Visa Inc. - 3V64.DE

3V64.DE Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
3V64.DE	0.7	3.5	7.3	20.5	33.4	27.0	62.4	74.6	467.7	3019.0
S&P 500	-0.5	-1.3	2.2	3.9	11.1	22.6	33.7	83.9	202.7	34097.7

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Returns Charts ⓘ

Interactive Price Chart

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Real-time Full Quote

Attribute	Value
symbol	3V64.DE
name	Visa Inc.
price	325
changes percentage	0.6815
change	2.2
day low	323.25
day high	325
year high	325
year low	233
market cap	633231415050
price avg 50	303.13
price avg 200	266.39926
exchange	XETRA
volume	46
avg volume	1678
open	323.25
previous close	322.8
eps	9.32
pe	34.87
earnings announcement	2025-01-30T21:00:00.000+0000
shares outstanding	1948404354
timestamp	2025-01-30 08:07:40

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 41.0%

Overall Quarterly Financial Health: 58.3%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2024	2023	Y/Y change %
0000000000
revenue	35926000000	32653000000	10.02
gross profit	28884000000	26086000000	10.73
gross profit ratio	0.8	0.8	0.64
research and development expenses	0	0	NaN
operating expenses	5289000000	5086000000	3.99
interest income	0	0	NaN
interest expense	641000000	644000000	-0.47
ebitda	25591000000	22870000000	11.90
ebitdaratio	0.71	0.7	1.70
operating income	23595000000	21000000000	12.36
operating income ratio	0.66	0.64	2.12
net income	19743000000	17273000000	14.30
net income ratio	0.55	0.53	3.89
eps	0	8.15	-100.00

Overall Score of Annual Income Statement

0.71 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 35,926 million in 2024 from 32,653 million in 2023 representing a change of 10.02%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 28,884 million in 2024 from 26,086 million in 2023 representing a change of 10.73%. This indicates a sales profitability growth, which is a positive sign for the company.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 25,591 million in 2024 from 22,870 million in 2023 representing a change of 11.9%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Operating Income: Operating income increased to 23,595 million in 2024 from 21,000 million in 2023 representing a change of 12.36%. The increase in operating income indicates better operational performance and increased profitability.

  Net Income: Net income increased to 19,743 million in 2024 from 17,273 million in 2023 representing a change of 14.3%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.

• 📉 Negative Indicators

  Operating Expenses: Operating Expenses increased to 5,289 million in 2024 from 5,086 million in 2023 representing a change of 3.99%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  Earnings per Share (EPS): EPS increased to 0 in 2024 from 0 in 2023 representing a change of -100.0%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2024Q4	2024Q3	Q/Q change %
0000000000
revenue	9617000000	8900000000	8.06
gross profit	7800000000	7127000000	9.44
gross profit ratio	0.81	0.8	1.28
research and development expenses	0	0	NaN
operating expenses	1451000000	2762000000	-47.47
interest income	0	0	NaN
interest expense	176000000	196000000	-10.20
ebitda	6822000000	6215000000	9.77
ebitdaratio	0.71	0.7	1.58
operating income	6349000000	5938000000	6.92
operating income ratio	0.66	0.67	-1.05
net income	5318000000	4872000000	9.15
net income ratio	0.55	0.55	1.02
eps	0	2.37	-100.00

Overall Score of Quarterly Income Statement

0.86 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 9,617 million in 2024Q4 from 8,900 million in 2024Q3 representing a change of 8.06%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 7,800 million in 2024Q4 from 7,127 million in 2024Q3 representing a change of 9.44%. This indicates a sales profitability growth, which is a positive sign for the company.

  Operating Expenses: Operating Expenses decreased to 1,451 million in 2024Q4 from 2,762 million in 2024Q3 representing a change of -47.47%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 6,822 million in 2024Q4 from 6,215 million in 2024Q3 representing a change of 9.77%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Operating Income: Operating income increased to 6,349 million in 2024Q4 from 5,938 million in 2024Q3 representing a change of 6.92%. The increase in operating income indicates better operational performance and increased profitability.

  Net Income: Net income increased to 5,318 million in 2024Q4 from 4,872 million in 2024Q3 representing a change of 9.15%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.

• 📉 Negative Indicators

  Earnings per Share (EPS): EPS increased to 0 in 2024Q4 from 0 in 2024Q3 representing a change of -100.0%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2024	2023	Y/Y change %
0000000000
total assets	94511000000	90499000000	4.43
total liabilities	55374000000	51766000000	6.97
total equity	39137000000	38733000000	1.04
cash and cash equivalents	11975000000	16286000000	-26.47
short term investments	3200000000	3842000000	-16.71
long term investments	2545000000	1921000000	32.48
total current assets	34033000000	33532000000	1.49
total non current assets	60478000000	56967000000	6.16
total current liabilities	26517000000	23098000000	14.80
total non current liabilities	28857000000	28668000000	0.66
common stock	0	20452000000	-100.00
retained earnings	17289000000	18040000000	-4.16
total debt	20836000000	20463000000	1.82

Overall Score of Annual Balance Sheet

0.3 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 94,511 million in 2024 from 90,499 million in 2023 representing a change of 4.43%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 39,137 million in 2024 from 38,733 million in 2023 representing a change of 1.04%. This indicates an increase in shareholders' equity.

  Total Current Assets: Total Current Assets increased to 34,033 million in 2024 from 33,532 million in 2023 representing a change of 1.49%. This indicates a better liquidity position.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 55,374 million in 2024 from 51,766 million in 2023 representing a change of 6.97%. This indicates an increase in overall liabilities.

  Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 11,975 million in 2024 from 16,286 million in 2023 representing a change of -26.47%. This indicates a decrease in available liquid assets.

  Short Term Investments: Short Term Investments decreased to 3,200 million in 2024 from 3,842 million in 2023 representing a change of -16.71%. This indicates a decrease in short-term investment holdings.

  Total Current Liabilities: Total Current Liabilities increased to 26,517 million in 2024 from 23,098 million in 2023 representing a change of 14.8%. This indicates a higher short-term debt burden.

  Common Stock: Common Stock decreased to 0 in 2024 from 20,452 in 2023 representing a change of -100.0%. This indicates a decrease in ownership interest.

  Retained Earnings: Retained Earnings decreased to 17,289 million in 2024 from 18,040 million in 2023 representing a change of -4.16%. This indicates an accumulated losses.

  Total Debt: Total Debt increased to 20,836 million in 2024 from 20,463 million in 2023 representing a change of 1.82%. This indicates an increase in overall debt burden.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2024Q4	2024Q3	Q/Q change %
0000000000
total assets	94511000000	91040000000	3.81
total liabilities	55374000000	51311000000	7.92
total equity	39137000000	39729000000	-1.49
cash and cash equivalents	11975000000	12947000000	-7.51
short term investments	3200000000	3697000000	-13.44
long term investments	2545000000	3037000000	-16.20
total current assets	34033000000	31039000000	9.65
total non current assets	60478000000	60001000000	0.79
total current liabilities	26517000000	22612000000	17.27
total non current liabilities	28857000000	28699000000	0.55
common stock	0	0	NaN
retained earnings	17289000000	18578000000	-6.94
total debt	20836000000	20602000000	1.14

Overall Score of Quarterly Balance Sheet

0.22 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 94,511 million in 2024Q4 from 91,040 million in 2024Q3 representing a change of 3.81%. Suggesting a growth in asset holdings.

  Total Current Assets: Total Current Assets increased to 34,033 million in 2024Q4 from 31,039 million in 2024Q3 representing a change of 9.65%. This indicates a better liquidity position.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 55,374 million in 2024Q4 from 51,311 million in 2024Q3 representing a change of 7.92%. This indicates an increase in overall liabilities.

  Total Equity: Total Equity decreased to 39,137 million in 2024Q4 from 39,729 million in 2024Q3 representing a change of -1.49%. This indicates a decrease in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 11,975 million in 2024Q4 from 12,947 million in 2024Q3 representing a change of -7.51%. This indicates a decrease in available liquid assets.

  Short Term Investments: Short Term Investments decreased to 3,200 million in 2024Q4 from 3,697 million in 2024Q3 representing a change of -13.44%. This indicates a decrease in short-term investment holdings.

  Total Current Liabilities: Total Current Liabilities increased to 26,517 million in 2024Q4 from 22,612 million in 2024Q3 representing a change of 17.27%. This indicates a higher short-term debt burden.

  Retained Earnings: Retained Earnings decreased to 17,289 million in 2024Q4 from 18,578 million in 2024Q3 representing a change of -6.94%. This indicates an accumulated losses.

  Total Debt: Total Debt increased to 20,836 million in 2024Q4 from 20,602 million in 2024Q3 representing a change of 1.14%. This indicates an increase in overall debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024	2023	Y/Y change %
0000000000
net change in cash	-2227000000	1613000000	-238.07
operating cash flow	19950000000	20755000000	-3.88
free cash flow	18693000000	19696000000	-5.09
capital expenditure	-1257000000	-1059000000	-18.70
depreciation and amortization	1034000000	943000000	9.65
deferred income tax	-100000000	-483000000	79.30
stock based compensation	850000000	765000000	11.11
accounts payables	109000000	34000000	220.59
inventory	0	1208000000	-100.00
acquisitions net	-915000000	0	NaN
investments in property plant and equipment	-1257000000	-1059000000	-18.70
net cash used for investing activites	-1926000000	-2006000000	3.99
debt repayment	0	-2250000000	100.00
common stock issued	0	0	NaN
common stock repurchased	-16713000000	-12101000000	-38.11
dividends paid	-4217000000	-3751000000	-12.42
net cash used provided by financing activities	-20633000000	-17772000000	-16.10
cash at end of period	19763000000	21990000000	-10.13
accounts receivables	-2412000000	-250000000	-864.80
cash at beginning of period	21990000000	20377000000	7.92

Overall Score of Annual Cashflow Statement

0.22 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to -2,227 million in 2024 from 1,613 million in 2023 representing a change of -238.07%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow decreased to 19,950 million in 2024 from 20,755 million in 2023 representing a change of -3.88%. This indicates that the company generated less cash from its core business operations.

  Free Cash Flow: Free Cash Flow decreased to 18,693 million in 2024 from 19,696 million in 2023 representing a change of -5.09%. This indicates a decrease in cash generated after accounting for capital expenditures.

  Deferred Income Tax: Deferred Income Tax increased to -100 million in 2024 from -483 million in 2023 representing a change of 79.3%. This indicates that the company's tax liability for future periods has increased.

  Stock-Based Compensation: Stock-Based Compensation increased to 850 million in 2024 from 765 million in 2023 representing a change of 11.11%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.

  Accounts Payables: The absolute value of Accounts Payables increased to 109 million in 2024 from 34 million in 2023 representing a change of 220.59%. This indicates that the company has increased its outstanding obligations to its suppliers.

  Dividends Paid: Dividends Paid decreased to -4,217 million in 2024 from -3,751 million in 2023 representing a change of -12.42%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.

• 📈 Positive Indicators

  Capital Expenditure: Capital Expenditure decreased to -1,257 million in 2024 from -1,059 million in 2023 representing a change of -18.7%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.

  Accounts Receivables: Accounts Receivables decreased to -2,412 million in 2024 from -250 million in 2023 representing a change of -864.8%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024Q4	2024Q3	Q/Q change %
0000000000
operating cash flow	6664000000	5134000000	29.80
free cash flow	6355000000	4734000000	34.24
capital expenditure	-309000000	-400000000	22.75
depreciation and amortization	274000000	264000000	3.79
deferred income tax	-1000000	-31000000	96.77
stock based compensation	188000000	211000000	-10.90
accounts receivables	-2290000000	1179000000	-294.23
accounts payables	136000000	-2000000	6900.00
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	-309000000	-400000000	22.75
net cash used for investing activites	584000000	555000000	5.23
debt repayment	0	0	NaN
common stock issued	0	0	NaN
common stock repurchased	-5848000000	-4527000000	-29.18
dividends paid	-1041000000	-1056000000	1.42
net cash used provided by financing activities	-7069000000	-5311000000	-33.10
net change in cash	487000000	328000000	48.48
cash at end of period	19763000000	19276000000	2.53
cash at beginning of period	19276000000	18948000000	1.73

Overall Score of Quarterly Cashflow Statement

0.67 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Net Change in Cash: Net Change in Cash increased to 487 million in 2024Q4 from 328 million in 2024Q3 representing a change of 48.48%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow increased to 6,664 million in 2024Q4 from 5,134 million in 2024Q3 representing a change of 29.8%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to 6,355 million in 2024Q4 from 4,734 million in 2024Q3 representing a change of 34.24%. This indicates an increase in cash generated after accounting for capital expenditures.

  Stock-Based Compensation: Stock-Based Compensation decreased to 188 million in 2024Q4 from 211 million in 2024Q3 representing a change of -10.9%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.

  Accounts Receivables: Accounts Receivables decreased to -2,290 million in 2024Q4 from 1,179 million in 2024Q3 representing a change of -294.23%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

  Dividends Paid: Dividends Paid increased to -1,041 million in 2024Q4 from -1,056 million in 2024Q3 representing a change of 1.42%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.

• 📉 Negative Indicators

  Capital Expenditure: Capital Expenditure increased to -309 million in 2024Q4 from -400 million in 2024Q3 representing a change of 22.75%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.

  Deferred Income Tax: Deferred Income Tax increased to -1 million in 2024Q4 from -31 million in 2024Q3 representing a change of 96.77%. This indicates that the company's tax liability for future periods has increased.

  Accounts Payables: The absolute value of Accounts Payables increased to 136 million in 2024Q4 from 2 million in 2024Q3 representing a change of 6900.0%. This indicates that the company has increased its outstanding obligations to its suppliers.

Earnings Transcripts ⓘ

We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.

Note: The years mentioned below are fiscal years in accounting.

Q4 2024 Earnings call transcript
Q3 2024 Earnings call transcript
Q2 2024 Earnings call transcript
Q1 2024 Earnings call transcript
Q4 2023 Earnings call transcript
Q3 2023 Earnings call transcript
Q2 2023 Earnings call transcript
Q1 2023 Earnings call transcript

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2024-09-30	2023-09-30	Y/Y change %
FY
calendar year	2024	2023	NaN
revenue per share	22.16	20.18	9.82
net income per share	12.18	10.68	14.09
operating cash flow per share	12.31	12.83	-4.06
free cash flow per share	11.53	12.17	-5.27
cash per share	9.36	12.44	-24.75
book value per share	24.14	23.94	0.86
tangible book value per share	-4.13	-3.32	-24.45
shareholders equity per share	24.14	23.94	0.86
interest debt per share	13.25	13.05	1.56
market cap	445693950000	372156180000	19.76
enterprise value	454554950000	376333180000	20.79
pe ratio	22.57	21.55	4.78
price to sales ratio	12.41	11.4	8.85
pocfratio	22.34	17.93	24.59
pfcf ratio	23.84	18.9	26.19
pb ratio	11.39	9.61	18.52
ptb ratio	11.39	9.61	18.52
ev to sales	12.65	11.53	9.78
enterprise value over ebitda	17.76	16.63	6.78
ev to operating cash flow	22.78	18.13	25.66
ev to free cash flow	24.32	19.11	27.27
earnings yield	0.04	0.05	-4.56
free cash flow yield	0.04	0.05	-20.75
debt to equity	0.53	0.53	0.77
debt to assets	0.22	0.23	-2.50
net debt to ebitda	0.35	0.18	87.54
current ratio	1.28	1.45	-11.59
interest coverage	36.81	32.61	12.88
income quality	1.01	1.2	-15.90
dividend yield	0.01	0.01	-6.13
payout ratio	0.21	0.22	-1.64
sales general and administrative to revenue	0.06	0.06	8.24
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.48	0.49	-0.49
capex to operating cash flow	0.06	0.05	23.49
capex to revenue	0.03	0.03	7.88
capex to depreciation	1.22	1.12	8.25
stock based compensation to revenue	0.02	0.02	0.99
graham number	81.34	75.83	7.27
roic	0.29	0.26	11.98
return on tangible assets	0.41	0.37	8.94
graham net net	-21.55	-17.48	-23.30
working capital	7516000000	10434000000	-27.97
tangible asset value	-6693000000	-5368000000	-24.68
net current asset value	-21341000000	-18234000000	-17.04
invested capital	57170000000	57960000000	-1.36
average receivables	5744500000	4213000000	36.35
average payables	427000000	357500000	19.44
average inventory	0	0	NaN
days sales outstanding	71.27	50.01	42.51
days payables outstanding	24.83	20.84	19.12
days of inventory on hand	0	0	NaN
receivables turnover	5.12	7.3	-29.83
payables turnover	14.7	17.51	-16.05
inventory turnover	0	0	NaN
roe	0.5	0.45	13.12
capex per share	0.78	0.65	18.48

• Positive

  ROE: Return on Equity (ROE) increased to 0.50 on 2024-09-30 from 0.45 on 2023-09-30, representing a change of 13.12%. Suggesting the company has been generating high returns for its shareholders.

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 22.57 on 2024-09-30 from 21.55 on 2023-09-30, representing a change of 4.78%. Indicating an increase in the relative valuation of the company's stock.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.53 on 2024-09-30 from 0.53 on 2023-09-30, representing a change of 0.77%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

• Neutral

  Current Ratio: Current Ratio decreased to 1.28 on 2024-09-30 from 1.45 on 2023-09-30, representing a change of -11.59%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. However, it is still above 1, indicating the ability to cover short-term obligations.

• Quarterly Financial Ratios

	2024-09-30 Q4	2024-06-30 Q3	Q/Q change %
3V64.DE
calendar year	2024	2024	NaN
revenue per share	5.93	5.53	7.32
net income per share	3.28	3.03	8.41
operating cash flow per share	4.11	3.19	28.92
free cash flow per share	3.92	2.94	33.33
cash per share	9.36	10.34	-9.44
book value per share	24.14	24.68	-2.16
tangible book value per share	-4.13	-3.31	-24.72
shareholders equity per share	24.14	24.68	-2.16
interest debt per share	12.96	12.92	0.34
market cap	445693950000	423816400000	5.16
enterprise value	454554950000	431471400000	5.35
pe ratio	20.95	21.75	-3.66
price to sales ratio	46.34	47.62	-2.68
pocfratio	66.88	82.55	-18.98
pfcf ratio	70.13	89.53	-21.66
pb ratio	11.39	10.67	6.75
ptb ratio	11.39	10.67	6.75
ev to sales	47.27	48.48	-2.50
enterprise value over ebitda	66.63	66.91	-0.41
ev to operating cash flow	68.21	84.04	-18.84
ev to free cash flow	71.53	91.14	-21.52
earnings yield	0.01	0.01	3.80
free cash flow yield	0.01	0.01	27.65
debt to equity	0.53	0.52	2.67
debt to assets	0.22	0.23	-2.58
net debt to ebitda	1.3	1.19	9.43
current ratio	1.28	1.37	-6.50
interest coverage	36.07	30.3	19.07
income quality	1.25	1.05	18.92
dividend yield	0.0	0.0	-6.26
payout ratio	0.2	0.22	-9.69
sales general and administrative to revenue	0.06	0.06	6.76
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.48	0.49	-2.02
capex to operating cash flow	0.05	0.08	-40.49
capex to revenue	0.03	0.04	-28.51
capex to depreciation	1.13	1.52	-25.57
stock based compensation to revenue	0	0.02	-100.00
graham number	42.22	40.99	2.99
roic	0.08	0.07	10.39
return on tangible assets	0.11	0.11	3.10
graham net net	-21.55	-19.37	-11.29
working capital	7516000000	8427000000	-10.81
tangible asset value	-6693000000	-5330000000	-25.57
net current asset value	-21341000000	-20272000000	-5.27
invested capital	57170000000	57252000000	-0.14
average receivables	5832000000	5239500000	11.31
average payables	405000000	334500000	21.08
average inventory	0	0	NaN
days sales outstanding	65.65	47.01	39.64
days payables outstanding	23.73	16.8	41.21
days of inventory on hand	0	0	NaN
receivables turnover	1.37	1.91	-28.39
payables turnover	3.79	5.36	-29.18
inventory turnover	0	0	NaN
roe	0.14	0.12	10.81
capex per share	0.19	0.25	-23.27

• ROE:

• Negative

  PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 20.95 on 2024-09-30 Q4 from 21.75 on 2024-06-30 Q3, representing a change of -3.66%. Indicating a decrease in the relative valuation of the company's stock.

• Neutral

  Current Ratio: Current Ratio decreased to 1.28 on 2024-09-30 Q4 from 1.37 on 2024-06-30 Q3, representing a change of -6.50%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. However, it is still above 1, indicating the ability to cover short-term obligations.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 0.53 on 2024-09-30 Q4 from 0.52 on 2024-06-30 Q3, representing a change of 2.67%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. Higher leverage may increase financial risk. However, a ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

None