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STOCK COMPARISON

PBS Finanse vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how PBS Finanse (PBF) and Visa Inc. Class A (V) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: PBS Finanse trades at PLN 0.97 versus a fair value of PLN 0.14 (-86%), while Visa Inc. Class A trades at $379 versus $198 (-48%).
PBS Finanse
PBF.WAR · PLN · Financials
-86%
upside to fair value
overvalued
PricePLN 0.97
Fair ValuePLN 0.14
Quality58/100
Visa Inc. Class A
V · USD · Financials
-48%
upside to fair value
overvalued
Price$379
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).

PBS FinanseVisa Inc. Class A
Valuation
115.0×P/E (TTM)30.4×
0.92×P/S (TTM)15.42×
0.36×P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
−85.6%Fair value upside−47.7%
—Dividend yield0.7%
—Dividend per share$2.60
Profitability
-12%Operating margin67%
—EBIT margin trend (5Y)0.93×
1%Return on equity60%
-3%Return on assets19%
Growth
-4%Revenue growth (YoY)17%
22.0%Avg. growth/yr (3Y)10.9%
—Avg. growth/yr (5Y)12.9%
−26.6%Value creation/yr+16.5%
Balance & size
—Interest coverage (EBIT/interest)40.7×
—Debt / equity0.52×
$3MMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 3 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.

PBS Finanseof which business quality 58 · market factors 62 Visa Inc. Class Aof which business quality 76 · market factors 68
ProfitabilityMargins and returns on capital today
19
76
Quality GrowthAre margins and returns improving?
49
41
CashflowEarnings quality: real cash, not paper profit
33
85
Fin. StrengthBalance sheet, leverage, solvency risk
88
71
InvestmentDisciplined investing over empire-building
98
85
Low VolatilityCalm price path (market factor)
50
82
MomentumPrice trend over the last 3–12 months (market factor)
58
57
52W MomentumDistance to the 52-week high (market factor)
85
71
Net IssuanceBuybacks instead of dilution
82
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 familyPBS FinansePrice PLN 0.97Visa Inc. Class APrice $379
DCF Modelsn/a-38%below the price$236
Earnings-Based-84%below the pricePLN 0.16-29%below the price$269
Multiples-84%below the pricePLN 0.16-75%below the price$94.55
Asset-Based-41%below the pricePLN 0.57-96%below the price$15.30
Growth DCFn/a-42%below the price$219
Economic Profit-52%below the pricePLN 0.47-50%below the price$190
Minimum-84%below the pricePLN 0.16-96%below the price$15.30
Maximum-41%below the pricePLN 0.57-29%below the price$269
Median-68%below the pricePLN 0.32-46%below the price$205
Geometric mean-71%below the pricePLN 0.29-67%below the price$125

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%.

PBS Finanse: 6 of 6 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 case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

PBS Finanse
Bear PLN 0.10Fair Value PLN 0.14Bull PLN 0.17
PLN 0.97 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$379 = 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.

PBS Finanse · Financials

Quality score58 · above median
Fair value upside-86% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: PBS Finanse trades at PLN 0.97 versus a fair value of PLN 0.14 (-86%), while Visa Inc. Class A trades at $379 versus $198 (-48%).

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

See the full analysis →
PBS Finanse · Visa Inc. Class A

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