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STOCK COMPARISON

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

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

As of Aug 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Shriram Finance trades at ₹1,122 versus a fair value of ₹554 (-51%), while Visa Inc. Class A trades at $365 versus $198 (-46%).
Shriram Finance
SHRIRAMFIN.NSE · INR · Financials
-51%
upside to fair value
overvalued
Price₹1,122
Fair Value₹554
Quality55/100
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).

Shriram FinanceVisa Inc. Class A
Valuation
19.4×P/E (TTM)30.4×
11.64×P/S (TTM)15.42×
3.66×P/B17.51×
25.8×EV/EBITDA22.0×
PEG1.53×
1.1%Dividend yield0.8%
₹10.80Dividend per share$2.60
Profitability
48%Net margin52%
70%Operating margin67%
16%Return on equity60%
3%Return on assets19%
Growth
25%Revenue growth (YoY)17%
17.3%Avg. growth/yr (3Y)10.9%
23.6%Avg. growth/yr (5Y)12.9%
Balance & size
1.94×Debt / equity0.52×
$25BMarket cap$664B
healthyGrowth qualityhealthy

Shriram Finance leads: 8 to 5 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.

Shriram Financeof which business quality 53 · market factors 81 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
38
76
Quality GrowthAre margins and returns improving?
43
41
CashflowEarnings quality: real cash, not paper profit
98
85
Fin. StrengthBalance sheet, leverage, solvency risk
9
71
InvestmentDisciplined investing over empire-building
50
85
Low VolatilityCalm price path (market factor)
75
83
MomentumPrice trend over the last 3–12 months (market factor)
73
53
52W MomentumDistance to the 52-week high (market factor)
100
72
Net IssuanceBuybacks instead of dilution
82
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.

Shriram Finance

DCF Models₹902
Earnings-Based₹1,381
Dividend Discount₹119
Multiples₹473
Asset-Based₹188
Growth DCF₹1,267
Economic Profit₹403

10 of 13 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.

Shriram Finance
Bear ₹272Fair Value ₹554Bull ₹978
₹1,122 = 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.

Shriram Finance · Financials

Quality score55 · above median
Fair value upside-51% · bottom 25%

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 Visa Inc. Class A as the less overvalued of the two: Shriram Finance trades at ₹1,122 versus a fair value of ₹554 (-51%), 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 →

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