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STOCK COMPARISON

Spandana Sphoorty Financial vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Spandana Sphoorty Financial (SPANDANA) and Visa Inc. Class A (V) compare, as of Aug 18, 2026.

As of Aug 18, 2026, Fair Value Calculator sees Spandana Sphoorty Financial as the less overvalued of the two: Spandana Sphoorty Financial trades at ₹248 versus a fair value of ₹198 (-20%), while Visa Inc. Class A trades at $359 versus $198 (-45%).
Spandana Sphoorty Financial
SPANDANA.NSE · INR · Financials
-20%
upside to fair value
overvalued
Price₹248
Fair Value₹198
Quality35/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$359
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).

Spandana Sphoorty FinancialVisa Inc. Class A
Valuation
—P/E (TTM)30.4×
—P/S (TTM)15.42×
—P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
0%Net margin52%
5%Operating margin67%
-29%Return on equity60%
-9%Return on assets19%
Growth
256%Revenue growth (YoY)17%
-5.6%Avg. growth/yr (3Y)10.9%
-4.7%Avg. growth/yr (5Y)12.9%
Balance & size
1.85×Debt / equity0.52×
$270MMarket cap$664B
weakGrowth qualityhealthy

Visa Inc. Class A leads: 1 to 7 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.

Spandana Sphoorty Financialof which business quality 35 · market factors 51 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
7
76
Quality GrowthAre margins and returns improving?
34
41
CashflowEarnings quality: real cash, not paper profit
30
85
Fin. StrengthBalance sheet, leverage, solvency risk
37
71
InvestmentDisciplined investing over empire-building
100
85
Low VolatilityCalm price path (market factor)
70
83
MomentumPrice trend over the last 3–12 months (market factor)
45
52
52W MomentumDistance to the 52-week high (market factor)
42
65
Net IssuanceBuybacks instead of dilution
29
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.

Spandana Sphoorty Financial

Asset-Based₹200

1 of 1 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.

Spandana Sphoorty Financial
Bear ₹148Fair Value ₹198Bull ₹296
₹248 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$359 = 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.

Spandana Sphoorty Financial · Financials

Quality score35 · bottom 25%
Fair value upside-20% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 18, 2026, Fair Value Calculator sees Spandana Sphoorty Financial as the less overvalued of the two: Spandana Sphoorty Financial trades at ₹248 versus a fair value of ₹198 (-20%), while Visa Inc. Class A trades at $359 versus $198 (-45%).

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

See the full analysis →
Spandana Sphoorty Financial · 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.