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STOCK COMPARISON

Harmoney Corp vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Harmoney Corp (HMY) and Visa Inc. Class A (V) compare, as of Aug 11, 2026.

As of Aug 11, 2026, Fair Value Calculator sees Harmoney Corp as the less overvalued of the two: Harmoney Corp trades at A$0.75 versus a fair value of A$0.58 (-23%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Harmoney Corp
HMY.AU · AUD · Financials
-23%
upside to fair value
overvalued
PriceA$0.75
Fair ValueA$0.58
Quality63/100
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).

Harmoney CorpVisa Inc. Class A
Valuation
8.0×P/E (TTM)30.4×
1.07×P/S (TTM)15.42×
1.53×P/B17.51×
10.7×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
20%Net margin52%
10%Operating margin67%
25%Return on equity60%
1%Return on assets19%
Growth
23%Revenue growth (YoY)17%
18.1%Avg. growth/yr (3Y)10.9%
51.1%Avg. growth/yr (5Y)12.9%
Balance & size
24.04×Debt / equity0.52×
$52MMarket cap$664B
mixedGrowth qualityhealthy

Harmoney Corp leads: 7 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.

Harmoney Corpof which business quality 58 · market factors 42 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
27
76
Quality GrowthAre margins and returns improving?
66
41
CashflowEarnings quality: real cash, not paper profit
92
85
Fin. StrengthBalance sheet, leverage, solvency risk
20
71
InvestmentDisciplined investing over empire-building
85
85
Low VolatilityCalm price path (market factor)
37
83
MomentumPrice trend over the last 3–12 months (market factor)
42
52
52W MomentumDistance to the 52-week high (market factor)
49
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.

Harmoney Corp

Earnings-BasedA$2.09
MultiplesA$0.59
Asset-BasedA$0.22
Economic ProfitA$0.37

4 of 6 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.

Harmoney Corp
Bear A$0.44Fair Value A$0.58Bull A$0.73
A$0.75 = 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.

Harmoney Corp · Financials

Quality score63 · Top 25%
Fair value upside-23% · below median

Visa Inc. Class A · Financials

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

Bottom line

As of Aug 11, 2026, Fair Value Calculator sees Harmoney Corp as the less overvalued of the two: Harmoney Corp trades at A$0.75 versus a fair value of A$0.58 (-23%), 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 →
Harmoney Corp · 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.