India Finsec vs Visa Inc. Class A: Fair Value & Quality
Both stocks run through our valuation models. Here is how India Finsec (IFINSEC) and Visa Inc. Class A (V) compare, as of Aug 21, 2026.
As of Aug 21, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: India Finsec trades at ₹230 versus a fair value of ₹52.38 (-77%), while Visa Inc. Class A trades at $366 versus $198 (-46%).
India Finsec
IFINSEC.BSE · INR · Financials
-77%
upside to fair value
overvalued
Price₹230
Fair Value₹52.38
Quality35/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$366
Fair Value$198
Quality82/100
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Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
India FinsecVisa Inc. Class A
Valuation
29.0×P/E (TTM)30.4×
2.55×P/S (TTM)15.42×
0.05×P/B17.51×
27.6×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.7%
—Dividend per share$2.60
Profitability
14%Net margin52%
60%Operating margin67%
14%Return on equity60%
5%Return on assets19%
Growth
28%Revenue growth (YoY)17%
45.6%Avg. growth/yr (3Y)10.9%
31.2%Avg. growth/yr (5Y)12.9%
Balance & size
1.99×Debt / equity0.52×
$70MMarket cap$664B
expensiveGrowth qualityhealthy
Even match: 6 to 6 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.
India Finsecof which business quality 32 · market factors 66Visa Inc. Class Aof which business quality 76 · market factors 66
ProfitabilityMargins and returns on capital today
30
76
Quality GrowthAre margins and returns improving?
54
41
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
30
85
Low VolatilityCalm price path (market factor)
46
83
MomentumPrice trend over the last 3–12 months (market factor)
74
52
52W MomentumDistance to the 52-week high (market factor)
74
71
Net IssuanceBuybacks instead of dilution
53
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.
India Finsec
DCF Models₹63.09
Earnings-Based₹166
Multiples₹57.18
Asset-Based₹29.66
Economic Profit₹40.68
7 of 7 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.
India Finsec
Bear ₹39.28Fair Value ₹52.38Bull ₹52.38
₹230 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$366 = 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.
India Finsec · Financials
Quality score35 · bottom 25%
Fair value upside-77% · bottom 25%
Visa Inc. Class A · Financials
Quality score82 · Top 25%
Fair value upside-46% · bottom 25%
Bottom line
As of Aug 21, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: India Finsec trades at ₹230 versus a fair value of ₹52.38 (-77%), while Visa Inc. Class A trades at $366 versus $198 (-46%).
Visa Inc. Class A has the higher quality score (82/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
