EN DE
STOCK COMPARISON

VCREDIT Holdings vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how VCREDIT Holdings (2003) and Visa Inc. Class A (V) compare, as of Aug 17, 2026.

As of Aug 17, 2026, Fair Value Calculator sees VCREDIT Holdings as the less overvalued of the two: VCREDIT Holdings trades at HK$0.89 versus a fair value of HK$0.62 (-30%), while Visa Inc. Class A trades at $364 versus $198 (-46%).
VCREDIT Holdings
2003.HK · HKD · Financials
-30%
upside to fair value
overvalued
PriceHK$0.89
Fair ValueHK$0.62
Quality55/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$364
Fair Value$198
Quality82/100

Head-to-head numbers

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

VCREDIT HoldingsVisa Inc. Class A
Valuation
—P/E (TTM)30.4×
0.03×P/S (TTM)15.42×
—P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
5.0%Dividend yield0.8%
HK$0.05Dividend per share$2.60
Profitability
-29%Net margin52%
—Operating margin67%
-13%Return on equity60%
-5%Return on assets19%
Growth
-90%Revenue growth (YoY)17%
2.7%Avg. growth/yr (3Y)10.9%
—Avg. growth/yr (5Y)12.9%
Balance & size
1.34×Debt / equity0.52×
$56MMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 2 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.

VCREDIT Holdingsof which business quality 58 · market factors 21 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
11
76
Quality GrowthAre margins and returns improving?
27
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
45
71
InvestmentDisciplined investing over empire-building
98
85
Low VolatilityCalm price path (market factor)
58
83
MomentumPrice trend over the last 3–12 months (market factor)
8
54
52W MomentumDistance to the 52-week high (market factor)
1
70
Net IssuanceBuybacks instead of dilution
84
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.

VCREDIT Holdings

Dividend DiscountHK$3.08
Asset-BasedHK$5.45
Growth DCFHK$109

0 of 4 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.

VCREDIT Holdings
Bear HK$0.36Fair Value HK$0.62Bull HK$1.04
HK$0.89 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$364 = current price (white tick)

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

VCREDIT Holdings · Financials

Quality score55 · above median
Fair value upside-30% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-46% · bottom 25%

Bottom line

As of Aug 17, 2026, Fair Value Calculator sees VCREDIT Holdings as the less overvalued of the two: VCREDIT Holdings trades at HK$0.89 versus a fair value of HK$0.62 (-30%), while Visa Inc. Class A trades at $364 versus $198 (-46%).

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

See the full analysis →
VCREDIT Holdings · Visa Inc. Class A

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to VCREDIT Holdings

Alphabet Inc Class C vs Verizon CommunicationsAlphabet Inc Class C vs At&tAlphabet Inc Class C vs NetEaseAmazon.com vs Toyota Motor Corporation

Related to Visa Inc. Class A

Amazon.com vs PDD HoldingsAmazon.com vs Sony GroupMeta Platforms vs Verizon CommunicationsMeta Platforms vs At&t
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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