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STOCK COMPARISON

Ngern Tid Lor Public Company vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Ngern Tid Lor Public Company (TIDLOR) and Visa Inc. Class A (V) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Ngern Tid Lor Public Company as the less overvalued of the two: Ngern Tid Lor Public Company trades at THB 19.70 versus a fair value of THB 14.43 (-27%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Ngern Tid Lor Public Company
TIDLOR.BK · THB · Financials
-27%
upside to fair value
overvalued
PriceTHB 19.70
Fair ValueTHB 14.43
Quality35/100
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).

Ngern Tid Lor Public CompanyVisa Inc. Class A
Valuation
10.4×P/E (TTM)30.4×
2.59×P/S (TTM)15.42×
1.62×P/B17.51×
9.9×EV/EBITDA22.0×
0.83×PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
25%Net margin52%
46%Operating margin67%
16%Return on equity60%
5%Return on assets19%
Growth
9%Revenue growth (YoY)17%
15.6%Avg. growth/yr (3Y)10.9%
17.5%Avg. growth/yr (5Y)12.9%
Balance & size
1.31×Debt / equity0.52×
$2BMarket cap$664B
expensiveGrowth qualityhealthy

Ngern Tid Lor Public Company leads: 7 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.

Ngern Tid Lor Public Companyof which business quality 30 · market factors 67 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
45
76
Quality GrowthAre margins and returns improving?
48
41
CashflowEarnings quality: real cash, not paper profit
15
85
Fin. StrengthBalance sheet, leverage, solvency risk
22
71
InvestmentDisciplined investing over empire-building
66
85
Low VolatilityCalm price path (market factor)
70
83
MomentumPrice trend over the last 3–12 months (market factor)
64
52
52W MomentumDistance to the 52-week high (market factor)
68
69
Net IssuanceBuybacks instead of dilution
0
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.

Ngern Tid Lor Public Company

DCF ModelsTHB 11.86
Earnings-BasedTHB 51.12
Dividend DiscountTHB 6.07
MultiplesTHB 19.48
Asset-BasedTHB 7.98
Growth DCFTHB 4.32
Economic ProfitTHB 15.42

8 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.

Ngern Tid Lor Public Company
Bear THB 10.69Fair Value THB 14.43Bull THB 27.68
THB 19.70 = 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.

Ngern Tid Lor Public Company · Financials

Quality score35 · bottom 25%
Fair value upside-27% · below median

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 Ngern Tid Lor Public Company as the less overvalued of the two: Ngern Tid Lor Public Company trades at THB 19.70 versus a fair value of THB 14.43 (-27%), 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 →
Ngern Tid Lor Public Company · 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.