Visa Inc. Class A vs Bank of America: Fair Value & Quality
Both stocks run through our valuation models. Here is how Visa Inc. Class A (V) and Bank of America (BAC) compare, as of Aug 13, 2026.
As of Aug 13, 2026, Fair Value Calculator sees Bank of America as the less overvalued of the two: Visa Inc. Class A trades at $363 versus a fair value of $204 (-44%), while Bank of America trades at $64.00 versus $55.89 (-13%).
Visa Inc. Class A
V · USD · Financials
-44%
upside to fair value
overvalued
Price$363
Fair Value$204
Quality82/100
Bank of America
BAC · USD · Financials
-13%
upside to fair value
overvalued
Price$64.00
Fair Value$55.89
Quality59/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Visa Inc. Class ABank of America
Valuation
30.4×P/E (TTM)14.8×
15.42×P/S (TTM)3.86×
17.51×P/B1.40×
22.0×EV/EBITDA12.7×
1.53×PEG1.06×
0.8%Dividend yield1.9%
$2.60Dividend per share$1.10
Profitability
52%Net margin29%
67%Operating margin36%
60%Return on equity11%
19%Return on assets1%
Growth
17%Revenue growth (YoY)8%
10.9%Avg. growth/yr (3Y)26.4%
12.9%Avg. growth/yr (5Y)20.9%
Balance & size
0.52×Debt / equity1.05×
$664BMarket cap$423B
healthyGrowth qualitymixed
Bank of America leads: 6 to 8 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.
Visa Inc. Class Aof which business quality 76 · market factors 65Bank of Americaof which business quality 51 · market factors 75
ProfitabilityMargins and returns on capital today
76
28
Quality GrowthAre margins and returns improving?
41
62
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
85
88
Low VolatilityCalm price path (market factor)
83
67
MomentumPrice trend over the last 3–12 months (market factor)
52
70
52W MomentumDistance to the 52-week high (market factor)
69
91
Net IssuanceBuybacks instead of dilution
100
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.
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.
Bank of America
Dividend Discount$25.71
Multiples$57.86
Asset-Based$28.63
Economic Profit$42.90
6 of 6 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.
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$363 = current price (white tick)
Bank of America
Bear $41.92Fair Value $55.89Bull $69.86
$64.00 = 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.
Visa Inc. Class A · Financials
Quality score82 · Top 25%
Fair value upside-44% · bottom 25%
Bank of America · Financials
Quality score59 · above median
Fair value upside-13% · below median
Bottom line
As of Aug 13, 2026, Fair Value Calculator sees Bank of America as the less overvalued of the two: Visa Inc. Class A trades at $363 versus a fair value of $204 (-44%), while Bank of America trades at $64.00 versus $55.89 (-13%).
Visa Inc. Class A has the higher quality score (82/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
