EN DE
STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Capital India Finance (CIFL) and Visa Inc. Class A (V) compare, as of Aug 17, 2026.

As of Aug 17, 2026, Fair Value Calculator sees Capital India Finance as the less overvalued of the two: Capital India Finance trades at ₹21.17 versus a fair value of ₹12.53 (-41%), while Visa Inc. Class A trades at $364 versus $198 (-46%).
Capital India Finance
CIFL.NSE · INR · Financial Services
-41%
upside to fair value
overvalued
Price₹21.17
Fair Value₹12.53
Quality46/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$364
Fair Value$198
Quality82/100

Head-to-head numbers

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

Capital India FinanceVisa Inc. Class A
Valuation
21.2×P/E (TTM)30.4×
1.70×P/S (TTM)15.42×
1.33×P/B17.51×
33.2×EV/EBITDA22.0×
—PEG1.53×
0.1%Dividend yield0.8%
—Dividend per share$2.60
Profitability
7%Net margin52%
14%Operating margin67%
5%Return on equity60%
0%Return on assets19%
Growth
-7%Revenue growth (YoY)17%
-5.4%Avg. growth/yr (3Y)10.9%
—Avg. growth/yr (5Y)12.9%
Balance & size
1.38×Debt / equity0.52×
$94MMarket cap$664B
weakGrowth qualityhealthy

Visa Inc. Class A leads: 3 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.

Capital India Financeof which business quality 41 · market factors 25 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
25
76
Quality GrowthAre margins and returns improving?
62
41
CashflowEarnings quality: real cash, not paper profit
1
85
Fin. StrengthBalance sheet, leverage, solvency risk
36
71
InvestmentDisciplined investing over empire-building
92
85
Low VolatilityCalm price path (market factor)
72
83
MomentumPrice trend over the last 3–12 months (market factor)
7
54
52W MomentumDistance to the 52-week high (market factor)
2
70
Net IssuanceBuybacks instead of dilution
72
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.

Capital India Finance

DCF Models₹5.25
Earnings-Based₹8.27
Dividend Discount₹0.21
Multiples₹14.92
Asset-Based₹11.53
Economic Profit₹13.34

8 of 8 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.

Capital India Finance
Bear ₹9.70Fair Value ₹12.53Bull ₹12.53
₹21.17 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$364 = current price (white tick)

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Capital India Finance · Financial Services

Quality score46 · below median
Fair value upside-41% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-46% · bottom 25%

Bottom line

As of Aug 17, 2026, Fair Value Calculator sees Capital India Finance as the less overvalued of the two: Capital India Finance trades at ₹21.17 versus a fair value of ₹12.53 (-41%), while Visa Inc. Class A trades at $364 versus $198 (-46%).

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

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

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to Capital India Finance

Alphabet Inc Class C vs Verizon CommunicationsAlphabet Inc Class C vs At&tAlphabet Inc Class C vs NetEaseAmazon.com vs Toyota Motor Corporation

Related to Visa Inc. Class A

Amazon.com vs PDD HoldingsAmazon.com vs Sony GroupMeta Platforms vs Verizon CommunicationsMeta Platforms vs At&t
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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