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STOCK COMPARISON

Microsoft vs Veefin Solutions: Fair Value & Quality

Both stocks run through our valuation models. Here is how Microsoft (MSFT) and Veefin Solutions (VEEFIN) compare, as of Oct 5, 2026.

As of Oct 5, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Microsoft trades at $518 versus a fair value of $564 (+9.0%), while Veefin Solutions trades at ₹247 versus ₹212 (−14.0%).
Microsoft
MSFT · USD · Information Technology
+9.0%
upside to fair value
fairly valued
Price$518
Fair Value$564
Quality66/100
Veefin Solutions
VEEFIN.BSE · INR · Technology
−14.0%
upside to fair value
overvalued
Price₹247
Fair Value₹212
Quality31/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

MicrosoftVeefin Solutions
Valuation
28.8×P/E (TTM)28.0×
21.9×Forward P/E (FY2028)n/a
34.4×Median P/E at FY-end (10 FY, ex one-offs where documented)n/a
11.62×P/S (TTM)2.18×
8.72×P/B1.05× · book value is mostly goodwill
19.9×EV/EBITDA10.8×
1.62×PEGn/a
+9.0%Fair value upside−14.0%
0.7%Dividend yieldn/a
$3.64Dividend per sharen/a
Profitability
45.1%Operating margin14.5%
1.13×EBIT margin trend (5Y)1.24×
34.0%Return on equity5.4%
14.1%Return on assets6.5%
Growth
17.7%Revenue growth (YoY)107.2%
16.1%Avg. growth/yr (3Y)190.5%
14.6%Avg. growth/yr (5Y)n/a
+17.5%Value creation/yr+75.0%
Balance & size
50.9×Interest coverage (EBIT/interest)4.8×
0.07×Debt / equity0.09×
$3.9TMarket cap$65M
expensiveGrowth qualityexpensive
Microsoft, median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings, FY2026 ex one-offs: 34.4.
Forward P/E: price divided by the analyst consensus for the first fiscal year that has not started yet. The current year carries special items from quarters already reported.
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

Microsoft leads: 5 to 3 metric wins.

Group holding company: VEEFIN (71 %) consolidates subsidiaries in full but owns only the stated share. Revenue, EBITDA and margin ratios are therefore restated for its own shareholders; earnings per share, P/E and return on equity already were.

n/a = 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.

Microsoftof which business quality 64 · market factors 64 Veefin Solutionsof which business quality 36 · market factors 27
ProfitabilityMargins and returns on capital today
76
27
Quality GrowthAre margins and returns improving?
64
49
CashflowEarnings quality: real cash, not paper profit
61
45
Fin. StrengthBalance sheet, leverage, solvency risk
79
66
InvestmentDisciplined investing over empire-building
0
0
Low VolatilityCalm price path (market factor)
57
61
MomentumPrice trend over the last 3–12 months (market factor)
69
16
52W MomentumDistance to the 52-week high (market factor)
61
7
Net IssuanceShare count: buybacks or dilution?
83
8

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyMicrosoftPrice $518Veefin SolutionsPrice ₹247
DCF Models−27.3%below the price$376n/a
Earnings-Based−51.2%below the price$252+26.4%above the price₹312
Dividend Discount−86.9%below the price$68.03n/a
Multiples−25.2%below the price$387−9.7%close to the price₹223
Asset-Based−92.3%below the price$39.92−36.6%below the price₹157
Growth DCF−49.0%below the price$264n/a
Economic Profit−58.0%below the price$218−52.0%below the price₹119
Growth Earnings−15.0%close to the price$440+82.5%above the price₹451
Minimum−92.3%below the price$39.92−52.0%below the price₹119
Maximum−15.0%close to the price$440+82.5%above the price₹451
Median−50.1%below the price$258−9.7%close to the price₹223
Geometric mean−61.4%below the price$200−8.7%close to the price₹226

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Microsoft: 23 of 26 models see the stock below the current price.

Veefin Solutions: 7 of 14 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Microsoft
Price $518
Fair Value $564
Bear $282Bull $733
Veefin Solutions
Price ₹247
Fair Value ₹212
Bear ₹159Bull ₹265

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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.

Microsoft · Information Technology

Quality score66 · Top 25%
Fair value upside+9.0% · above median

Veefin Solutions · Technology

Quality score31 · bottom 25%
Fair value upside−14.0% · above median

Bottom line

As of Oct 5, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Microsoft trades at $518 versus a fair value of $564 (+9.0%), while Veefin Solutions trades at ₹247 versus ₹212 (−14.0%).

Microsoft has the higher quality score (66/100).

Open Microsoft live analysis →

More comparisons

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.