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STOCK COMPARISON

Integrated System Credit Consulting Fintech S.p.A. vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Integrated System Credit Consulting Fintech S.p.A. (ISC) 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: Integrated System Credit Consulting Fintech S.p.A. trades at €0.90 versus a fair value of €0.29 (-68%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Integrated System Credit Consulting Fintech S.p.A.
ISC.MI · EUR · Financials
-68%
upside to fair value
overvalued
Price€0.90
Fair Value€0.29
Quality38/100
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).

Integrated System Credit Consulting Fintech S.p.A.Visa Inc. Class A
Valuation
P/E (TTM)30.4×
2.43×P/S (TTM)15.42×
1.35×P/B17.51×
EV/EBITDA22.0×
PEG1.53×
Dividend yield0.8%
Dividend per share$2.60
Profitability
-42%Net margin52%
-44%Operating margin67%
-21%Return on equity60%
-7%Return on assets19%
Growth
-35%Revenue growth (YoY)17%
5.9%Avg. growth/yr (3Y)10.9%
84.0%Avg. growth/yr (5Y)12.9%
Balance & size
0.14×Debt / equity0.52×
$13MMarket cap$664B
expensiveGrowth qualityhealthy

Visa Inc. Class A leads: 4 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.

Integrated System Credit Consulting Fintech S.p.A.of which business quality 38 · market factors 28 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
13
76
Quality GrowthAre margins and returns improving?
0
41
CashflowEarnings quality: real cash, not paper profit
2
85
Fin. StrengthBalance sheet, leverage, solvency risk
68
71
InvestmentDisciplined investing over empire-building
92
85
Low VolatilityCalm price path (market factor)
59
83
MomentumPrice trend over the last 3–12 months (market factor)
19
52
52W MomentumDistance to the 52-week high (market factor)
8
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.

Integrated System Credit Consulting Fintech S.p.A.

Asset-Based€0.51

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.

Integrated System Credit Consulting Fintech S.p.A.
Bear €0.19Fair Value €0.29Bull €0.36
€0.90 = 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.

Integrated System Credit Consulting Fintech S.p.A. · Financials

Quality score38 · bottom 25%
Fair value upside-68% · 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: Integrated System Credit Consulting Fintech S.p.A. trades at €0.90 versus a fair value of €0.29 (-68%), 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 →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.