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STOCK COMPARISON

FSA Group vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how FSA Group (FSA) and Visa Inc. Class A (V) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: FSA Group trades at A$1.26 versus a fair value of A$0.70 (-44%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
FSA Group
FSA.AU · AUD · Financials
-44%
upside to fair value
overvalued
PriceA$1.26
Fair ValueA$0.70
Quality50/100
Visa Inc. Class A
V · USD · Financials
-37%
upside to fair value
overvalued
Price$362
Fair Value$227
Quality82/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

FSA GroupVisa Inc. Class A
Valuation
12.6×P/E (TTM)30.4×
n/aP/E ex one-offs (FY2025)31.5×
1.86×P/S (TTM)16.60×
1.23×P/B18.84× · book value is mostly goodwill
12.6×EV/EBITDA23.7×
n/aPEG1.53×
−44.4%Fair value upside−37.1%
5.6%Dividend yield0.7%
A$0.07Dividend per share$2.68
Profitability
35%Operating margin67%
179.82×EBIT margin trend (5Y)0.93×
18%Return on equity60%
2%Return on assets19%
Growth
23%Revenue growth (YoY)17%
-86.1%Avg. growth/yr (3Y)10.9%
-70.3%Avg. growth/yr (5Y)12.9%
−2.3%Value creation/yr+16.5%
Balance & size
0.3×Interest coverage (EBIT/interest)40.7×
9.84×Debt / equity0.52×
$107MMarket cap$714B
weakGrowth qualityhealthy
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.

Visa Inc. Class A leads: 5 to 9 metric wins.

n/a = 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.

FSA Groupof which business quality 48 · market factors 59 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?
30
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
1
71
InvestmentDisciplined investing over empire-building
38
85
Low VolatilityCalm price path (market factor)
77
82
MomentumPrice trend over the last 3–12 months (market factor)
47
59
52W MomentumDistance to the 52-week high (market factor)
58
63
Net IssuanceShare count: buybacks or dilution?
87
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 familyFSA GroupPrice A$1.26Visa Inc. Class APrice $362
DCF Modelsn/a-36%below the price$232
Earnings-Based-44%below the priceA$0.70-28%below the price$262
Dividend Discount-55%below the priceA$0.57n/a
Multiples-18%below the priceA$1.04-75%below the price$92.08
Asset-Based-63%below the priceA$0.47-96%below the price$14.90
Growth DCFn/a-40%below the price$218
Economic Profit-48%below the priceA$0.65-49%below the price$185
Minimum-63%below the priceA$0.47-96%below the price$14.90
Maximum-18%below the priceA$1.04-28%below the price$262
Median-48%below the priceA$0.65-44%below the price$202
Geometric mean-48%below the priceA$0.66-66%below the price$122

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%.

FSA Group: 7 of 7 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.

FSA Group
Price A$1.26
Fair Value A$0.70
Bear A$0.62Bull A$0.93
Visa Inc. Class A
Price $362
Fair Value $227
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.

FSA Group · Financials

Quality score50 · below median
Fair value upside-44% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-37% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: FSA Group trades at A$1.26 versus a fair value of A$0.70 (-44%), while Visa Inc. Class A trades at $362 versus $227 (-37%).

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

Open Visa Inc. Class A live analysis →
FSA Group · 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.