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STOCK COMPARISON

Shriram Finance vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Shriram Finance (SHRIRAMFIN) and Visa Inc. Class A (V) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Shriram Finance trades at ₹1,141 versus a fair value of ₹554 (-51%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Shriram Finance
SHRIRAMFIN.NSE · INR · Financials
-51%
upside to fair value
overvalued
Price₹1,141
Fair Value₹554
Quality65/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$370
Fair Value$204
Quality79/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Shriram FinanceVisa Inc. Class A
Valuation
19.4×P/E (TTM)30.4×
11.64×P/S (TTM)15.42×
3.66×P/B17.51×
25.8×EV/EBITDA22.0×
—PEG1.53×
1.1%Dividend yield0.8%
₹10.80Dividend per share$2.60
Profitability
48%Net margin52%
70%Operating margin67%
16%Return on equity60%
3%Return on assets19%
Growth
25%Revenue growth (YoY)17%
17.3%Avg. growth/yr (3Y)10.9%
23.6%Avg. growth/yr (5Y)12.9%
Balance & size
1.94×Debt / equity0.52×
$25BMarket cap$664B
healthyGrowth qualityhealthy

Shriram Finance leads: 8 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.

Shriram Financeof which business quality 53 · market factors 82 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
38
76
Quality GrowthAre margins and returns improving?
43
41
CashflowEarnings quality: real cash, not paper profit
98
85
Fin. StrengthBalance sheet, leverage, solvency risk
9
71
InvestmentDisciplined investing over empire-building
50
85
Low VolatilityCalm price path (market factor)
75
83
MomentumPrice trend over the last 3–12 months (market factor)
76
53
52W MomentumDistance to the 52-week high (market factor)
100
72
Net IssuanceBuybacks instead of dilution
82
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.

Shriram Finance

DCF Models₹1,169
Earnings-Based₹815
Dividend Discount₹119
Multiples₹642
Asset-Based₹188
Growth DCF₹1,328
Economic Profit₹330
Growth Earnings₹1,107

19 of 26 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 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.

Shriram Finance
Bear ₹369Fair Value ₹554Bull ₹1,852
₹1,141 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$370 = 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.

Shriram Finance · Financials

Quality score65 · Top 25%
Fair value upside-51% · bottom 25%

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Shriram Finance trades at ₹1,141 versus a fair value of ₹554 (-51%), while Visa Inc. Class A trades at $370 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
Shriram Finance · 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.