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STOCK COMPARISON

Gome Finance Technology Co vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Gome Finance Technology Co (0628) and Visa Inc. Class A (V) compare, as of Sep 30, 2026.

As of Sep 30, 2026, Fair Value Calculator sees Gome Finance Technology Co as the less overvalued of the two: Gome Finance Technology Co trades at HK$0.29 versus a fair value of HK$0.20 (−32.6%), while Visa Inc. Class A trades at $366 versus $221 (−39.5%).
Gome Finance Technology Co
0628.HK · HKD · Financials
−32.6%
upside to fair value
overvalued
PriceHK$0.29
Fair ValueHK$0.20
Quality29/100
Visa Inc. Class A
V · USD · Financials
−39.5%
upside to fair value
overvalued
Price$366
Fair Value$221
Quality82/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Gome Finance Technology CoVisa Inc. Class A
Valuation
29.0×P/E (TTM)30.8×
n/aP/E ex one-offs (FY2025)31.9×
n/aForward P/E (FY2027)24.4×
n/aMedian P/E at FY-end (10 FY, ex one-offs where documented)32.1×
3.76×P/S (TTM)15.90×
0.68×P/B18.66× · book value is mostly goodwill
n/aEV/EBITDA22.7×
n/aPEG1.64×
−32.6%Fair value upside−39.5%
n/aDividend yield0.7%
n/aDividend per share$2.68
Profitability
1.1%Operating margin66.1%
0.24×EBIT margin trend (5Y)0.93×
0.4%Return on equity61.2%
-0.1%Return on assets19.1%
Growth
2.3%Revenue growth (YoY)14.4%
65.2%Avg. growth/yr (3Y)10.9%
30.4%Avg. growth/yr (5Y)12.9%
+16.9%Value creation/yr+16.5%
Balance & size
3.7×Interest coverage (EBIT/interest)40.7×
0.06×Debt / equity0.52×
$232MMarket cap$707B
expensiveGrowth qualityhealthy
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.
Visa Inc. Class A, median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 32.1.
Forward P/E: price divided by the analyst consensus for the first fiscal year that has not started yet. The current year carries special items from quarters already reported.

Gome Finance Technology Co leads: 7 to 5 metric wins.

n/a = 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.

Gome Finance Technology Coof which business quality 30 · market factors 41 Visa Inc. Class Aof which business quality 76 · market factors 66
ProfitabilityMargins and returns on capital today
28
76
Quality GrowthAre margins and returns improving?
47
41
CashflowEarnings quality: real cash, not paper profit
2
85
Fin. StrengthBalance sheet, leverage, solvency risk
53
71
InvestmentDisciplined investing over empire-building
63
85
Low VolatilityCalm price path (market factor)
38
82
MomentumPrice trend over the last 3–12 months (market factor)
44
58
52W MomentumDistance to the 52-week high (market factor)
41
62
Net IssuanceShare count: buybacks or dilution?
0
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyGome Finance Technology CoPrice HK$0.29Visa Inc. Class APrice $366
DCF Models+69.0%above the priceHK$0.49−36.5%below the price$232
Earnings-Based+91.4%above the priceHK$0.56−28.4%below the price$262
Multiples−29.3%below the priceHK$0.21−74.8%below the price$92.08
Asset-Based+20.7%above the priceHK$0.35−95.9%below the price$14.90
Growth DCFn/a−40.5%below the price$218
Economic Profit+6.9%close to the priceHK$0.31−71.4%below the price$105
Minimum−29.3%below the priceHK$0.21−95.9%below the price$14.90
Maximum+91.4%above the priceHK$0.56−28.4%below the price$262
Median+20.7%above the priceHK$0.35−55.9%below the price$161
Geometric mean+24.1%above the priceHK$0.36−69.6%below the price$111

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Gome Finance Technology Co: 2 of 7 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Gome Finance Technology Co
Price HK$0.29
Fair Value HK$0.20
Bear HK$0.11Bull HK$0.25
Visa Inc. Class A
Price $366
Fair Value $221
Bear $115Bull $325

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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.

Gome Finance Technology Co · Financials

Quality score29 · bottom 25%
Fair value upside−32.6% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside−39.5% · bottom 25%

Bottom line

As of Sep 30, 2026, Fair Value Calculator sees Gome Finance Technology Co as the less overvalued of the two: Gome Finance Technology Co trades at HK$0.29 versus a fair value of HK$0.20 (−32.6%), while Visa Inc. Class A trades at $366 versus $221 (−39.5%).

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

Open Gome Finance Technology Co live analysis →
Gome Finance Technology Co · Visa Inc. Class A

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.