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STOCK COMPARISON

Radana Bhaskara Finance Tbk vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Radana Bhaskara Finance Tbk (HDFA) and Visa Inc. Class A (V) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Radana Bhaskara Finance Tbk trades at IDR 98 versus a fair value of IDR 50 (-49%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Radana Bhaskara Finance Tbk
HDFA.JK · IDR · Financials
-49%
upside to fair value
overvalued
PriceIDR 98
Fair ValueIDR 50
Quality42/100
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).

Radana Bhaskara Finance TbkVisa Inc. Class A
Valuation
—P/E (TTM)30.4×
—P/S (TTM)15.42×
—P/B17.51×
14.4×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
-140%Net margin52%
7%Operating margin67%
-16%Return on equity60%
-3%Return on assets19%
Growth
46%Revenue growth (YoY)17%
27.8%Avg. growth/yr (3Y)10.9%
30.8%Avg. growth/yr (5Y)12.9%
Balance & size
5.75×Debt / equity0.52×
$57MMarket cap$664B
expensiveGrowth qualityhealthy

Visa Inc. Class A leads: 4 to 5 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.

Radana Bhaskara Finance Tbkof which business quality 40 · market factors 27 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
7
76
Quality GrowthAre margins and returns improving?
72
41
CashflowEarnings quality: real cash, not paper profit
33
85
Fin. StrengthBalance sheet, leverage, solvency risk
15
71
InvestmentDisciplined investing over empire-building
67
85
Low VolatilityCalm price path (market factor)
50
83
MomentumPrice trend over the last 3–12 months (market factor)
18
52
52W MomentumDistance to the 52-week high (market factor)
17
69
Net IssuanceBuybacks instead of dilution
82
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.

Radana Bhaskara Finance Tbk

Asset-BasedIDR 50

1 of 1 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.

Radana Bhaskara Finance Tbk
Bear IDR 33Fair Value IDR 50Bull IDR 50
IDR 98 = 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.

Radana Bhaskara Finance Tbk · Financials

Quality score42 · bottom 25%
Fair value upside-49% · bottom 25%

Visa Inc. Class A · Financials

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

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Radana Bhaskara Finance Tbk trades at IDR 98 versus a fair value of IDR 50 (-49%), 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 →
Radana Bhaskara Finance Tbk · 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.