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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Bajaj Finance (BAJFINANCE) and Visa Inc. Class A (V) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Bajaj Finance trades at ₹1,145 versus a fair value of ₹398 (-65%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Bajaj Finance
BAJFINANCE.NSE · INR · Financials
-65%
upside to fair value
overvalued
Price₹1,145
Fair Value₹398
Quality58/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$370
Fair Value$204
Quality79/100

Head-to-head numbers

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

Bajaj FinanceVisa Inc. Class A
Valuation
34.6×P/E (TTM)30.4×
14.95×P/S (TTM)15.42×
5.76×P/B17.51×
33.6×EV/EBITDA22.0×
—PEG1.53×
0.5%Dividend yield0.8%
₹5.40Dividend per share$2.60
Profitability
43%Net margin52%
60%Operating margin67%
18%Return on equity60%
4%Return on assets19%
Growth
28%Revenue growth (YoY)17%
27.5%Avg. growth/yr (3Y)10.9%
26.4%Avg. growth/yr (5Y)12.9%
Balance & size
2.28×Debt / equity0.52×
$69BMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 5 to 8 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.

Bajaj Financeof which business quality 46 · market factors 72 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
42
76
Quality GrowthAre margins and returns improving?
45
41
CashflowEarnings quality: real cash, not paper profit
98
85
Fin. StrengthBalance sheet, leverage, solvency risk
10
71
InvestmentDisciplined investing over empire-building
33
85
Low VolatilityCalm price path (market factor)
83
83
MomentumPrice trend over the last 3–12 months (market factor)
62
53
52W MomentumDistance to the 52-week high (market factor)
78
72
Net IssuanceBuybacks instead of dilution
38
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.

Bajaj Finance

DCF Models₹845
Earnings-Based₹1,070
Dividend Discount₹107
Multiples₹520
Asset-Based₹123
Growth DCF₹992
Economic Profit₹224
Growth Earnings₹1,379

20 of 25 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 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.

Bajaj Finance
Bear ₹265Fair Value ₹398Bull ₹1,590
₹1,145 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$370 = 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.

Bajaj Finance · Financials

Quality score58 · above median
Fair value upside-65% · bottom 25%

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Bajaj Finance trades at ₹1,145 versus a fair value of ₹398 (-65%), while Visa Inc. Class A trades at $370 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
Bajaj Finance · Visa Inc. Class A

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