V:NYE-Visa Inc (USD)

COMMON STOCK | Credit Services | NYE

Last Closing Price

USD 198.79

Change

-10.02 (-4.80)%

Market Cap

USD 440.50B

Volume

0.01B

Average Target Price

USD 223.62 (+12.49%)
Average Analyst Rating

Verdict

STA Verdict

Verdict

About

Visa Inc. operates as a payments technology company worldwide. The company facilitates commerce through the transfer of value and information among consumers, merchants, financial institutions, businesses, strategic partners, and government entities. It operates VisaNet, a processing network that enables authorization, clearing, and settlement of payment transactions. In addition, the company offers card products, as well as value-added services. It provides its services under the Visa, Visa Electron, Interlink, V PAY, and PLUS brands. Visa Inc. has a strategic partnership with NovoPayment to enable financial institutions and merchants to deploy Visa's digital solutions in Latin America and the Caribbean. The company was incorporated in 2007 and is headquartered in San Francisco, California.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-02-24 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
MA Mastercard Incorporated

-15.03 (-4.42%)

USD326.33B 40.89 33.68
AXP American Express Company

-6.71 (-4.97%)

USD103.58B 16.04 9.40
COF Capital One Financial Corporat..

-2.91 (-2.88%)

USD44.86B 8.89 -53.45
COF-PG Capital One Financial Corporat..

-0.18 (-0.70%)

USD43.44B 2.32 -0.00
COF-PH Capital One Financial Corporat..

-0.23 (-0.87%)

USD43.07B 2.40 -0.00
COF-PP Capital One Financial Corporat..

N/A

USD42.93B 2.30 -0.00
COF-PF Capital One Financial Corporat..

-0.09 (-0.35%)

USD42.61B 2.34 -0.00
DFS Discover Financial Services

-2.17 (-2.88%)

USD22.68B 8.06 16.86
IX ORIX Corporation

-2.71 (-3.17%)

USD20.99B 7.72 -18.12
SYF Synchrony Financial

-1.08 (-3.24%)

USD19.78B 5.80 -16.99

ETFs Containing V

Symbol Name Weight Mer Price(Change) Market Cap
IYG iShares U.S. Financial Se.. 10.17 % 0.42 %

-5.40 (-3.51%)

USD1.37B
IPAY ETFMG Prime Mobile Paymen.. 6.20 % 0.75 %

-2.08 (-3.85%)

USD0.71B
BKCH AdvisorShares Sabretooth .. 5.99 % 0.85 %

N/A

USD1.26M
BKCH AdvisorShares Sabretooth .. 5.99 % 0.85 %

N/A

USD1.26M
SEF ProShares Short Financial.. 5.88 % 0.95 %

+0.54 (+2.89%)

USD0.02B
SKF ProShares UltraShort Fina.. 5.88 % 0.95 %

+0.76 (+5.89%)

USD0.03B
FINZ ProShares UltraPro Short .. 5.88 % 0.95 %

+0.41 (+9.90%)

USD1.77M
IYF iShares U.S. Financials E.. 5.86 % 0.42 %

-4.32 (-3.04%)

USD1.81B
UYG ProShares Ultra Financial.. 5.82 % 0.95 %

-3.39 (-5.99%)

USD0.81B
FAZ Direxion Daily Financial .. 5.62 % 1.07 %

+2.22 (+8.95%)

USD0.17B
FAS Direxion Daily Financial .. 5.57 % 1.00 %

-9.17 (-8.81%)

USD1.50B
DIVO Amplify CWP Enhanced Divi.. 5.57 % 0.49 %

-0.72 (-2.34%)

USD0.03B
SHE SPDR SSGA Gender Diversit.. 5.49 % 0.20 %

-2.28 (-2.87%)

USD0.14B
XLK Technology Select Sector .. 5.33 % 0.13 %

-4.11 (-4.13%)

USD27.20B
SPHQ Invesco S&P 500 Quality E.. 5.32 % 0.15 %

-1.23 (-3.29%)

USD1.76B
IVFGC Ivy Focused Growth NextSh.. 4.88 % 0.78 %

N/A

USD0.01B
SPMO Invesco S&P 500 Momentum .. 4.74 % 0.13 %

-1.18 (-2.65%)

USD0.07B
SDOW ProShares UltraPro Short .. 4.73 % 0.95 %

+3.77 (+10.53%)

USD0.27B
DOG ProShares Short Dow30 4.73 % 0.95 %

+1.69 (+3.49%)

USD0.23B
DIA SPDR Dow Jones Industrial.. 4.73 % 0.16 %

-10.18 (-3.51%)

USD22.30B
DXD ProShares UltraShort Dow3.. 4.73 % 0.95 %

+1.51 (+6.97%)

USD0.14B
DDM ProShares Ultra Dow30 4.72 % 0.95 %

-4.02 (-7.00%)

USD0.36B
UDOW ProShares UltraPro Dow30 4.71 % 0.95 %

-13.62 (-10.49%)

USD0.41B
VGT Vanguard Information Tech.. 4.66 % 0.10 %

-10.83 (-4.09%)

USD30.30B
FTEC Fidelity MSCI Information.. 4.65 % 0.08 %

-3.25 (-4.15%)

USD3.44B
VIG Vanguard Dividend Appreci.. 4.62 % 0.06 %

-3.39 (-2.62%)

USD52.12B
KOIN Innovation Shares NextGen.. 4.43 % 0.95 %

-1.10 (-3.64%)

USD8.73M
IXN iShares Global Tech ETF 4.23 % 0.46 %

-9.37 (-4.18%)

USD3.28B
GFIN Goldman Sachs Motif Finan.. 4.20 % 0.50 %

-1.96 (-3.04%)

USD0.01B
JHMF John Hancock Multifactor .. 4.00 % 0.40 %

-1.35 (-3.22%)

USD0.03B
PXLG Invesco S&P 500 GARP .. 3.90 % 0.35 %

N/A

USD0.26B
IGM iShares Expanded Tech Sec.. 3.82 % 0.46 %

-10.59 (-4.04%)

USD1.97B
PFM Invesco Dividend Achiever.. 3.67 % 0.54 %

-0.69 (-2.19%)

USD0.32B
EDOW First Trust Dow 30 Equal .. 3.55 % 0.50 %

-0.82 (-3.12%)

USD0.03B
PWC Invesco Dynamic Market ET.. 3.50 % 0.59 %

-2.83 (-2.78%)

USD0.14B
PWB Invesco Dynamic Large Cap.. 3.45 % 0.55 %

-1.90 (-3.50%)

USD0.71B
PFI Invesco DWA Financial Mom.. 3.35 % 0.60 %

-1.09 (-2.59%)

USD0.06B
HECO Strategy Shares EcoLogica.. 3.14 % 1.07 %

-1.08 (-2.51%)

USD0.05B
MGK Vanguard Mega Cap Growth .. 2.93 % 0.07 %

-5.89 (-3.73%)

USD5.58B
JKE iShares Morningstar Large.. 2.90 % 0.25 %

-8.46 (-3.68%)

USD1.28B
CACG ClearBridge All Cap Growt.. 2.80 % 0.54 %

-1.32 (-3.62%)

USD0.15B
IWY iShares Russell Top 200 G.. 2.75 % 0.20 %

-4.06 (-3.91%)

USD1.84B
EVSTC Eaton Vance Stock NextSha.. 2.75 % 0.65 %

N/A

USD6.63M
IBCE iShares iBonds Mar 2023 T.. 2.64 % 0.10 %

+0.08 (+0.32%)

USD0.03B
QLC FlexShares US Quality Lar.. 2.56 % 0.32 %

-1.29 (-3.43%)

USD0.05B
XLG Invesco S&P 500 Top 50 ET.. 2.47 % 0.20 %

-8.66 (-3.55%)

USD0.95B
VUG Vanguard Growth Index Fun.. 2.45 % 0.04 %

-7.13 (-3.62%)

USD105.91B
USSG Xtrackers MSCI USA ESG Le.. 2.45 % 0.10 %

-0.95 (-3.10%)

USD1.72B
SUSL iShares ESG MSCI USA Lead.. 2.44 % 0.10 %

-1.85 (-3.17%)

USD1.86B
DSI iShares MSCI KLD 400 Soci.. 2.40 % 0.25 %

-4.37 (-3.47%)

USD1.87B
VOOG Vanguard S&P 500 Growth I.. 2.37 % 0.10 %

-6.49 (-3.50%)

USD3.27B
SPYG SPDR Portfolio S&P 500 Gr.. 2.36 % 0.04 %

-1.61 (-3.61%)

USD6.44B
IVW iShares S&P 500 Growth ET.. 2.35 % 0.18 %

-7.35 (-3.57%)

USD25.26B
QUS SPDR MSCI USA StrategicFa.. 2.28 % 0.15 %

-2.82 (-2.87%)

USD0.68B
SCHG Schwab U.S. Large-Cap Gro.. 2.27 % 0.04 %

-3.74 (-3.73%)

USD9.56B
IUSG iShares Core S&P U.S. Gro.. 2.21 % 0.04 %

-2.57 (-3.58%)

USD8.08B
VONG Vanguard Russell 1000 Gro.. 2.19 % 0.08 %

-7.24 (-3.74%)

USD6.70B
FBGX UBS AG FI Enhanced Large .. 2.19 % 0.85 %

-25.53 (-6.75%)

USD1.47B
FLGE Credit Suisse FI Large Ca.. 2.19 % 0.85 %

-25.05 (-6.64%)

USD2.00B
IWF iShares Russell 1000 Grow.. 2.18 % 0.19 %

-6.81 (-3.62%)

USD50.24B
NACP Impact Shares NAACP Minor.. 2.18 % 0.75 %

-0.81 (-3.28%)

USD3.51M
FTCS First Trust Capital Stren.. 2.13 % 0.60 %

-1.71 (-2.73%)

USD3.51B
JMOM JPMorgan U.S. Momentum Fa.. 2.09 % 0.12 %

-0.88 (-2.72%)

USD0.06B
DYNF BlackRock U.S. Equity Fac.. 2.08 % 0.30 %

-0.80 (-2.72%)

USD0.07B
JQUA JPMorgan U.S. Quality Fac.. 2.03 % 0.12 %

-0.98 (-3.01%)

USD0.14B
HUSE Strategy Shares US Market.. 2.00 % 1.20 %

-0.67 (-1.96%)

USD0.02B
OEF iShares S&P 100 ETF 1.98 % 0.20 %

-5.26 (-3.51%)

USD5.65B
FDLO Fidelity Low Volatility F.. 1.92 % 0.29 %

-1.06 (-2.63%)

USD0.41B
MMTM SPDR S&P 1500 Momentum Ti.. 1.90 % 0.12 %

-4.82 (-3.35%)

USD0.06B
DSTL Distillate U.S. Fundament.. 1.90 % 0.39 %

-0.98 (-3.12%)

USD0.07B
FDMO Fidelity Momentum Factor .. 1.83 % 0.29 %

-1.18 (-3.04%)

USD0.10B
SNPE Xtrackers S&P 500 ESG ETF 1.73 % 0.11 %

-1.01 (-3.48%)

USD0.11B
FVAL Fidelity Value Factor ETF 1.72 % 0.29 %

-1.44 (-3.74%)

USD0.20B
FQAL Fidelity Quality Factor E.. 1.70 % 0.29 %

-1.22 (-3.12%)

USD0.16B
JUST Goldman Sachs JUST U.S. L.. 1.63 % 0.20 %

-1.61 (-3.34%)

USD0.13B
RWCD Direxion MSCI Cyclicals O.. 1.60 % 0.45 %

-4.10 (-5.61%)

USD0.02B
PLC Principal U.S. Large-Cap .. 1.59 % 0.15 %

N/A

USD6.65M
PRID InsightShares LGBT Employ.. 1.58 % 0.65 %

N/A

USD2.80M
FLLV Franklin Liberty U.S. Low.. 1.58 % 0.29 %

-0.97 (-2.42%)

USD0.08B
IWL iShares Russell Top 200 E.. 1.56 % 0.15 %

-2.66 (-3.40%)

USD0.41B
SPXN ProShares S&P 500 ex-Fina.. 1.51 % 0.27 %

-2.29 (-3.32%)

USD2.34M
MGC Vanguard Mega Cap Index F.. 1.47 % 0.07 %

-3.99 (-3.42%)

USD2.51B
SPXV ProShares S&P 500 ex-Heal.. 1.47 % 0.27 %

-2.29 (-3.27%)

USD1.69M
BSCP Invesco BulletShares 2025.. 1.46 % 0.10 %

-0.02 (-0.09%)

USD0.44B
QWLD SPDR MSCI World Strategic.. 1.42 % 0.30 %

-2.76 (-3.14%)

USD0.03B
SFY SoFi Select 500 ETF 1.34 % 0.00 %

-0.42 (-3.57%)

USD0.08B
SPXE ProShares S&P 500 ex-Ener.. 1.33 % 0.27 %

-2.31 (-3.23%)

USD0.01B
PBP Invesco S&P 500 BuyWrite .. 1.31 % 0.49 %

-0.52 (-2.36%)

USD0.26B
SPYX SPDR S&P 500 Fossil Fuel .. 1.31 % 0.20 %

-2.65 (-3.23%)

USD0.48B
CATH Global X S&P 500 Catholic.. 1.29 % 0.29 %

-1.28 (-3.12%)

USD0.30B
HSPX Global X S&P 500 Covered .. 1.29 % 0.65 %

-1.61 (-3.11%)

USD0.16B
VQT Barclays ETN+ S&P VEQTOR .. 1.28 % 0.95 %

-1.38 (-0.81%)

USD0.01B
ESGU iShares ESG MSCI USA ETF 1.28 % 0.15 %

-2.40 (-3.22%)

USD3.37B
SPLG SPDR Portfolio S&P 500 ET.. 1.27 % 0.03 %

-1.32 (-3.36%)

USD3.61B
DMRL DeltaShares S&P 500 Manag.. 1.27 % 0.35 %

-2.60 (-4.09%)

USD0.42B
SH ProShares Short S&P500 1.27 % 0.89 %

+0.80 (+3.45%)

USD1.92B
SPY SPDR S&P 500 ETF Trust 1.27 % 0.10 %

-11.06 (-3.32%)

USD307.85B
SDS ProShares UltraShort S&P5.. 1.27 % 0.89 %

+1.57 (+6.78%)

USD1.14B
IVV iShares Core S&P 500 ETF 1.27 % 0.04 %

-11.18 (-3.34%)

USD203.36B
SPXS Direxion Daily S&P 500 Be.. 1.27 % 1.08 %

+1.19 (+10.02%)

USD0.54B
SPXU ProShares UltraPro Short .. 1.27 % 0.91 %

+1.79 (+9.97%)

USD0.67B
VOO Vanguard S&P 500 ETF 1.27 % 0.03 %

-10.25 (-3.34%)

USD538.16B
SSO ProShares Ultra S&P500 1.25 % 0.90 %

-10.91 (-6.78%)

USD2.85B
VV Vanguard Large-Cap Index .. 1.24 % 0.04 %

-5.21 (-3.38%)

USD25.82B
UPRO ProShares UltraPro S&P500 1.23 % 0.92 %

-7.69 (-10.00%)

USD1.47B
SCHX Schwab U.S. Large-Cap ETF 1.17 % 0.03 %

-2.64 (-3.30%)

USD19.96B
NTSX WisdomTree 90/60 U.S. Bal.. 1.15 % 0.20 %

-0.81 (-2.59%)

USD0.04B
SPTM SPDR Portfolio S&P 1500 C.. 1.15 % 0.03 %

-1.33 (-3.23%)

USD4.28B
IWB iShares Russell 1000 ETF 1.14 % 0.15 %

-6.09 (-3.29%)

USD22.28B
VONE Vanguard Russell 1000 Ind.. 1.14 % 0.08 %

-5.08 (-3.31%)

USD3.99B
SCHK Schwab 1000 ETF 1.13 % 0.05 %

-1.09 (-3.32%)

USD0.97B
IBDQ iShares iBonds Dec 2025 T.. 1.13 % 0.10 %

+0.03 (+0.11%)

USD0.63B
IYY iShares Dow Jones U.S. ET.. 1.11 % 0.20 %

-5.34 (-3.22%)

USD1.27B
KLCD KFA Large Cap Quality Div.. 1.09 % 0.41 %

-0.65 (-2.32%)

USD0.05B
DEF Invesco Defensive Equity .. 1.08 % 0.55 %

-1.40 (-2.40%)

USD0.29B
LSAF LeaderSharesTM AlphaFacto.. 1.08 % 0.75 %

-0.89 (-3.28%)

USD0.08B
IWV iShares Russell 3000 ETF 1.07 % 0.20 %

-6.51 (-3.33%)

USD10.13B
ITOT iShares Core S&P Total U... 1.07 % 0.03 %

-2.46 (-3.27%)

USD25.02B
VTHR Vanguard Russell 3000 Ind.. 1.06 % 0.10 %

-4.69 (-3.09%)

USD1.52B
CHGX Change Finance U.S. Large.. 1.06 % 0.49 %

-0.66 (-2.71%)

USD0.01B
SCHB Schwab U.S. Broad Market .. 1.06 % 0.03 %

-2.61 (-3.27%)

USD16.20B
VTI Vanguard Total Stock Mark.. 1.04 % 0.03 %

-5.59 (-3.29%)

USD901.90B
PHDG Invesco S&P 500 Downside .. 0.99 % 0.39 %

-0.38 (-1.32%)

USD0.02B
BSCK Invesco BulletShares 2020.. 0.89 % 0.10 %

-0.03 (-0.14%)

USD1.76B
SPGM SPDR Portfolio MSCI Globa.. 0.84 % 0.09 %

-1.40 (-3.23%)

N/A
TOK iShares MSCI Kokusai ETF 0.84 % 0.25 %

-2.54 (-3.38%)

USD0.17B
ACIM SPDR MSCI ACWI IMI ETF 0.78 % 0.09 %

N/A

USD0.16B
JHML John Hancock Multifactor .. 0.77 % 0.34 %

-1.34 (-3.15%)

USD0.92B
LOWC SPDR MSCI ACWI Low Carbon.. 0.75 % 0.20 %

-3.43 (-3.40%)

USD0.09B
URTH iShares MSCI World ETF 0.75 % 0.24 %

-3.50 (-3.47%)

USD0.94B
CRBN iShares MSCI ACWI Low Car.. 0.71 % 0.20 %

-4.31 (-3.28%)

USD0.51B
ERM EquityCompass Risk Manage.. 0.70 % 0.65 %

-0.69 (-3.11%)

USD0.02B
IBDL iShares iBonds Dec 2020 T.. 0.68 % 0.10 %

+0.01 (+0.02%)

USD1.27B
ACWI iShares MSCI ACWI ETF 0.67 % 0.32 %

-2.76 (-3.43%)

USD10.39B
PQLC PGIM QMA Strategic Alpha .. 0.39 % 0.17 %

-1.65 (-2.88%)

USD0.01B
HDG ProShares Hedge Replicati.. 0.17 % 0.95 %

-0.64 (-1.36%)

USD0.03B
PBI Pitney Bowes Inc 0.00 % 0.00 %

-0.19 (-4.96%)

USD0.62B
QUU:CA Mackenzie US Large Cap Eq.. 0.00 % 0.09 %

-2.61 (-2.06%)

USD0.66B
XSUS:CA iShares ESG MSCI USA Inde.. 0.00 % 0.00 %

-0.53 (-2.23%)

USD0.01B
TEC:CA TD Global Technology Lead.. 0.00 % 0.00 %

-0.58 (-3.17%)

USD0.04B

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 5.80% 90% A- 85% B
Dividend Return 0.16% 18% F 4% F
Total Return 5.96% 90% A- 85% B
Trailing 12 Months  
Capital Gain 36.28% 87% B+ 92% A-
Dividend Return 0.75% 16% F 11% F
Total Return 37.03% 87% B+ 92% A-
Trailing 5 Years  
Capital Gain 191.83% 95% A 96% A
Dividend Return 5.70% 31% F 20% F
Total Return 197.54% 95% A 96% A
Average Annual (5 Year Horizon)  
Capital Gain 25.68% 83% B 94% A
Dividend Return 0.78% 30% F 18% F
Total Return 26.46% 83% B 93% A
Risk Return Profile  
Volatility (Standard Deviation) 12.47% 97% A+ 63% D
Risk Adjusted Return 212.18% 100% A+ 99% A+
Market Capitalization 440.50B 100% A+ 100% A+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 36.30 8% F 16% F
Price/Book Ratio 14.34 8% F 6% F
Price / Cash Flow Ratio 34.46 9% F 8% F
EV/EBITDA 28.57 8% F 12% F
Management Effectiveness  
Return on Equity 35.68% 95% A 94% A
Return on Invested Capital 27.73% 92% A- 96% A
Return on Assets 13.43% 90% A- 97% A+
Debt to Equity Ratio 57.25% 82% B- 57% F
Technical Ratios  
Short Ratio 2.94 66% D 43% F
Short Percent 1.48% 76% C 83% B
Beta 0.91 84% B 53% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

STA Verdict Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector