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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 Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Ngern Tid Lor Public Company trades at THB 17.70 versus a fair value of THB 10.96 (-38%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
Ngern Tid Lor Public Company
TIDLOR.BK · THB · Financials
-38%
upside to fair value
overvalued
PriceTHB 17.70
Fair ValueTHB 10.96
Quality35/100
Visa Inc. Class A
V · USD · Financials
-37%
upside to fair value
overvalued
Price$362
Fair Value$227
Quality82/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Ngern Tid Lor Public CompanyVisa Inc. Class A
Valuation
9.6×P/E (TTM)30.4×
2.59×P/S (TTM)16.60×
1.62×P/B18.84× · book value is mostly goodwill
9.9×EV/EBITDA23.7×
0.83×PEG1.53×
−38.1%Fair value upside−37.1%
1.8%Dividend yield0.7%
n/aDividend per share$2.60
Profitability
46%Operating margin67%
1.26×EBIT margin trend (5Y)0.93×
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%
−69.4%Value creation/yr+16.5%
Balance & size
4.4×Interest coverage (EBIT/interest)40.7×
1.31×Debt / equity0.52×
$2BMarket cap$714B
expensiveGrowth qualityhealthy

Ngern Tid Lor Public Company leads: 8 to 7 metric wins.

n/a = 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 51 Visa Inc. Class Aof which business quality 76 · market factors 64
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)
72
83
MomentumPrice trend over the last 3–12 months (market factor)
43
56
52W MomentumDistance to the 52-week high (market factor)
40
57
Net IssuanceShare count: buybacks or dilution?
0
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyNgern Tid Lor Public CompanyPrice THB 17.70Visa Inc. Class APrice $362
DCF Models-23%below the priceTHB 13.62-34%below the price$238
Earnings-Based+189%above the priceTHB 51.12-26%below the price$269
Dividend Discount-74%below the priceTHB 4.62n/a
Multiples+10%close to the priceTHB 19.48-74%below the price$94.55
Asset-Based-55%below the priceTHB 7.98-96%below the price$15.30
Growth DCF-67%below the priceTHB 5.76-38%below the price$224
Economic Profit-24%below the priceTHB 13.37-47%below the price$190
Minimum-74%below the priceTHB 4.62-96%below the price$15.30
Maximum+189%above the priceTHB 51.12-26%below the price$269
Median-24%below the priceTHB 13.37-43%below the price$207
Geometric mean-32%below the priceTHB 12.12-65%below the price$126

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Ngern Tid Lor Public Company: 9 of 13 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Ngern Tid Lor Public Company
Price THB 17.70
Fair Value THB 10.96
Bear THB 9.19Bull THB 22.35
Visa Inc. Class A
Price $362
Fair Value $227
Bear $119Bull $536

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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-38% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-37% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Ngern Tid Lor Public Company trades at THB 17.70 versus a fair value of THB 10.96 (-38%), while Visa Inc. Class A trades at $362 versus $227 (-37%).

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

Open Visa Inc. Class A live analysis →
Ngern Tid Lor Public Company · Visa Inc. Class A

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.