Which is better, V or WTM?

On the Buffett-Fit framework, Visa Inc. (V) currently grades higher than WTM — 79/100 (B grade) vs 38/100 (D). That said, "better" depends on which framework you trust — V wins on Warren Buffett, Benjamin Graham, Philip Fisher, Joel Greenblatt, Charlie Munger, and Terry Smith; WTM wins on Peter Lynch. The full pillar breakdown is on this page.

Should I buy V or WTM?

This page is an educational comparison, not investment advice. Both V and WTM are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is V better than WTM for value investing?

On the Buffett-style value-investing framework, V currently grades higher — 79/100 vs 38/100, a 41-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between V and WTM on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). V currently scores 79/100 (B grade); WTM scores 38/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, V or WTM?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. V and WTM are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, V or WTM?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are V and WTM both Financial Services stocks?

Yes — both Visa Inc. (V) and White Mountains Insurance Group, Ltd. (WTM) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this V vs WTM comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Visa

White Mountains Insurance Group

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Visa

Market cap

$630.41B

Sector

Financials

WTM

White Mountains Insurance Group

Market cap

$5.32B

Sector

Financials

Overall winner

Visa V

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	V	WTM	Winner
Warren Buffett	79B	38D	V
Benjamin Graham	74B	19F	V
Philip Fisher	78B	54C	V
Peter Lynch	64C	81A	WTM
Joel Greenblatt	74B	41D	V
Charlie Munger	85A	36D	V
Terry Smith	90A	36D	V

Side-by-side metrics

Metric	V	WTM
Market cap	$630.41B	$5.32B
P/E (TTM)	28.4x	5.2x
EV/EBIT	26.8x	4.5x
ROIC (TTM)	32.73%	2.85%
Gross margin	81.29%	58.96%
Net margin	51.68%	39.37%
Revenue CAGR 5y	13.5%	44.88%
EPS CAGR 5y	16.07%	-
Debt / Equity	0.7x	0.2x
Dividend yield	0.79%	0.05%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

V leads on

Market cap$630.41Bvs $5.32B+99%
Dividend yield0.79%vs 0.05%+94%
Gross margin81.29%vs 58.96%+27%
Net margin51.68%vs 39.37%+24%

WTM leads on

ROIC (TTM)2.85%vs 32.73%+89%
EV/EBIT4.5xvs 26.8x+83%
P/E (TTM)5.2xvs 28.4x+82%
Debt / Equity0.2xvs 0.7x+77%

More like V

V vs ING.WA V vs PKO.WA V vs MSCI V vs PEO.WA V vs SPL.WA V vs ICICIBANK.NS

More like WTM

WTM vs ING.WA WTM vs PKO.WA WTM vs MSCI WTM vs PEO.WA WTM vs SPL.WA WTM vs ICICIBANK.NS

Read the full Buffett-Brain analysis for V Read the full Buffett-Brain analysis for WTM

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

Visa

White Mountains Insurance Group

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Visa

Market cap

$630.41B

Sector

Financials

WTM

White Mountains Insurance Group

Market cap

$5.32B

Sector

Financials

Overall winner

Visa V

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	V	WTM	Winner
Warren Buffett	79B	38D	V
Benjamin Graham	74B	19F	V
Philip Fisher	78B	54C	V
Peter Lynch	64C	81A	WTM
Joel Greenblatt	74B	41D	V
Charlie Munger	85A	36D	V
Terry Smith	90A	36D	V

Side-by-side metrics

Metric	V	WTM
Market cap	$630.41B	$5.32B
P/E (TTM)	28.4x	5.2x
EV/EBIT	26.8x	4.5x
ROIC (TTM)	32.73%	2.85%
Gross margin	81.29%	58.96%
Net margin	51.68%	39.37%
Revenue CAGR 5y	13.5%	44.88%
EPS CAGR 5y	16.07%	-
Debt / Equity	0.7x	0.2x
Dividend yield	0.79%	0.05%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

V leads on

Market cap$630.41Bvs $5.32B+99%
Dividend yield0.79%vs 0.05%+94%
Gross margin81.29%vs 58.96%+27%
Net margin51.68%vs 39.37%+24%

WTM leads on

ROIC (TTM)2.85%vs 32.73%+89%
EV/EBIT4.5xvs 26.8x+83%
P/E (TTM)5.2xvs 28.4x+82%
Debt / Equity0.2xvs 0.7x+77%

More like V

V vs ING.WA V vs PKO.WA V vs MSCI V vs PEO.WA V vs SPL.WA V vs ICICIBANK.NS

More like WTM

WTM vs ING.WA WTM vs PKO.WA WTM vs MSCI WTM vs PEO.WA WTM vs SPL.WA WTM vs ICICIBANK.NS

Read the full Buffett-Brain analysis for V Read the full Buffett-Brain analysis for WTM

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.