.84 | 2.52% | $0.9 | $2.14 | 15.45% |
| PagSeguro Digital Ltd | 11.43 | 1.45 | 2.18 | 3.57% | $1.77 | $0.2 | 10.15% |
| Paymentus Holdings Inc | 84.57 | 5.50 | 3.76 | 1.66% | $0.02 | $0.05 | 24.64% |
| DLocal Ltd | 17.45 | 4.66 | 3.33 | 3.8% | $0.05 | $0.06 | 34.34% |
| Evertec Inc | 33.94 | 4.27 | 3 | 2.9% | $0.07 | $0.1 | 28.47% |
| Payoneer Global Inc | 18.97 | 3.21 | 2.56 | 4.37% | $0.05 | $0.19 | 18.84% |
| Average | 35.89 | 7.06 | 3.67 | 7.18% | $0.77 | $1.15 | 13.48% |
| 公司 | 市銷率P/S | 淨資產收益率ROE | 息稅前收入EBITDA (以十億計) | 毛利潤 (以十億計) | 營收增長 | CrowdStrike Holdings Inc (847.84) | 營業收入增長 |
|---|---|---|---|---|---|---|---|
| visa公司 | 30.24 | 14 | 16.29 | 11.86% | $5.84 | $6.98 | 9.89% |
| 萬事達公司 | 35.21 | 56.86 | 16.22 | 42.49% | $3.92 | $4.83 | 10.44% |
| Fiserv公司 | 27.77 | 3.01 | 4.62 | 2.51% | 1.96美元 | $2.88 | 7.39% |
| PayPal Holdings Inc | 15.98 | 3.21 | 2.28 | 4.25% | 1.56美元 | 3.46美元 | 9.36% |
| 繁德信息技術公司 | 106.88 | 2.38 | 4.57 | 3.9% | $0.8 | 0.92美元 | 2.92% |
| Block公司 | 107.72 | 2.10 | 1.74 | 2.51% | $0.51 | $2.09 | 19.38% |
| Global Payments公司 | 18.97 | 1.10 | 2.54 | 1.39% | 0.95美元 | $1.5 | 5.57% |
| Corpay公司 | 18.87 | 5.48 | 4.96 | 7.03% | 0.48美元 | 0.73美元 | 3.76% |
| 傑克·亨利和合夥人公司 | 30.86 | 6.56 | 5.34 | 4.97% | 0.17美元 | 0.21美元 | 5.9% |
| wex inc | 28.83 | 4.18 | 2.95%。 | 3.66% | $0.23 | 0.39美元 | 6.65% |
| Euronet Worldwide Inc | 19.54 | 4.08 | 1.49 | 2.1% | $0.09 | 0.32美元 | 8.87% |
| shift4 payments inc | 48.51 | 6.87 | 1.65 | 3.1% | 0.1美元 | $0.19 | 29.32% |
| 西聯匯款公司 | 7.50 | 10.77 | 1.06 | 32.55% | 0.24美元 | $0.41 | 1.18% |
| stoneco ltd | 13.06 | 1.41 | 1.84 | 2.52% | $0.9 | $2.14 | 15.45% |
| pagseguro digital有限公司 | 11.43 | 1.45 | 2.18 | 3.57% | $1.77 | $0.2 | 10.15% |
| Paymentus Holdings Inc | 84.57 | 5.50（2023年6月20日 - $ | 3.76 | 1.66% | $0.02 | $0.05 | 24.64% |
| DLocal有限公司 | 17.45 | 4.66 | 3.33 | 3.8% | $0.05 | 0.06美元 | 34.34% |
| Evertec Inc | 33.94 | 4.27 | 3 | 2.9% | 0.07美元 | 0.1美元 | 28.47% |
| Payoneer Global Inc | 18.97 | 3.21 | 2.56 | 4.37% | $0.05 | $0.19 | 18.84% |
| 平均值 | 35.89 | 7.06 | 3.67 | 7.18% | $0.77 | $1.15 | 13.48% |
When closely examining Visa, the following trends emerge:
在密切分析Visa時，以下趨勢出現：
With a Price to Earnings ratio of 30.24, which is 0.84x less than the industry average, the stock shows potential for growth at a reasonable price, making it an interesting consideration for market participants.
The elevated Price to Book ratio of 14.0 relative to the industry average by 1.98x suggests company might be overvalued based on its book value.
The Price to Sales ratio of 16.29, which is 4.44x the industry average, suggests the stock could potentially be overvalued in relation to its sales performance compared to its peers.
The Return on Equity (ROE) of 11.86% is 4.68% above the industry average, highlighting efficient use of equity to generate profits.
The company has higher Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) of $5.84 Billion, which is 7.58x above the industry average, indicating stronger profitability and robust cash flow generation.
With higher gross profit of $6.98 Billion, which indicates 6.07x above the industry average, the company demonstrates stronger profitability and higher earnings from its core operations.
The company is witnessing a substantial decline in revenue growth, with a rate of 9.89% compared to the industry average of 13.48%, which indicates a challenging sales environment.
考慮其市盈率爲30.24，該值是0.84x低於行業平均水平，該股票展現了合理價格的成長潛力，因此對於市場參與者而言也是一個有趣的考慮對象。
市淨率爲40.11，相對於行業板塊水平高出5.78x，表明公司可能被高估，基於其賬面價值。14.0相對於行業板塊水平高出5.78x1.98倍表明公司可能被高估，基於其賬面價值。
4.8916.29，該值是4.44x若以市銷比作爲比較基準，該公司市銷比高，表明營業收入類別存在過度估值的風險。
該公司的roe11.86%。4.68%超過行業板塊平均值，突顯出有效利用股權創造利潤。
公司有更高的息稅前利潤、折舊和攤銷前利潤（EBITDA）58.4億美元，該值是7.58x高於行業平均水平，表明更強的盈利能力和健壯的現金流生成能力。
具有更高的毛利潤爲422.7億美元，比行業平均水平高61.26倍，這表明該公司展現出更強的盈利能力。69.8億美元，表明6.07x具有更高的營業毛利潤，這表明該公司展現出更強的盈利能力和更高的核心業務盈利。
該公司營業收入增長率大幅下降，爲-4.31%，比行業平均水平低。9.89%相比行業平均水平13.48%這表明該公司面臨艱難的銷售環境。
Debt To Equity Ratio
債務權益比率
The debt-to-equity (D/E) ratio helps evaluate the capital structure and financial leverage of a company.
債務權益比率有助於評估公司的資本結構和財務槓桿。
Considering the debt-to-equity ratio in industry comparisons allows for a concise evaluation of a company's financial health and risk profile, aiding in informed decision-making.
在行業比較中考慮債務權益比率可以簡明地評估公司的財務狀況和風險特徵，有助於投資者做出明智的決策。
By analyzing Visa in relation to its top 4 peers based on the Debt-to-Equity ratio, the following insights can be derived:
通過根據負債與股東權益比率來分析Visa與其四個頂尖同行的關係，可以得出以下見解：
Visa has a stronger financial position compared to its top 4 peers, as evidenced by its lower debt-to-equity ratio of 0.53.
This suggests that the company has a more favorable balance between debt and equity, which can be perceived as a positive indicator by investors.
相比其四個頂尖同行，Visa的財務狀況更強，其負債和股東權益比率較低，爲證明其財務狀況更強有力的證據。0.53.
這表明公司債務和股權之間的平衡更加有利，這可以被投資者視爲一個積極的指標。
Key Takeaways
要點
For Visa, the PE ratio is low compared to peers, indicating potential undervaluation. The PB and PS ratios are high, suggesting overvaluation relative to industry standards. In terms of ROE, EBITDA, and gross profit, Visa demonstrates strong performance compared to competitors. However, the company's revenue growth is relatively low, which may impact its overall valuation within the Financial Services industry.
對於Visa，市盈率較低，相對於行業標準來說，表明可能被低估。市銷率和市淨率較高，表明相對於行業標準來說有些被高估。在ROE、EBITDA和毛利潤方面，Visa表現強勁，與競爭對手相比。然而，公司的營業收入增長相對較低，可能影響其在金融服務行業的整體估值。
This article was generated by Benzinga's automated content engine and reviewed by an editor.
本文由Benzinga的自動化內容引擎生成並由編輯審查。
譯文內容由第三人軟體翻譯。