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STOCK COMPARISON

Visa Inc. Class A vs World Acceptance: Fair Value & Quality

Both stocks run through our valuation models. Here is how Visa Inc. Class A (V) and World Acceptance (WRLD) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees World Acceptance as the less overvalued of the two: Visa Inc. Class A trades at $362 versus a fair value of $227 (-37%), while World Acceptance trades at $170 versus $148 (-13%).
Visa Inc. Class A
V · USD · Financials
-37%
upside to fair value
overvalued
Price$362
Fair Value$227
Quality82/100
World Acceptance
WRLD · USD · Financials
-13%
upside to fair value
overvalued
Price$170
Fair Value$148
Quality61/100
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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 AWorld Acceptance
Valuation
30.4×P/E (TTM)25.1×
16.63×P/S (TTM)1.49×
18.87× · book value is mostly goodwillP/B2.48×
23.7×EV/EBITDA14.0×
1.53×PEG0.70×
−37.1%Fair value upside−12.8%
0.7%Dividend yieldn/a
$2.60Dividend per sharen/a
Profitability
67%Operating margin33%
0.93×EBIT margin trend (5Y)0.77×
60%Return on equity9%
19%Return on assets6%
Growth
17%Revenue growth (YoY)7%
10.9%Avg. growth/yr (3Y)-1.7%
12.9%Avg. growth/yr (5Y)2.1%
+16.5%Value creation/yr−4.1%
Balance & size
40.7×Interest coverage (EBIT/interest)1.9×
0.52×Debt / equity1.67×
$715BMarket cap$869M
healthyGrowth qualityexpensive

Visa Inc. Class A leads: 9 to 5 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 64 World Acceptanceof which business quality 59 · market factors 41
ProfitabilityMargins and returns on capital today
76
49
Quality GrowthAre margins and returns improving?
41
35
CashflowEarnings quality: real cash, not paper profit
85
100
Fin. StrengthBalance sheet, leverage, solvency risk
71
14
InvestmentDisciplined investing over empire-building
85
67
Low VolatilityCalm price path (market factor)
83
32
MomentumPrice trend over the last 3–12 months (market factor)
56
48
52W MomentumDistance to the 52-week high (market factor)
57
40
Net IssuanceShare count: buybacks or dilution?
100
100

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 $362World AcceptancePrice $170
DCF Models-34%below the price$238+177485%above the price$302,019
Earnings-Based-26%below the price$269-43%below the price$96.29
Multiples-74%below the price$94.55-40%below the price$101
Asset-Based-96%below the price$15.30-70%below the price$50.68
Growth DCF-38%below the price$224+413056%above the price$702,654
Economic Profit-47%below the price$190-60%below the price$67.38
Minimum-96%below the price$15.30-70%below the price$50.68
Maximum-26%below the price$269+413056%above the price$702,654
Median-43%below the price$207-42%below the price$98.84
Geometric mean-65%below the price$126+715%above the price$1,386

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.

World Acceptance: 6 of 9 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 $362
Fair Value $227
Bear $119Bull $536
World Acceptance
Price $170
Fair Value $148
Bear $72.67Bull $196

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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-37% · below median

World Acceptance · Financials

Quality score61 · above median
Fair value upside-13% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees World Acceptance as the less overvalued of the two: Visa Inc. Class A trades at $362 versus a fair value of $227 (-37%), while World Acceptance trades at $170 versus $148 (-13%).

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

Open World Acceptance live analysis →
Visa Inc. Class A · World Acceptance

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