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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Tifa Finance Tbk (TIFA) and Visa Inc. Class A (V) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Tifa Finance Tbk as the less overvalued of the two: Tifa Finance Tbk trades at IDR 300 versus a fair value of IDR 236 (-21%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
Tifa Finance Tbk
TIFA.JK · IDR · Financials
-21%
upside to fair value
overvalued
PriceIDR 300
Fair ValueIDR 236
Quality66/100
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

Tifa Finance TbkVisa Inc. Class A
Valuation
17.2×P/E (TTM)30.4×
n/aP/E ex one-offs (FY2025)31.5×
7.51×P/S (TTM)16.60×
0.87×P/B18.84× · book value is mostly goodwill
11.9×EV/EBITDA23.7×
n/aPEG1.53×
−21.5%Fair value upside−37.1%
7.6%Dividend yield0.7%
n/aDividend per share$2.68
Profitability
24%Operating margin67%
3.82×EBIT margin trend (5Y)0.93×
5%Return on equity60%
3%Return on assets19%
Growth
-8%Revenue growth (YoY)17%
5.5%Avg. growth/yr (3Y)10.9%
2.8%Avg. growth/yr (5Y)12.9%
+12.3%Value creation/yr+16.5%
Balance & size
3.6×Interest coverage (EBIT/interest)40.7×
0.24×Debt / equity0.52×
$60MMarket cap$714B
mixedGrowth qualityhealthy
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.

Even match: 7 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.

Tifa Finance Tbkof which business quality 63 · market factors 34 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
36
76
Quality GrowthAre margins and returns improving?
63
41
CashflowEarnings quality: real cash, not paper profit
82
85
Fin. StrengthBalance sheet, leverage, solvency risk
48
71
InvestmentDisciplined investing over empire-building
80
85
Low VolatilityCalm price path (market factor)
50
82
MomentumPrice trend over the last 3–12 months (market factor)
34
59
52W MomentumDistance to the 52-week high (market factor)
14
63
Net IssuanceShare count: buybacks or dilution?
82
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 familyTifa Finance TbkPrice IDR 300Visa Inc. Class APrice $362
DCF Models-36%below the priceIDR 193-36%below the price$232
Earnings-Based-7%close to the priceIDR 279-28%below the price$262
Dividend Discount-33%below the priceIDR 202n/a
Multiples-7%close to the priceIDR 280-75%below the price$92.08
Asset-Based-23%below the priceIDR 230-96%below the price$14.90
Growth DCF-51%below the priceIDR 146-40%below the price$218
Economic Profit-19%below the priceIDR 244-49%below the price$185
Minimum-51%below the priceIDR 146-96%below the price$14.90
Maximum-7%close to the priceIDR 280-28%below the price$262
Median-23%below the priceIDR 230-44%below the price$202
Geometric mean-27%below the priceIDR 220-66%below the price$122

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%.

Tifa Finance Tbk: 11 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.

Tifa Finance Tbk
Price IDR 300
Fair Value IDR 236
Bear IDR 127Bull IDR 276
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.

Tifa Finance Tbk · Financials

Quality score66 · Top 25%
Fair value upside-21% · below median

Visa Inc. Class A · Financials

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

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Tifa Finance Tbk as the less overvalued of the two: Tifa Finance Tbk trades at IDR 300 versus a fair value of IDR 236 (-21%), while Visa Inc. Class A trades at $362 versus $227 (-37%).

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

Open Tifa Finance Tbk live analysis →
Tifa Finance Tbk · 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.