EN DE
STOCK COMPARISON

Paisalo Digital vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Paisalo Digital (PAISALO) and Visa Inc. Class A (V) compare, as of Oct 2, 2026.

As of Oct 2, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Paisalo Digital trades at ₹79.90 versus a fair value of ₹33.73 (−57.8%), while Visa Inc. Class A trades at $360 versus $221 (−38.5%).
Paisalo Digital
PAISALO.NSE · INR · Financials
−57.8%
upside to fair value
overvalued
Price₹79.90
Fair Value₹33.73
Quality55/100
Visa Inc. Class A
V · USD · Financials
−38.5%
upside to fair value
overvalued
Price$360
Fair Value$221
Quality82/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

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

Paisalo DigitalVisa Inc. Class A
Valuation
28.8×P/E (TTM)30.8×
30.4×P/E ex one-offs31.4×
n/aMedian P/E at FY-end (10 FY, ex one-offs where documented)32.1×
13.17×P/S (TTM)15.64×
4.03×P/B18.35× · book value is mostly goodwill
34.6×EV/EBITDA22.4×
n/aPEG1.64×
−57.8%Fair value upside−38.5%
0.1%Dividend yield0.7%
₹0.10Dividend per share$2.68
Profitability
63.7%Operating margin66.1%
0.99×EBIT margin trend (5Y)0.93×
14.3%Return on equity61.2%
4.1%Return on assets19.1%
Growth
20.7%Revenue growth (YoY)14.4%
25.9%Avg. growth/yr (3Y)10.9%
22.2%Avg. growth/yr (5Y)12.9%
+30.9%Value creation/yr+16.5%
Balance & size
n/aInterest coverage (EBIT/interest)40.7×
2.43×Debt / equity0.52×
$751MMarket cap$696B
healthyGrowth qualityhealthy
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.
Visa Inc. Class A, median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 32.1.

Even match: 6 to 6 metric wins.

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.

Paisalo Digitalof which business quality 50 · market factors 83 Visa Inc. Class Aof which business quality 76 · market factors 62
ProfitabilityMargins and returns on capital today
41
76
Quality GrowthAre margins and returns improving?
64
41
CashflowEarnings quality: real cash, not paper profit
77
85
Fin. StrengthBalance sheet, leverage, solvency risk
13
71
InvestmentDisciplined investing over empire-building
41
85
Low VolatilityCalm price path (market factor)
69
82
MomentumPrice trend over the last 3–12 months (market factor)
88
52
52W MomentumDistance to the 52-week high (market factor)
89
57
Net IssuanceShare count: buybacks or dilution?
74
100

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 familyPaisalo DigitalPrice ₹79.90Visa Inc. Class APrice $360
DCF Models−92.6%below the price₹5.92−35.5%below the price$232
Earnings-Based−6.9%close to the price₹74.40−27.2%below the price$262
Dividend Discount−98.3%below the price₹1.33n/a
Multiples−61.7%below the price₹30.60−74.4%below the price$92.08
Asset-Based−83.6%below the price₹13.14−95.9%below the price$14.90
Growth DCF−95.7%below the price₹3.43−39.5%below the price$218
Economic Profit−74.2%below the price₹20.61−70.9%below the price$105
Minimum−98.3%below the price₹1.33−95.9%below the price$14.90
Maximum−6.9%close to the price₹74.40−27.2%below the price$262
Median−83.6%below the price₹13.14−55.2%below the price$161
Geometric mean−86.5%below the price₹10.76−69.1%below the price$111

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%.

Paisalo Digital: 10 of 11 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 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.

Paisalo Digital
Price ₹79.90
Fair Value ₹33.73
Bear ₹17.64Bull ₹33.73
Visa Inc. Class A
Price $360
Fair Value $221
Bear $115Bull $325

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Paisalo Digital · Financials

Quality score55 · below median
Fair value upside−57.8% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside−38.5% · bottom 25%

Bottom line

As of Oct 2, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Paisalo Digital trades at ₹79.90 versus a fair value of ₹33.73 (−57.8%), while Visa Inc. Class A trades at $360 versus $221 (−38.5%).

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

Open Visa Inc. Class A live analysis →

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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