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STOCK COMPARISON

Arman Financial Services vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Arman Financial Services (ARMANFIN) and Visa Inc. Class A (V) compare, as of Aug 13, 2026.

As of Aug 13, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Arman Financial Services trades at ₹2,011 versus a fair value of ₹700 (-65%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Arman Financial Services
ARMANFIN.NSE · INR · Financials
-65%
upside to fair value
overvalued
Price₹2,011
Fair Value₹700
Quality33/100
Visa Inc. Class A
V · USD · Financials
-44%
upside to fair value
overvalued
Price$363
Fair Value$204
Quality82/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Arman Financial ServicesVisa Inc. Class A
Valuation
31.2×P/E (TTM)30.4×
6.00×P/S (TTM)15.42×
1.88×P/B17.51×
18.1×EV/EBITDA22.0×
PEG1.53×
Dividend yield0.8%
Dividend per share$2.60
Profitability
19%Net margin52%
40%Operating margin67%
6%Return on equity60%
2%Return on assets19%
Growth
37%Revenue growth (YoY)17%
16.2%Avg. growth/yr (3Y)10.9%
26.5%Avg. growth/yr (5Y)12.9%
Balance & size
1.90×Debt / equity0.52×
$184MMarket cap$664B
expensiveGrowth qualityhealthy

Even match: 6 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.

Arman Financial Servicesof which business quality 30 · market factors 70 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
26
76
Quality GrowthAre margins and returns improving?
37
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
38
71
InvestmentDisciplined investing over empire-building
48
85
Low VolatilityCalm price path (market factor)
71
83
MomentumPrice trend over the last 3–12 months (market factor)
63
52
52W MomentumDistance to the 52-week high (market factor)
81
69
Net IssuanceBuybacks instead of dilution
49
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.

Arman Financial Services

DCF Models₹269
Earnings-Based₹2,126
Multiples₹808
Asset-Based₹595
Economic Profit₹724

6 of 7 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.

Arman Financial Services
Bear ₹525Fair Value ₹700Bull ₹875
₹2,011 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$363 = 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.

Arman Financial Services · Financials

Quality score33 · bottom 25%
Fair value upside-65% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-44% · bottom 25%

Bottom line

As of Aug 13, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Arman Financial Services trades at ₹2,011 versus a fair value of ₹700 (-65%), while Visa Inc. Class A trades at $363 versus $204 (-44%).

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

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.