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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 Sep 22, 2026.

As of Sep 22, 2026, Fair Value Calculator sees Bajaj Finance as the less overvalued of the two: Bajaj Finance trades at ₹1,040 versus a fair value of ₹672 (-35%), while Visa Inc. Class A trades at $368 versus $226 (-39%).
Bajaj Finance
BAJFINANCE.NSE · INR · Financials
-35%
upside to fair value
overvalued
Price₹1,040
Fair Value₹672
Quality48/100
Visa Inc. Class A
V · USD · Financials
-39%
upside to fair value
overvalued
Price$368
Fair Value$226
Quality82/100
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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×
−35.4%Fair value upside−38.7%
0.5%Dividend yield0.7%
₹5.40Dividend per share$2.60
Profitability
60%Operating margin67%
1.14×EBIT margin trend (5Y)0.93×
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%
−18.8%Value creation/yr+16.5%
Balance & size
1.2×Interest coverage (EBIT/interest)40.7×
2.28×Debt / equity0.52×
$70BMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 6 to 9 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 66 Visa Inc. Class Aof which business quality 76 · market factors 68
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)
56
58
52W MomentumDistance to the 52-week high (market factor)
62
71
Net IssuanceShare count: buybacks or dilution?
38
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 familyBajaj FinancePrice ₹1,040Visa Inc. Class APrice $368
DCF Models-23%below the price₹803-36%below the price$236
Earnings-Based+21%above the price₹1,260-27%below the price$269
Dividend Discount-90%below the price₹107n/a
Multiples-69%below the price₹327-74%below the price$94.55
Asset-Based-88%below the price₹123-96%below the price$15.30
Growth DCF-9%close to the price₹948-40%below the price$219
Economic Profit-72%below the price₹291-48%below the price$190
Minimum-90%below the price₹107-96%below the price$15.30
Maximum+21%above the price₹1,260-27%below the price$269
Median-69%below the price₹327-44%below the price$205
Geometric mean-63%below the price₹383-66%below the price$125

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%.

Bajaj Finance: 10 of 13 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.

Bajaj Finance
Price ₹1,040
Fair Value ₹672
Bear ₹208Bull ₹1,474
Visa Inc. Class A
Price $368
Fair Value $226
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.

Bajaj Finance · Financials

Quality score48 · below median
Fair value upside-35% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-39% · below median

Bottom line

As of Sep 22, 2026, Fair Value Calculator sees Bajaj Finance as the less overvalued of the two: Bajaj Finance trades at ₹1,040 versus a fair value of ₹672 (-35%), while Visa Inc. Class A trades at $368 versus $226 (-39%).

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

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

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