United Credit vs Visa Inc. Class A: Fair Value & Quality
Both stocks run through our valuation models. Here is how United Credit (531091) and Visa Inc. Class A (V) compare, as of Aug 28, 2026.
As of Aug 28, 2026, Fair Value Calculator sees United Credit as the less overvalued of the two: United Credit trades at ₹25.00 versus a fair value of ₹20.90 (-16%), while Visa Inc. Class A trades at $380 versus $198 (-48%).
United Credit
531091.BSE · INR · Financials
-16%
upside to fair value
overvalued
Price₹25.00
Fair Value₹20.90
Quality47/100
Visa Inc. Class A
V · USD · Financials
-48%
upside to fair value
overvalued
Price$380
Fair Value$198
Quality82/100
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Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
United CreditVisa Inc. Class A
Valuation
5.2×P/E (TTM)30.4×
2.00×P/S (TTM)15.42×
0.19×P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
0.8%Dividend yield0.7%
—Dividend per share$2.60
Profitability
32%Net margin52%
44%Operating margin67%
—Return on equity60%
0%Return on assets19%
Growth
9%Revenue growth (YoY)17%
1.7%Avg. growth/yr (3Y)10.9%
2.3%Avg. growth/yr (5Y)12.9%
Balance & size
0.01×Debt / equity0.52×
$1MMarket cap$664B
expensiveGrowth qualityhealthy
Visa Inc. Class A leads: 5 to 6 metric wins.
Dash = 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.
United Creditof which business quality 41 · market factors 34Visa Inc. Class Aof which business quality 76 · market factors 69
ProfitabilityMargins and returns on capital today
34
76
Quality GrowthAre margins and returns improving?
22
41
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
75
85
Low VolatilityCalm price path (market factor)
50
83
MomentumPrice trend over the last 3–12 months (market factor)
28
58
52W MomentumDistance to the 52-week high (market factor)
27
72
Net IssuanceBuybacks instead of dilution
82
100
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
United Credit
DCF Models₹13.30
Earnings-Based₹21.45
Multiples₹24.12
Asset-Based₹38.80
Economic Profit₹34.61
3 of 6 models see the stock below the current price.
Visa Inc. Class A
DCF Models$236
Earnings-Based$269
Multiples$94.55
Asset-Based$15.30
Growth DCF$219
Economic Profit$190
10 of 11 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
United Credit
Bear ₹15.68Fair Value ₹20.90Bull ₹26.13
₹25.00 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$380 = current price (white tick)
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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.
United Credit · Financials
Quality score47 · below median
Fair value upside-16% · below median
Visa Inc. Class A · Financials
Quality score82 · Top 25%
Fair value upside-48% · bottom 25%
Bottom line
As of Aug 28, 2026, Fair Value Calculator sees United Credit as the less overvalued of the two: United Credit trades at ₹25.00 versus a fair value of ₹20.90 (-16%), while Visa Inc. Class A trades at $380 versus $198 (-48%).
Visa Inc. Class A has the higher quality score (82/100).
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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.
