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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Credent Global Finance (ORACLECR) and Visa Inc. Class A (V) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Credent Global Finance as the less overvalued of the two: Credent Global Finance trades at ₹30.35 versus a fair value of ₹24.17 (-20%), while Visa Inc. Class A trades at $365 versus $198 (-46%).
Credent Global Finance
ORACLECR.BSE · INR · Financials
-20%
upside to fair value
overvalued
Price₹30.35
Fair Value₹24.17
Quality26/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$365
Fair Value$198
Quality82/100

Head-to-head numbers

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

Credent Global FinanceVisa Inc. Class A
Valuation
465.8×P/E (TTM)30.4×
—P/S (TTM)15.42×
2.58×P/B17.51×
5.5×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
45%Net margin52%
59%Operating margin67%
—Return on equity60%
2%Return on assets19%
Growth
18%Revenue growth (YoY)17%
78.4%Avg. growth/yr (3Y)10.9%
42.4%Avg. growth/yr (5Y)12.9%
Balance & size
—Debt / equity0.52×
$7MMarket cap$664B
mixedGrowth qualityhealthy

Credent Global Finance leads: 5 to 4 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.

Credent Global Financeof which business quality 26 · market factors 55 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
51
76
Quality GrowthAre margins and returns improving?
21
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
64
71
InvestmentDisciplined investing over empire-building
0
85
Low VolatilityCalm price path (market factor)
62
83
MomentumPrice trend over the last 3–12 months (market factor)
48
53
52W MomentumDistance to the 52-week high (market factor)
57
72
Net IssuanceBuybacks instead of dilution
0
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.

Credent Global Finance

DCF Models₹76.06
Earnings-Based₹135
Multiples₹29.65
Asset-Based₹7.98
Economic Profit₹26.32

3 of 7 models see the stock below the current price.

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.

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.

Credent Global Finance
Bear ₹17.12Fair Value ₹24.17Bull ₹52.40
₹30.35 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$365 = 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.

Credent Global Finance · Financials

Quality score26 · bottom 25%
Fair value upside-20% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-46% · bottom 25%

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Credent Global Finance as the less overvalued of the two: Credent Global Finance trades at ₹30.35 versus a fair value of ₹24.17 (-20%), while Visa Inc. Class A trades at $365 versus $198 (-46%).

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

See the full analysis →
Credent Global Finance · Visa Inc. Class A

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