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STOCK COMPARISON

Cholamandalam Investment and Finance Company vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Cholamandalam Investment and Finance Company (CHOLAFIN) 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: Cholamandalam Investment and Finance Company trades at ₹1,940 versus a fair value of ₹797 (-59%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Cholamandalam Investment and Finance Company
CHOLAFIN.NSE · INR · Financials
-59%
upside to fair value
overvalued
Price₹1,940
Fair Value₹797
Quality63/100
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).

Cholamandalam Investment and Finance CompanyVisa Inc. Class A
Valuation
29.2×P/E (TTM)30.4×
11.72×P/S (TTM)15.42×
5.07×P/B17.51×
35.5×EV/EBITDA22.0×
—PEG1.53×
0.1%Dividend yield0.8%
₹2.00Dividend per share$2.60
Profitability
40%Net margin52%
55%Operating margin67%
19%Return on equity60%
2%Return on assets19%
Growth
25%Revenue growth (YoY)17%
34.8%Avg. growth/yr (3Y)10.9%
26.9%Avg. growth/yr (5Y)12.9%
Balance & size
3.87×Debt / equity0.52×
$16BMarket cap$664B
healthyGrowth qualityhealthy

Visa Inc. Class A leads: 6 to 7 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.

Cholamandalam Investment and Finance Companyof which business quality 54 · market factors 73 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
35
76
Quality GrowthAre margins and returns improving?
59
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
20
71
InvestmentDisciplined investing over empire-building
33
85
Low VolatilityCalm price path (market factor)
78
83
MomentumPrice trend over the last 3–12 months (market factor)
64
53
52W MomentumDistance to the 52-week high (market factor)
83
72
Net IssuanceBuybacks instead of dilution
75
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.

Cholamandalam Investment and Finance Company

DCF Models₹1,859
Earnings-Based₹1,474
Dividend Discount₹37.92
Multiples₹1,007
Asset-Based₹239
Growth DCF₹2,789
Economic Profit₹605
Growth Earnings₹1,876

17 of 23 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.

Cholamandalam Investment and Finance Company
Bear ₹565Fair Value ₹797Bull ₹3,186
₹1,940 = 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.

Cholamandalam Investment and Finance Company · Financials

Quality score63 · above median
Fair value upside-59% · 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: Cholamandalam Investment and Finance Company trades at ₹1,940 versus a fair value of ₹797 (-59%), 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 →
Cholamandalam Investment and Finance Company · 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.