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STOCK COMPARISON

Visa Inc. Class A vs Royal Bank of Canada: Fair Value & Quality

Both stocks run through our valuation models. Here is how Visa Inc. Class A (V) and Royal Bank of Canada (RY) compare, as of Aug 13, 2026.

As of Aug 13, 2026, Fair Value Calculator sees Royal Bank of Canada as the less overvalued of the two: Visa Inc. Class A trades at $359 versus a fair value of $198 (-45%), while Royal Bank of Canada trades at $213 versus $152 (-29%).
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$359
Fair Value$198
Quality82/100
Royal Bank of Canada
RY · USD · Financials
-29%
upside to fair value
overvalued
Price$213
Fair Value$152
Quality63/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Visa Inc. Class ARoyal Bank of Canada
Valuation
30.4×P/E (TTM)19.5×
15.42×P/S (TTM)4.46×
17.51×P/B2.11×
22.0×EV/EBITDA19.5×
1.53×PEG2.34×
0.8%Dividend yield3.1%
$2.60Dividend per share$6.36
Profitability
52%Net margin34%
67%Operating margin45%
60%Return on equity16%
19%Return on assets1%
Growth
17%Revenue growth (YoY)16%
10.9%Avg. growth/yr (3Y)27.1%
12.9%Avg. growth/yr (5Y)17.6%
Balance & size
0.52×Debt / equity2.54×
$664BMarket cap$293B
healthyGrowth qualityhealthy

Even match: 7 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.

Visa Inc. Class Aof which business quality 76 · market factors 65 Royal Bank of Canadaof which business quality 57 · market factors 86
ProfitabilityMargins and returns on capital today
76
30
Quality GrowthAre margins and returns improving?
41
62
CashflowEarnings quality: real cash, not paper profit
85
100
Fin. StrengthBalance sheet, leverage, solvency risk
71
13
InvestmentDisciplined investing over empire-building
85
74
Low VolatilityCalm price path (market factor)
83
83
MomentumPrice trend over the last 3–12 months (market factor)
52
80
52W MomentumDistance to the 52-week high (market factor)
68
100
Net IssuanceBuybacks instead of dilution
100
83

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.

Royal Bank of Canada

Dividend Discount$121
Multiples$165
Asset-Based$67.06
Economic Profit$131

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 $119Fair Value $198Bull $332
$359 = current price (white tick)
Royal Bank of Canada
Bear $114Fair Value $152Bull $190
$213 = 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-45% · bottom 25%

Royal Bank of Canada · Financials

Quality score63 · Top 25%
Fair value upside-29% · below median

Bottom line

As of Aug 13, 2026, Fair Value Calculator sees Royal Bank of Canada as the less overvalued of the two: Visa Inc. Class A trades at $359 versus a fair value of $198 (-45%), while Royal Bank of Canada trades at $213 versus $152 (-29%).

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

See the full analysis →
Visa Inc. Class A · Royal Bank of Canada

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.