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STOCK COMPARISON

Hoist Finance AB vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Hoist Finance AB (HOFI) and Visa Inc. Class A (V) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Hoist Finance AB as the less overvalued of the two: Hoist Finance AB trades at SEK 214 versus a fair value of SEK 169 (-21%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Hoist Finance AB
HOFI.ST · SEK · Financials
-21%
upside to fair value
overvalued
PriceSEK 214
Fair ValueSEK 169
Quality44/100
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).

Hoist Finance ABVisa Inc. Class A
Valuation
13.8×P/E (TTM)30.4×
3.38×P/S (TTM)15.42×
2.50×P/B17.51×
16.4×EV/EBITDA22.0×
—PEG1.53×
1.8%Dividend yield0.8%
SEK 3.26Dividend per share$2.60
Profitability
27%Net margin52%
34%Operating margin67%
18%Return on equity60%
2%Return on assets19%
Growth
16%Revenue growth (YoY)17%
23.3%Avg. growth/yr (3Y)10.9%
11.4%Avg. growth/yr (5Y)12.9%
Balance & size
1.60×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.

Hoist Finance ABof which business quality 38 · market factors 83 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
38
76
Quality GrowthAre margins and returns improving?
42
41
CashflowEarnings quality: real cash, not paper profit
34
85
Fin. StrengthBalance sheet, leverage, solvency risk
0
71
InvestmentDisciplined investing over empire-building
51
85
Low VolatilityCalm price path (market factor)
46
83
MomentumPrice trend over the last 3–12 months (market factor)
97
52
52W MomentumDistance to the 52-week high (market factor)
100
69
Net IssuanceBuybacks instead of dilution
85
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.

Hoist Finance AB

DCF ModelsSEK 419
Earnings-BasedSEK 340
MultiplesSEK 134
Asset-BasedSEK 47.49
Growth DCFSEK 1,602
Economic ProfitSEK 113

6 of 10 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.

Hoist Finance AB
Bear SEK 127Fair Value SEK 169Bull SEK 386
SEK 214 = 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.

Hoist Finance AB · Financials

Quality score44 · bottom 25%
Fair value upside-21% · below median

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 Hoist Finance AB as the less overvalued of the two: Hoist Finance AB trades at SEK 214 versus a fair value of SEK 169 (-21%), 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 →
Hoist Finance AB · 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.