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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Trust Finance Indonesia Tbk (TRUS) and Visa Inc. Class A (V) compare, as of Aug 11, 2026.

As of Aug 11, 2026, Fair Value Calculator sees Trust Finance Indonesia Tbk as the less overvalued of the two: Trust Finance Indonesia Tbk trades at IDR 410 versus a fair value of IDR 318 (-22%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Trust Finance Indonesia Tbk
TRUS.JK · IDR · Financials
-22%
upside to fair value
overvalued
PriceIDR 410
Fair ValueIDR 318
Quality68/100
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).

Trust Finance Indonesia TbkVisa Inc. Class A
Valuation
16.3×P/E (TTM)30.4×
8.49×P/S (TTM)15.42×
0.85×P/B17.51×
6.5×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
39%Net margin52%
1%Operating margin67%
4%Return on equity60%
4%Return on assets19%
Growth
-40%Revenue growth (YoY)17%
-2.4%Avg. growth/yr (3Y)10.9%
-1.3%Avg. growth/yr (5Y)12.9%
Balance & size
0.01×Debt / equity0.52×
$35MMarket cap$664B
weakGrowth qualityhealthy

Visa Inc. Class A leads: 5 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.

Trust Finance Indonesia Tbkof which business quality 70 · market factors 51 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
37
76
Quality GrowthAre margins and returns improving?
14
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
99
71
InvestmentDisciplined investing over empire-building
79
85
Low VolatilityCalm price path (market factor)
51
83
MomentumPrice trend over the last 3–12 months (market factor)
59
52
52W MomentumDistance to the 52-week high (market factor)
38
69
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.

Trust Finance Indonesia Tbk

DCF ModelsIDR 798
Earnings-BasedIDR 318
Dividend DiscountIDR 205
MultiplesIDR 362
Asset-BasedIDR 346
Growth DCFIDR 1,534
Economic ProfitIDR 409

6 of 11 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.

Trust Finance Indonesia Tbk
Bear IDR 235Fair Value IDR 318Bull IDR 395
IDR 410 = 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.

Trust Finance Indonesia Tbk · Financials

Quality score68 · Top 25%
Fair value upside-22% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-44% · bottom 25%

Bottom line

As of Aug 11, 2026, Fair Value Calculator sees Trust Finance Indonesia Tbk as the less overvalued of the two: Trust Finance Indonesia Tbk trades at IDR 410 versus a fair value of IDR 318 (-22%), 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 →
Trust Finance Indonesia Tbk · 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.