Visa Inc. Class A (V)vsWestern Union Co (WU)
V
Visa Inc. Class A
$301.62
+0.64%
FINANCIAL SERVICES · Cap: $581.54B
WU
Western Union Co
$9.02
-1.74%
FINANCIAL SERVICES · Cap: $2.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 922% more annual revenue ($41.39B vs $4.05B). V leads profitability with a 50.2% profit margin vs 12.3%. V appears more attractively valued with a PEG of 1.64. V earns a higher WallStSmart Score of 68/100 (B-).
V
Strong Buy68
out of 100
Grade: B-
WU
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+18.2%
Fair Value
$368.92
Current Price
$301.62
$67.30 discount
Margin of Safety
+4.3%
Fair Value
$10.34
Current Price
$9.02
$1.32 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 52 in profit
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 15.1x book value
Grey zone — moderate risk
Expensive relative to growth rate
Weak financial health signals
Revenue declined 4.7%
Earnings declined 69.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bull Case : WU
The strongest argument for WU centers on P/E Ratio, Return on Equity, Price/Book.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : WU
The primary concerns for WU are PEG Ratio, Piotroski F-Score, Revenue Growth. Debt-to-equity of 2.80 is elevated, increasing financial risk.
Key Dynamics to Monitor
V profiles as a mature stock while WU is a declining play — different risk/reward profiles.
V carries more volatility with a beta of 0.79 — expect wider price swings.
V is growing revenue faster at 14.6% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 61/100), backed by strong 50.2% margins and 14.6% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Western Union Co
FINANCIAL SERVICES · CREDIT SERVICES · USA
The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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