V vs WFC: Which Is the Better Buy?
Side-by-side comparison of Visa Inc. and Wells Fargo & Company — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-19.
Visa Inc. · Financial Services
$368.29
+25.7% upside to fair value
Med Conviction
Grade B
High Quality
VS
Wells Fargo & Company · Financial Services
$86.12
+20.4% upside to fair value
Med Conviction
Grade B
QuantHub Verdict
V has more upside to fair value
(+25.7%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
V |
WFC |
| Current Price |
$368.29 |
$86.12 |
| Fair Value Estimate |
$463.00 |
$103.68 |
| Upside to Fair Value |
+25.7%
|
+20.4%
|
| Market Cap |
$687.6B |
$260.4B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
24.0x
|
15.6x
|
| Price / Sales |
15.5x
|
2.0x
|
| Price / FCF |
33.5x
|
13.7x
|
| Revenue Growth YoY |
+14.4%
|
+11.3%
|
| Gross Margin |
80.2%
|
64.5%
|
| Operating Margin |
60.7%
|
21.2%
|
| Return on Equity |
61.3%
|
12.6%
|
| Dividend Yield |
0.73% |
2.15% |
| FCF Yield |
2.98%
|
7.3%
|
| Analyst Consensus |
Strong Buy
|
Hold
|
Investment Thesis
Visa operates the world's largest retail payments network, connecting consumers, merchants, issuers, and acquirers through VisaNet, which authorizes, clears, and settles transactions across more than 200 countries. The business quality is exceptional: TTM gross margin of 80.2%, operating margin of 60.7%, net margin of 50.8%, and ROE of 61.3% reflect a two-sided network with powerful scale economi…
Wells Fargo is a diversified U.S. bank with roughly 197,000 employees operating four segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The business quality is solid but not exceptional: trailing return on equity is 12.6%, TTM net margin is 17.5%, and revenue grew 11.3% year over year in the most recent quarter while…
Accumulation Zones
| Metric |
V |
WFC |
| Zone Low |
$347.25 |
$77.76 |
| Zone High |
$393.55 |
$88.13 |
| In Buy Zone? |
Yes
|
Yes
|