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STOCK COMPARISON

Margo Finance vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Margo Finance (500206) 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: Margo Finance trades at ₹63.06 versus a fair value of ₹30.48 (−51.7%), while Visa Inc. Class A trades at $361 versus $221 (−38.6%).
Margo Finance
500206.BSE · INR · Financials
−51.7%
upside to fair value
overvalued
Price₹63.06
Fair Value₹30.48
Quality62/100
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

Margo FinanceVisa Inc. Class A
Valuation
111.6×P/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×
−51.7%Fair value upside−38.6%
n/aDividend yield0.7%
n/aDividend per share$2.68
Profitability
0.0%Operating margin66.1%
2.24×EBIT margin trend (5Y)0.93×
23.7%Return on equity61.2%
0.0%Return on assets19.1%
Growth
0.0%Revenue growth (YoY)14.4%
49.0%Avg. growth/yr (3Y)10.9%
32.0%Avg. growth/yr (5Y)12.9%
+43.8%Value creation/yr+16.5%
Balance & size
n/aInterest coverage (EBIT/interest)40.7×
n/aDebt / equity0.52×
$4MMarket 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.

Margo Financeof which business quality 58 · market factors 25 Visa Inc. Class Aof which business quality 76 · market factors 62
ProfitabilityMargins and returns on capital today
29
76
Quality GrowthAre margins and returns improving?
57
41
CashflowEarnings quality: real cash, not paper profit
67
85
Fin. StrengthBalance sheet, leverage, solvency risk
75
71
InvestmentDisciplined investing over empire-building
33
85
Low VolatilityCalm price path (market factor)
17
82
MomentumPrice trend over the last 3–12 months (market factor)
35
53
52W MomentumDistance to the 52-week high (market factor)
16
56
Net IssuanceShare count: buybacks or dilution?
82
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 familyMargo FinancePrice ₹63.06Visa Inc. Class APrice $361
DCF Models−40.6%below the price₹37.47−35.6%below the price$232
Earnings-Based+13.9%close to the price₹71.82−27.4%below the price$262
Multiples−58.6%below the price₹26.14−74.5%below the price$92.08
Asset-Based+115.5%above the price₹136−95.9%below the price$14.90
Growth DCF−72.9%below the price₹17.07−39.6%below the price$218
Economic Profit+97.6%above the price₹125−71.0%below the price$105
Minimum−72.9%below the price₹17.07−95.9%below the price$14.90
Maximum+115.5%above the price₹136−27.4%below the price$262
Median−13.3%close to the price₹54.64−55.3%below the price$161
Geometric mean−17.2%below the price₹52.24−69.1%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%.

Margo Finance: 8 of 11 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.

Margo Finance
Price ₹63.06
Fair Value ₹30.48
Bear ₹17.23Bull ₹38.10
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.

Margo Finance · Financials

Quality score62 · above median
Fair value upside−51.7% · 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: Margo Finance trades at ₹63.06 versus a fair value of ₹30.48 (−51.7%), 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 →

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