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STOCK COMPARISON

HDB Financial Services vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how HDB Financial Services (HDBFS) and Visa Inc. Class A (V) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: HDB Financial Services trades at ₹671 versus a fair value of ₹399 (-40%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
HDB Financial Services
HDBFS.NSE · INR · Financials
-40%
upside to fair value
overvalued
Price₹671
Fair Value₹399
Quality36/100
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

HDB Financial ServicesVisa Inc. Class A
Valuation
21.1×P/E (TTM)30.4×
7.08×P/S (TTM)16.60×
3.03×P/B18.84× · book value is mostly goodwill
n/aEV/EBITDA23.7×
n/aPEG1.53×
−40.5%Fair value upside−37.1%
0.6%Dividend yield0.7%
₹4.00Dividend per share$2.60
Profitability
42%Operating margin67%
1.08×EBIT margin trend (5Y)0.93×
14%Return on equity60%
2%Return on assets19%
Growth
21%Revenue growth (YoY)17%
14.0%Avg. growth/yr (3Y)10.9%
n/aAvg. growth/yr (5Y)12.9%
+5.4%Value creation/yr+16.5%
Balance & size
2.7×Interest coverage (EBIT/interest)40.7×
4.46×Debt / equity0.52×
$7BMarket cap$714B
expensiveGrowth qualityhealthy

Visa Inc. Class A leads: 4 to 8 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.

HDB Financial Servicesof which business quality 29 · market factors 49 Visa Inc. Class Aof which business quality 76 · market factors 64
ProfitabilityMargins and returns on capital today
32
76
Quality GrowthAre margins and returns improving?
53
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
3
71
InvestmentDisciplined investing over empire-building
33
85
Low VolatilityCalm price path (market factor)
77
83
MomentumPrice trend over the last 3–12 months (market factor)
37
56
52W MomentumDistance to the 52-week high (market factor)
36
57
Net IssuanceShare count: buybacks or dilution?
81
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 familyHDB Financial ServicesPrice ₹671Visa Inc. Class APrice $362
DCF Models-37%below the price₹419-34%below the price$238
Earnings-Based+10%close to the price₹740-26%below the price$269
Multiples-44%below the price₹374-74%below the price$94.55
Asset-Based-75%below the price₹167-96%below the price$15.30
Growth DCFn/a-38%below the price$224
Economic Profit-60%below the price₹270-47%below the price$190
Minimum-75%below the price₹167-96%below the price$15.30
Maximum+10%close to the price₹740-26%below the price$269
Median-44%below the price₹374-43%below the price$207
Geometric mean-48%below the price₹350-65%below the price$126

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%.

HDB Financial Services: 6 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.

HDB Financial Services
Price ₹671
Fair Value ₹399
Bear ₹217Bull ₹399
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.

HDB Financial Services · Financials

Quality score36 · bottom 25%
Fair value upside-40% · bottom 25%

Visa Inc. Class A · Financials

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

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: HDB Financial Services trades at ₹671 versus a fair value of ₹399 (-40%), 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 →
HDB Financial Services · 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.