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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how IIFL Finance (IIFL) and Visa Inc. Class A (V) compare, as of Aug 18, 2026.

As of Aug 18, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: IIFL Finance trades at ₹630 versus a fair value of ₹339 (-46%), while Visa Inc. Class A trades at $359 versus $198 (-45%).
IIFL Finance
IIFL.NSE · INR · Financials
-46%
upside to fair value
overvalued
Price₹630
Fair Value₹339
Quality49/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$359
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).

IIFL FinanceVisa Inc. Class A
Valuation
16.3×P/E (TTM)30.4×
2.79×P/S (TTM)15.42×
1.58×P/B17.51×
19.2×EV/EBITDA22.0×
—PEG1.53×
0.8%Dividend yield0.8%
₹4.00Dividend per share$2.60
Profitability
21%Net margin52%
40%Operating margin67%
12%Return on equity60%
2%Return on assets19%
Growth
-14%Revenue growth (YoY)17%
19.1%Avg. growth/yr (3Y)10.9%
17.6%Avg. growth/yr (5Y)12.9%
Balance & size
2.48×Debt / equity0.52×
$2BMarket cap$664B
healthyGrowth qualityhealthy

IIFL Finance leads: 7 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.

IIFL Financeof which business quality 44 · market factors 75 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
30
76
Quality GrowthAre margins and returns improving?
65
41
CashflowEarnings quality: real cash, not paper profit
50
85
Fin. StrengthBalance sheet, leverage, solvency risk
24
71
InvestmentDisciplined investing over empire-building
41
85
Low VolatilityCalm price path (market factor)
73
83
MomentumPrice trend over the last 3–12 months (market factor)
73
52
52W MomentumDistance to the 52-week high (market factor)
82
65
Net IssuanceBuybacks instead of dilution
68
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.

IIFL Finance

DCF Models₹283
Earnings-Based₹1,390
Dividend Discount₹89.69
Multiples₹483
Asset-Based₹219
Growth DCF₹288
Economic Profit₹377

10 of 13 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.

IIFL Finance
Bear ₹293Fair Value ₹339Bull ₹676
₹630 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$359 = 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.

IIFL Finance · Financials

Quality score49 · below median
Fair value upside-46% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 18, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: IIFL Finance trades at ₹630 versus a fair value of ₹339 (-46%), while Visa Inc. Class A trades at $359 versus $198 (-45%).

Visa Inc. Class A has the higher quality score (82/100).

See the full analysis →
IIFL Finance · 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.