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STOCK COMPARISON

Chayo Group Public Company vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Chayo Group Public Company (CHAYO) and Visa Inc. Class A (V) compare, as of Sep 14, 2026.

As of Sep 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Chayo Group Public Company trades at THB 1.26 versus a fair value of THB 0.66 (-48%), while Visa Inc. Class A trades at $370 versus $226 (-39%).
Chayo Group Public Company
CHAYO.BK · THB · Financials
-48%
upside to fair value
overvalued
PriceTHB 1.26
Fair ValueTHB 0.66
Quality38/100
Visa Inc. Class A
V · USD · Financials
-39%
upside to fair value
overvalued
Price$370
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).

Chayo Group Public CompanyVisa Inc. Class A
Valuation
—P/E (TTM)30.4×
0.02×P/S (TTM)15.42×
—P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
−47.6%Fair value upside−39.0%
0.1%Dividend yield0.7%
—Dividend per share$2.60
Profitability
49%Operating margin67%
—EBIT margin trend (5Y)0.93×
-10%Return on equity60%
-2%Return on assets19%
Growth
-15%Revenue growth (YoY)17%
30.0%Avg. growth/yr (3Y)10.9%
35.6%Avg. growth/yr (5Y)12.9%
—Value creation/yr+16.5%
Balance & size
—Interest coverage (EBIT/interest)40.7×
1.22×Debt / equity0.52×
$50MMarket cap$664B
expensiveGrowth qualityhealthy

Visa Inc. Class A leads: 3 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.

Chayo Group Public Companyof which business quality 34 · market factors 40 Visa Inc. Class Aof which business quality 76 · market factors 69
ProfitabilityMargins and returns on capital today
10
76
Quality GrowthAre margins and returns improving?
42
41
CashflowEarnings quality: real cash, not paper profit
4
85
Fin. StrengthBalance sheet, leverage, solvency risk
25
71
InvestmentDisciplined investing over empire-building
88
85
Low VolatilityCalm price path (market factor)
66
83
MomentumPrice trend over the last 3–12 months (market factor)
40
58
52W MomentumDistance to the 52-week high (market factor)
12
72
Net IssuanceShare count: buybacks or dilution?
76
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 familyChayo Group Public CompanyPrice THB 1.26Visa Inc. Class APrice $370
DCF Modelsn/a-36%below the price$236
Earnings-Basedn/a-27%below the price$269
Dividend Discount-48%below the priceTHB 0.66n/a
Multiplesn/a-74%below the price$94.55
Asset-Based+4431%above the priceTHB 57.09-96%below the price$15.30
Growth DCFn/a-41%below the price$219
Economic Profitn/a-49%below the price$190
Minimum-48%below the priceTHB 0.66-96%below the price$15.30
Maximum+4431%above the priceTHB 57.09-27%below the price$269
Median+2192%above the priceTHB 28.88-45%below the price$205
Geometric mean+387%above the priceTHB 6.14-66%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%.

Chayo Group Public Company: 2 of 3 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.

Chayo Group Public Company
Price THB 1.26
Fair Value THB 0.66
Bear THB 0.33Bull THB 0.66
Visa Inc. Class A
Price $370
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.

Chayo Group Public Company · Financials

Quality score38 · bottom 25%
Fair value upside-48% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-39% · bottom 25%

Bottom line

As of Sep 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Chayo Group Public Company trades at THB 1.26 versus a fair value of THB 0.66 (-48%), while Visa Inc. Class A trades at $370 versus $226 (-39%).

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

See the full analysis →
Chayo Group Public Company · 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.