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STOCK COMPARISON

Five-Star Business Finance vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Five-Star Business Finance (FIVESTAR) and Visa Inc. Class A (V) compare, as of Aug 13, 2026.

As of Aug 13, 2026, Fair Value Calculator sees Five-Star Business Finance as the less overvalued of the two: Five-Star Business Finance trades at ₹554 versus a fair value of ₹484 (-13%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Five-Star Business Finance
FIVESTAR.NSE · INR · Financials
-13%
upside to fair value
overvalued
Price₹554
Fair Value₹484
Quality65/100
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).

Five-Star Business FinanceVisa Inc. Class A
Valuation
13.3×P/E (TTM)30.4×
6.46×P/S (TTM)15.42×
1.98×P/B17.51×
13.8×EV/EBITDA22.0×
PEG1.53×
0.4%Dividend yield0.8%
₹2.00Dividend per share$2.60
Profitability
49%Net margin52%
60%Operating margin67%
16%Return on equity60%
7%Return on assets19%
Growth
4%Revenue growth (YoY)17%
30.2%Avg. growth/yr (3Y)10.9%
26.2%Avg. growth/yr (5Y)12.9%
Balance & size
1.11×Debt / equity0.52×
$2BMarket 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.

Five-Star Business Financeof which business quality 63 · market factors 56 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
48
76
Quality GrowthAre margins and returns improving?
58
41
CashflowEarnings quality: real cash, not paper profit
88
85
Fin. StrengthBalance sheet, leverage, solvency risk
61
71
InvestmentDisciplined investing over empire-building
34
85
Low VolatilityCalm price path (market factor)
66
83
MomentumPrice trend over the last 3–12 months (market factor)
58
52
52W MomentumDistance to the 52-week high (market factor)
39
69
Net IssuanceBuybacks instead of dilution
80
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.

Five-Star Business Finance

DCF Models₹941
Earnings-Based₹1,534
Dividend Discount₹35.11
Multiples₹417
Asset-Based₹168
Growth DCF₹800
Economic Profit₹346

7 of 13 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.

Five-Star Business Finance
Bear ₹294Fair Value ₹484Bull ₹788
₹554 = 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.

Five-Star Business Finance · Financials

Quality score65 · Top 25%
Fair value upside-13% · below median

Visa Inc. Class A · Financials

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

Bottom line

As of Aug 13, 2026, Fair Value Calculator sees Five-Star Business Finance as the less overvalued of the two: Five-Star Business Finance trades at ₹554 versus a fair value of ₹484 (-13%), 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 →

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