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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Buana Finance Tbk (BBLD) and Visa Inc. Class A (V) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Buana Finance Tbk trades at IDR 605 versus a fair value of IDR 106 (-82%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Buana Finance Tbk
BBLD.JK · IDR · Financials
-82%
upside to fair value
overvalued
PriceIDR 605
Fair ValueIDR 106
Quality39/100
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).

Buana Finance TbkVisa Inc. Class A
Valuation
97.0×P/E (TTM)30.4×
2.19×P/S (TTM)15.42×
0.64×P/B17.51×
14.5×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
1%Net margin52%
10%Operating margin67%
0%Return on equity60%
0%Return on assets19%
Growth
-8%Revenue growth (YoY)17%
19.3%Avg. growth/yr (3Y)10.9%
6.9%Avg. growth/yr (5Y)12.9%
Balance & size
4.01×Debt / equity0.52×
$90MMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 4 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.

Buana Finance Tbkof which business quality 34 · market factors 27 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
16
76
Quality GrowthAre margins and returns improving?
74
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
7
71
InvestmentDisciplined investing over empire-building
70
85
Low VolatilityCalm price path (market factor)
65
83
MomentumPrice trend over the last 3–12 months (market factor)
13
52
52W MomentumDistance to the 52-week high (market factor)
6
69
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.

Buana Finance Tbk

Earnings-BasedIDR 123
MultiplesIDR 123
Asset-BasedIDR 573
Economic ProfitIDR 552

6 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.

Buana Finance Tbk
Bear IDR 80Fair Value IDR 106Bull IDR 133
IDR 605 = 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.

Buana Finance Tbk · Financials

Quality score39 · bottom 25%
Fair value upside-82% · bottom 25%

Visa Inc. Class A · Financials

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

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Buana Finance Tbk trades at IDR 605 versus a fair value of IDR 106 (-82%), 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 →
Buana Finance Tbk · 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.