Ramchandra Leasing & Finance vs Visa Inc. Class A: Fair Value & Quality
Both stocks run through our valuation models. Here is how Ramchandra Leasing & Finance (RLFL) and Visa Inc. Class A (V) compare, as of Aug 20, 2026.
As of Aug 20, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Ramchandra Leasing & Finance trades at ₹17.52 versus a fair value of ₹5.71 (-67%), while Visa Inc. Class A trades at $366 versus $198 (-46%).
Ramchandra Leasing & Finance
RLFL.BSE · INR · Consumer Discretionary
-67%
upside to fair value
overvalued
Price₹17.52
Fair Value₹5.71
Quality47/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$366
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).
Ramchandra Leasing & FinanceVisa Inc. Class A
Valuation
43.8×P/E (TTM)30.4×
13.05×P/S (TTM)15.42×
5.35×P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.7%
—Dividend per share$2.60
Profitability
27%Net margin52%
37%Operating margin67%
19%Return on equity60%
13%Return on assets19%
Growth
28459%Revenue growth (YoY)17%
195.6%Avg. growth/yr (3Y)10.9%
83.4%Avg. growth/yr (5Y)12.9%
Balance & size
0.10×Debt / equity0.52×
$16MMarket cap$664B
expensiveGrowth qualityhealthy
Ramchandra Leasing & Finance leads: 6 to 5 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.
Ramchandra Leasing & Financeof which business quality 42 · market factors 87Visa Inc. Class Aof which business quality 76 · market factors 66
ProfitabilityMargins and returns on capital today
50
76
Quality GrowthAre margins and returns improving?
95
41
CashflowEarnings quality: real cash, not paper profit
As of Aug 20, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Ramchandra Leasing & Finance trades at ₹17.52 versus a fair value of ₹5.71 (-67%), while Visa Inc. Class A trades at $366 versus $198 (-46%).
Visa Inc. Class A has the higher quality score (82/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
