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STOCK COMPARISON

Termbray Industries International Holdings vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Termbray Industries International Holdings (0093) and Visa Inc. Class A (V) compare, as of Aug 11, 2026.

As of Aug 11, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Termbray Industries International Holdings trades at HK$0.30 versus a fair value of HK$0.15 (-50%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Termbray Industries International Holdings
0093.HK · HKD · Real Estate
-50%
upside to fair value
overvalued
PriceHK$0.30
Fair ValueHK$0.15
Quality50/100
Visa Inc. Class A
V · USD · Financials
-44%
upside to fair value
overvalued
Price$363
Fair Value$204
Quality82/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Termbray Industries International HoldingsVisa Inc. Class A
Valuation
44.0×P/E (TTM)30.4×
6.25×P/S (TTM)15.42×
1.05×P/B17.51×
17.0×EV/EBITDA22.0×
2.03×PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
11%Net margin52%
3%Operating margin67%
2%Return on equity60%
1%Return on assets19%
Growth
20%Revenue growth (YoY)17%
30.5%Avg. growth/yr (3Y)10.9%
60.6%Avg. growth/yr (5Y)12.9%
Balance & size
0.09×Debt / equity0.52×
$150MMarket cap$664B
expensiveGrowth qualityhealthy

Termbray Industries International Holdings leads: 7 to 6 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.

Termbray Industries International Holdingsof which business quality 48 · market factors 18 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
24
76
Quality GrowthAre margins and returns improving?
66
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
67
71
InvestmentDisciplined investing over empire-building
80
85
Low VolatilityCalm price path (market factor)
50
83
MomentumPrice trend over the last 3–12 months (market factor)
7
52
52W MomentumDistance to the 52-week high (market factor)
0
69
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.

Termbray Industries International Holdings

MultiplesHK$0.33
Asset-BasedHK$0.28
Economic ProfitHK$0.26

4 of 7 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.

Termbray Industries International Holdings
Bear HK$0.10Fair Value HK$0.15Bull HK$0.24
HK$0.30 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$363 = 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.

Termbray Industries International Holdings · Real Estate

Quality score50 · below median
Fair value upside-50% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-44% · bottom 25%

Bottom line

As of Aug 11, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Termbray Industries International Holdings trades at HK$0.30 versus a fair value of HK$0.15 (-50%), while Visa Inc. Class A trades at $363 versus $204 (-44%).

Visa Inc. Class A has the higher quality score (82/100).

See the full analysis →
Termbray Industries International Holdings · Visa Inc. Class A

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