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STOCK COMPARISON

Morabaha Marina Financing vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Morabaha Marina Financing (4082) and Visa Inc. Class A (V) compare, as of Oct 3, 2026.

As of Oct 3, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Morabaha Marina Financing trades at SAR 7.95 versus a fair value of SAR 1.24 (−84.4%), while Visa Inc. Class A trades at $361 versus $221 (−38.6%).
Morabaha Marina Financing
4082.SR · SAR · Financials
−84.4%
upside to fair value
overvalued
PriceSAR 7.95
Fair ValueSAR 1.24
Quality54/100
Visa Inc. Class A
V · USD · Financials
−38.6%
upside to fair value
overvalued
Price$361
Fair Value$221
Quality82/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Morabaha Marina FinancingVisa Inc. Class A
Valuation
n/aP/E (TTM)30.8×
n/aP/E ex one-offs (FY2025)31.4×
n/aMedian P/E at FY-end (10 FY, ex one-offs where documented)32.1×
n/aP/S (TTM)15.64×
n/aP/B18.35× · book value is mostly goodwill
n/aEV/EBITDA22.4×
n/aPEG1.64×
−84.4%Fair value upside−38.6%
4.6%Dividend yield0.7%
n/aDividend per share$2.68
Profitability
-27.1%Operating margin66.1%
n/aEBIT margin trend (5Y)0.93×
-1.4%Return on equity61.2%
-0.8%Return on assets19.1%
Growth
-38.8%Revenue growth (YoY)14.4%
11.4%Avg. growth/yr (3Y)10.9%
14.2%Avg. growth/yr (5Y)12.9%
−25.1%Value creation/yr+16.5%
Balance & size
n/aInterest coverage (EBIT/interest)40.7×
0.18×Debt / equity0.52×
n/aMarket cap$696B
mixedGrowth qualityhealthy
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.
Visa Inc. Class A, median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 32.1.

Visa Inc. Class A leads: 4 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Morabaha Marina Financingof which business quality 55 · market factors 44 Visa Inc. Class Aof which business quality 76 · market factors 62
ProfitabilityMargins and returns on capital today
14
76
Quality GrowthAre margins and returns improving?
71
41
CashflowEarnings quality: real cash, not paper profit
40
85
Fin. StrengthBalance sheet, leverage, solvency risk
62
71
InvestmentDisciplined investing over empire-building
66
85
Low VolatilityCalm price path (market factor)
88
82
MomentumPrice trend over the last 3–12 months (market factor)
34
53
52W MomentumDistance to the 52-week high (market factor)
10
56
Net IssuanceShare count: buybacks or dilution?
100
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyMorabaha Marina FinancingPrice SAR 7.95Visa Inc. Class APrice $361
DCF Models−89.9%below the priceSAR 0.80−35.6%below the price$232
Earnings-Based−93.7%below the priceSAR 0.50−27.4%below the price$262
Dividend Discount−51.1%below the priceSAR 3.89n/a
Multiples−97.4%below the priceSAR 0.21−74.5%below the price$92.08
Asset-Based−2.1%close to the priceSAR 7.78−95.9%below the price$14.90
Growth DCF−85.4%below the priceSAR 1.16−39.6%below the price$218
Economic Profit−21.1%below the priceSAR 6.27−71.0%below the price$105
Minimum−97.4%below the priceSAR 0.21−95.9%below the price$14.90
Maximum−2.1%close to the priceSAR 7.78−27.4%below the price$262
Median−85.4%below the priceSAR 1.16−55.3%below the price$161
Geometric mean−80.9%below the priceSAR 1.52−69.1%below the price$111

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Morabaha Marina Financing: 13 of 13 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Morabaha Marina Financing
Price SAR 7.95
Fair Value SAR 1.24
Bear SAR 0.78Bull SAR 2.07
Visa Inc. Class A
Price $361
Fair Value $221
Bear $115Bull $325

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Morabaha Marina Financing · Financials

Quality score54 · below median
Fair value upside−84.4% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside−38.6% · bottom 25%

Bottom line

As of Oct 3, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Morabaha Marina Financing trades at SAR 7.95 versus a fair value of SAR 1.24 (−84.4%), while Visa Inc. Class A trades at $361 versus $221 (−38.6%).

Visa Inc. Class A has the higher quality score (82/100).

Open Visa Inc. Class A live analysis →
Morabaha Marina Financing · Visa Inc. Class A

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.