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STOCK COMPARISON

51 Credit Card vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how 51 Credit Card (2051) and Visa Inc. Class A (V) compare, as of Aug 6, 2026.

As of Aug 6, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: 51 Credit Card trades at HK$0.34 versus a fair value of HK$0.03 (-90%), while Visa Inc. Class A trades at $369 versus $204 (-45%).
51 Credit Card
2051.HK · HKD · Financials
-90%
upside to fair value
overvalued
PriceHK$0.34
Fair ValueHK$0.03
Quality30/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$369
Fair Value$204
Quality79/100

Head-to-head numbers

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

51 Credit CardVisa Inc. Class A
Valuation
—P/E (TTM)30.4×
0.41×P/S (TTM)15.42×
0.14×P/B17.51×
—EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
-65%Net margin52%
-54%Operating margin67%
-21%Return on equity60%
-6%Return on assets19%
Growth
-2%Revenue growth (YoY)17%
-15.3%Avg. growth/yr (3Y)10.9%
-2.0%Avg. growth/yr (5Y)12.9%
Balance & size
—Debt / equity0.52×
$94MMarket cap$664B
weakGrowth qualityhealthy

Visa Inc. Class A leads: 2 to 7 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.

51 Credit Cardof which business quality 33 · market factors 20 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
2
76
Quality GrowthAre margins and returns improving?
26
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
94
71
InvestmentDisciplined investing over empire-building
88
85
Low VolatilityCalm price path (market factor)
37
83
MomentumPrice trend over the last 3–12 months (market factor)
14
54
52W MomentumDistance to the 52-week high (market factor)
9
71
Net IssuanceBuybacks instead of dilution
4
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.

51 Credit Card

Asset-BasedHK$0.04

1 of 1 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 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.

51 Credit Card
Bear HK$0.02Fair Value HK$0.03Bull HK$0.03
HK$0.34 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$369 = 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.

51 Credit Card · Financials

Quality score30 · bottom 25%
Fair value upside-90% · bottom 25%

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 6, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: 51 Credit Card trades at HK$0.34 versus a fair value of HK$0.03 (-90%), while Visa Inc. Class A trades at $369 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
51 Credit Card · 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.