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STOCK COMPARISON

Adira Dinamika Multi Finance vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Adira Dinamika Multi Finance (ADMF) and Visa Inc. Class A (V) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Adira Dinamika Multi Finance as the less overvalued of the two: Adira Dinamika Multi Finance trades at IDR 8,725 versus a fair value of IDR 6,827 (-22%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
Adira Dinamika Multi Finance
ADMF.JK · IDR · Financials
-22%
upside to fair value
overvalued
PriceIDR 8,725
Fair ValueIDR 6,827
Quality40/100
Visa Inc. Class A
V · USD · Financials
-37%
upside to fair value
overvalued
Price$362
Fair Value$227
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

Adira Dinamika Multi FinanceVisa Inc. Class A
Valuation
6.5×P/E (TTM)30.4×
1.44×P/S (TTM)16.60×
0.72×P/B18.84× · book value is mostly goodwill
11.7×EV/EBITDA23.7×
n/aPEG1.53×
−21.8%Fair value upside−37.1%
n/aDividend yield0.7%
n/aDividend per share$2.60
Profitability
30%Operating margin67%
2.45×EBIT margin trend (5Y)0.93×
12%Return on equity60%
5%Return on assets19%
Growth
18%Revenue growth (YoY)17%
22.4%Avg. growth/yr (3Y)10.9%
9.3%Avg. growth/yr (5Y)12.9%
+0.6%Value creation/yr+16.5%
Balance & size
1.4×Interest coverage (EBIT/interest)40.7×
1.04×Debt / equity0.52×
$1BMarket cap$714B
expensiveGrowth qualityhealthy

Visa Inc. Class A leads: 6 to 7 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.

Adira Dinamika Multi Financeof which business quality 36 · market factors 67 Visa Inc. Class Aof which business quality 76 · market factors 64
ProfitabilityMargins and returns on capital today
38
76
Quality GrowthAre margins and returns improving?
87
41
CashflowEarnings quality: real cash, not paper profit
31
85
Fin. StrengthBalance sheet, leverage, solvency risk
19
71
InvestmentDisciplined investing over empire-building
50
85
Low VolatilityCalm price path (market factor)
97
83
MomentumPrice trend over the last 3–12 months (market factor)
50
56
52W MomentumDistance to the 52-week high (market factor)
61
57
Net IssuanceShare count: buybacks or dilution?
3
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 familyAdira Dinamika Multi FinancePrice IDR 8,725Visa Inc. Class APrice $362
DCF Models-16%below the priceIDR 7,324-34%below the price$238
Earnings-Based+188%above the priceIDR 25,144-26%below the price$269
Multiples+92%above the priceIDR 16,773-74%below the price$94.55
Asset-Based-6%close to the priceIDR 8,214-96%below the price$15.30
Growth DCF-2%close to the priceIDR 8,559-38%below the price$224
Economic Profit+28%above the priceIDR 11,129-47%below the price$190
Minimum-16%below the priceIDR 7,324-96%below the price$15.30
Maximum+188%above the priceIDR 25,144-26%below the price$269
Median+13%close to the priceIDR 9,844-43%below the price$207
Geometric mean+33%above the priceIDR 11,584-65%below the price$126

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%.

Adira Dinamika Multi Finance: 4 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.

Adira Dinamika Multi Finance
Price IDR 8,725
Fair Value IDR 6,827
Bear IDR 5,095Bull IDR 12,686
Visa Inc. Class A
Price $362
Fair Value $227
Bear $119Bull $536

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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.

Adira Dinamika Multi Finance · Financials

Quality score40 · bottom 25%
Fair value upside-22% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-37% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Adira Dinamika Multi Finance as the less overvalued of the two: Adira Dinamika Multi Finance trades at IDR 8,725 versus a fair value of IDR 6,827 (-22%), while Visa Inc. Class A trades at $362 versus $227 (-37%).

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

Open Adira Dinamika Multi Finance 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.