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STOCK COMPARISON

SBI Cards and Payment Services vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how SBI Cards and Payment Services (SBICARD) 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: SBI Cards and Payment Services trades at ₹659 versus a fair value of ₹296 (-55%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
SBI Cards and Payment Services
SBICARD.NSE · INR · Financials
-55%
upside to fair value
overvalued
Price₹659
Fair Value₹296
Quality62/100
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).

SBI Cards and Payment ServicesVisa Inc. Class A
Valuation
28.4×P/E (TTM)30.4×
5.22×P/S (TTM)15.42×
3.94×P/B17.51×
19.6×EV/EBITDA22.0×
—PEG1.53×
0.4%Dividend yield0.8%
₹2.50Dividend per share$2.60
Profitability
18%Net margin52%
26%Operating margin67%
15%Return on equity60%
3%Return on assets19%
Growth
19%Revenue growth (YoY)17%
18.9%Avg. growth/yr (3Y)10.9%
19.3%Avg. growth/yr (5Y)12.9%
Balance & size
—Debt / equity0.52×
$7BMarket cap$664B
healthyGrowth qualityhealthy

SBI Cards and Payment Services leads: 7 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.

SBI Cards and Payment Servicesof which business quality 60 · market factors 42 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
39
76
Quality GrowthAre margins and returns improving?
52
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
38
71
InvestmentDisciplined investing over empire-building
50
85
Low VolatilityCalm price path (market factor)
88
83
MomentumPrice trend over the last 3–12 months (market factor)
26
52
52W MomentumDistance to the 52-week high (market factor)
19
69
Net IssuanceBuybacks instead of dilution
81
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.

SBI Cards and Payment Services

DCF Models₹1,478
Earnings-Based₹809
Dividend Discount₹43.56
Multiples₹264
Asset-Based₹111
Growth DCF₹5,415
Economic Profit₹217

7 of 12 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.

SBI Cards and Payment Services
Bear ₹222Fair Value ₹296Bull ₹939
₹659 = 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.

SBI Cards and Payment Services · Financials

Quality score62 · above median
Fair value upside-55% · 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: SBI Cards and Payment Services trades at ₹659 versus a fair value of ₹296 (-55%), 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 →
SBI Cards and Payment Services · Visa Inc. Class A

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