WallStSmart

Chevron Corp (CVX)vsVisa Inc. Class A (V)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chevron Corp generates 346% more annual revenue ($184.65B vs $41.39B). V leads profitability with a 50.2% profit margin vs 6.7%. V appears more attractively valued with a PEG of 1.65. V earns a higher WallStSmart Score of 68/100 (B-).

CVX

Hold

40

out of 100

Grade: F

Growth: 2.0Profit: 5.0Value: 4.7Quality: 3.5
Piotroski: 1/9

V

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 10.0Value: 9.3Quality: 6.5
Piotroski: 4/9Altman Z: 1.84
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVXSignificantly Overvalued (-358.0%)

Margin of Safety

-358.0%

Fair Value

$45.15

Current Price

$205.15

$160.00 premium

UndervaluedFair: $45.15Overvalued
VUndervalued (+17.4%)

Margin of Safety

+17.4%

Fair Value

$369.26

Current Price

$304.91

$64.35 discount

UndervaluedFair: $369.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVX3 strengths · Avg: 8.7/10
Market CapQuality
$403.33B10/10

Mega-cap, among the largest globally

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.38B8/10

Generating 5.4B in free cash flow

V5 strengths · Avg: 9.6/10
Market CapQuality
$585.66B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
53.9%10/10

Every $100 of equity generates 54 in profit

Profit MarginProfitability
50.2%10/10

Keeps 50 of every $100 in revenue as profit

Operating MarginProfitability
68.3%10/10

Strong operational efficiency at 68.3%

Free Cash FlowQuality
$6.40B8/10

Generating 6.4B in free cash flow

Areas to Watch

CVX4 concerns · Avg: 3.3/10
P/E RatioValuation
30.4x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
6.7%3/10

6.7% margin — thin

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

V4 concerns · Avg: 4.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

P/E RatioValuation
28.5x4/10

Moderate valuation

Price/BookValuation
15.2x4/10

Trading at 15.2x book value

Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CVX

The strongest argument for CVX centers on Market Cap, Price/Book, Free Cash Flow.

Bull 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.

Bear Case : CVX

The primary concerns for CVX are P/E Ratio, Return on Equity, Profit Margin.

Bear Case : V

The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.

Key Dynamics to Monitor

CVX profiles as a value stock while V is a mature 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 40/100), backed by strong 50.2% margins and 14.6% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Chevron Corp

ENERGY · OIL & GAS INTEGRATED · USA

Chevron Corporation is an American multinational energy corporation. One of the successor companies of Standard Oil, it is headquartered in San Ramon, California, and active in more than 180 countries. Chevron is engaged in every aspect of the oil and natural gas industries, including hydrocarbon exploration and production; refining, marketing and transport; chemicals manufacturing and sales; and power generation.

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.

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