Criticaly analyse each of the main ratio calculated related to visa company( TABLE BELLOW). This critical analysis should include an explanation of the importance of the ratio. This analysis should include graphs and figures to supplement your written analysis.

Your critical response should have a minimum of two sources published in the last 12 months which should be used to support the content within the postings, proper in-text citations.

Your responses should be professionally written and correctly formatted references should be prepared consistent with the APA. The list of references should be physically positioned at the end of the postings.

PROFITABILITY RATIO	2017	2018	2019
Gross Margin	82.31%	81.29%	81.87%
Operating Margin	66.25%	65.80%	67.03%
Net Profit Margin	34.49%	49.98%	52.57%
LIQUIDITY RATIO
Current Ratio	1.90	1.61	1.56
Cash Ratio	0.99	0.72	0.58
LEVERAGE RATIO
Debt to Equity	1.08	1.04	1.09
OPERATING RETURNS
ROE	20.45%	30.29%	34.83%
ROA	9.51%	14.36%	16.65%