EN DE
STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Visa Inc. Class A (V) and Verena Multi Finance Tbk (VRNA) compare, as of Sep 14, 2026.

As of Sep 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Visa Inc. Class A trades at $370 versus a fair value of $226 (-39%), while Verena Multi Finance Tbk trades at IDR 91 versus IDR 12 (-87%).
Visa Inc. Class A
V · USD · Financials
-39%
upside to fair value
overvalued
Price$370
Fair Value$226
Quality82/100
Verena Multi Finance Tbk
VRNA.JK · IDR · Financials
-87%
upside to fair value
overvalued
PriceIDR 91
Fair ValueIDR 12
Quality49/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

Head-to-head numbers

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

Visa Inc. Class AVerena Multi Finance Tbk
Valuation
30.4×P/E (TTM)108.9×
15.42×P/S (TTM)2.40×
17.51×P/B0.57×
22.0×EV/EBITDA17.0×
1.53×PEG—
−39.0%Fair value upside−87.0%
0.7%Dividend yield—
$2.60Dividend per share—
Profitability
67%Operating margin-10%
0.93×EBIT margin trend (5Y)0.90×
60%Return on equity0%
19%Return on assets0%
Growth
17%Revenue growth (YoY)3%
10.9%Avg. growth/yr (3Y)10.5%
12.9%Avg. growth/yr (5Y)7.7%
+16.5%Value creation/yr+5.4%
Balance & size
40.7×Interest coverage (EBIT/interest)1.1×
0.52×Debt / equity3.09×
$664BMarket cap$43M
healthyGrowth qualitymixed

Visa Inc. Class A leads: 11 to 3 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 69 Verena Multi Finance Tbkof which business quality 49 · market factors 55
ProfitabilityMargins and returns on capital today
76
15
Quality GrowthAre margins and returns improving?
41
39
CashflowEarnings quality: real cash, not paper profit
85
89
Fin. StrengthBalance sheet, leverage, solvency risk
71
10
InvestmentDisciplined investing over empire-building
85
82
Low VolatilityCalm price path (market factor)
83
64
MomentumPrice trend over the last 3–12 months (market factor)
58
54
52W MomentumDistance to the 52-week high (market factor)
72
45
Net IssuanceShare count: buybacks or dilution?
100
82

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 $370Verena Multi Finance TbkPrice IDR 91
DCF Models-36%below the price$236n/a
Earnings-Based-27%below the price$269-91%below the priceIDR 8
Multiples-74%below the price$94.55-92%below the priceIDR 8
Asset-Based-96%below the price$15.30-4%close to the priceIDR 88
Growth DCF-41%below the price$219n/a
Economic Profit-49%below the price$190-10%close to the priceIDR 82
Minimum-96%below the price$15.30-92%below the priceIDR 8
Maximum-27%below the price$269-4%close to the priceIDR 88
Median-45%below the price$205-51%below the priceIDR 45
Geometric mean-66%below the price$125-72%below the priceIDR 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.

Verena Multi Finance Tbk: 6 of 6 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 $370
Fair Value $226
Bear $119Bull $536
Verena Multi Finance Tbk
Price IDR 91
Fair Value IDR 12
Bear IDR 5Bull IDR 16

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

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-39% · bottom 25%

Verena Multi Finance Tbk · Financials

Quality score49 · below median
Fair value upside-87% · bottom 25%

Bottom line

As of Sep 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Visa Inc. Class A trades at $370 versus a fair value of $226 (-39%), while Verena Multi Finance Tbk trades at IDR 91 versus IDR 12 (-87%).

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

See the full analysis →
Visa Inc. Class A · Verena Multi Finance Tbk

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to Visa Inc. Class A

Microsoft vs NvidiaApple vs MicrosoftNvidia vs Taiwan Semiconductor ManufacturingApple vs Taiwan Semiconductor Manufacturing

Related to Verena Multi Finance Tbk

Microsoft vs Taiwan Semiconductor ManufacturingAlphabet Inc Class C vs Meta PlatformsBroadcom vs MicrosoftMicrosoft vs Micron Technology
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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