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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Visa Inc. Class A (V) and Viji Finance (VIJIFIN) compare, as of Oct 2, 2026.

As of Oct 2, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Visa Inc. Class A trades at $360 versus a fair value of $221 (−38.5%), while Viji Finance trades at ₹15.16 versus ₹2.24 (−85.2%).
Visa Inc. Class A
V · USD · Financials
−38.5%
upside to fair value
overvalued
Price$360
Fair Value$221
Quality82/100
Viji Finance
VIJIFIN.NSE · INR · Financials
−85.2%
upside to fair value
overvalued
Price₹15.16
Fair Value₹2.24
Quality56/100
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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

Visa Inc. Class AViji Finance
Valuation
30.8×P/E (TTM)47.3×
31.4×P/E ex one-offs (FY2025)n/a
32.1×Median P/E at FY-end (10 FY, ex one-offs where documented)n/a
15.64×P/S (TTM)20.01×
18.35× · book value is mostly goodwillP/B4.04×
22.4×EV/EBITDA34.1×
1.64×PEGn/a
−38.5%Fair value upside−85.2%
0.7%Dividend yieldn/a
$2.68Dividend per sharen/a
Profitability
66.1%Operating margin86.3%
0.93×EBIT margin trend (5Y)0.76×
61.2%Return on equity8.8%
19.1%Return on assets5.8%
Growth
14.4%Revenue growth (YoY)161.9%
10.9%Avg. growth/yr (3Y)35.9%
12.9%Avg. growth/yr (5Y)41.6%
+16.5%Value creation/yr−15.6%
Balance & size
40.7×Interest coverage (EBIT/interest)n/a
0.52×Debt / equity0.31×
$696BMarket cap$10M
healthyGrowth qualityexpensive
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.
Visa Inc. Class A, median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 32.1.

Visa Inc. Class A leads: 8 to 4 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.

Visa Inc. Class Aof which business quality 76 · market factors 62 Viji Financeof which business quality 55 · market factors 87
ProfitabilityMargins and returns on capital today
76
42
Quality GrowthAre margins and returns improving?
41
99
CashflowEarnings quality: real cash, not paper profit
85
60
Fin. StrengthBalance sheet, leverage, solvency risk
71
66
InvestmentDisciplined investing over empire-building
85
10
Low VolatilityCalm price path (market factor)
82
60
MomentumPrice trend over the last 3–12 months (market factor)
52
100
52W MomentumDistance to the 52-week high (market factor)
57
94
Net IssuanceShare count: buybacks or dilution?
100
45

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 familyVisa Inc. Class APrice $360Viji FinancePrice ₹15.16
DCF Models−35.5%below the price$232−78.9%below the price₹3.21
Earnings-Based−27.2%below the price$262−67.1%below the price₹5.00
Multiples−74.4%below the price$92.08−86.5%below the price₹2.05
Asset-Based−95.9%below the price$14.90−92.7%below the price₹1.10
Growth DCF−39.5%below the price$218−83.3%below the price₹2.53
Economic Profit−70.9%below the price$105−90.4%below the price₹1.46
Minimum−95.9%below the price$14.90−92.7%below the price₹1.10
Maximum−27.2%below the price$262−67.1%below the price₹5.00
Median−55.2%below the price$161−84.9%below the price₹2.29
Geometric mean−69.1%below the price$111−85.1%below the price₹2.26

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%.

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

Viji Finance: 10 of 10 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.

Visa Inc. Class A
Price $360
Fair Value $221
Bear $115Bull $325
Viji Finance
Price ₹15.16
Fair Value ₹2.24
Bear ₹1.25Bull ₹4.01

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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−38.5% · bottom 25%

Viji Finance · Financials

Quality score56 · above median
Fair value upside−85.2% · bottom 25%

Bottom line

As of Oct 2, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Visa Inc. Class A trades at $360 versus a fair value of $221 (−38.5%), while Viji Finance trades at ₹15.16 versus ₹2.24 (−85.2%).

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

Open Visa Inc. Class A live analysis →

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