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STOCK COMPARISON

Huabang Financial Holdings vs Itochu: Fair Value & Quality

Both stocks run through our valuation models. Here is how Huabang Financial Holdings (3638) and Itochu (ITOCHU19) compare, as of Aug 17, 2026.

As of Aug 17, 2026, Fair Value Calculator sees Itochu as the more attractively valued of the two: Huabang Financial Holdings trades at HK$6.82 versus a fair value of HK$1.26 (-82%), while Itochu trades at THB 7.20 versus THB 14.40 (+100%).
Huabang Financial Holdings
3638.HK · HKD · Information Technology
-82%
upside to fair value
overvalued
PriceHK$6.82
Fair ValueHK$1.26
Quality32/100
Itochu
ITOCHU19.BK · THB · Industrials
+100%
upside to fair value
undervalued
PriceTHB 7.20
Fair ValueTHB 14.40
Quality55/100

Head-to-head numbers

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

Huabang Financial HoldingsItochu
Valuation
—P/E (TTM)16.0×
0.51×P/S (TTM)0.96×
0.41×P/B2.20×
54.2×EV/EBITDA18.1×
—PEG2.46×
—Dividend yield9.4%
Profitability
-49%Net margin6%
3%Operating margin5%
-32%Return on equity14%
-1%Return on assets3%
Growth
-49%Revenue growth (YoY)9%
-48.0%Avg. growth/yr (3Y)2.1%
-23.9%Avg. growth/yr (5Y)—
Balance & size
0.14×Debt / equity0.44×
$79MMarket cap$91B
weakGrowth qualityhealthy

Itochu leads: 3 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.

Huabang Financial Holdingsof which business quality 31 · market factors 25 Itochuof which business quality 53 · market factors 59
ProfitabilityMargins and returns on capital today
11
44
Quality GrowthAre margins and returns improving?
20
32
CashflowEarnings quality: real cash, not paper profit
11
47
Fin. StrengthBalance sheet, leverage, solvency risk
34
44
InvestmentDisciplined investing over empire-building
95
68
Low VolatilityCalm price path (market factor)
73
83
MomentumPrice trend over the last 3–12 months (market factor)
7
43
52W MomentumDistance to the 52-week high (market factor)
0
59
Net IssuanceBuybacks instead of dilution
50
95

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.

Huabang Financial Holdings

Asset-BasedHK$1.68

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

Itochu

DCF ModelsTHB 32.07
Earnings-BasedTHB 24.60
MultiplesTHB 40.79
Asset-BasedTHB 10.53
Growth DCFTHB 21.65
Economic ProfitTHB 19.72

0 of 10 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.

Huabang Financial Holdings
Bear HK$0.94Fair Value HK$1.26Bull HK$1.88
HK$6.82 = current price (white tick)
Itochu
Bear THB 9.14Fair Value THB 14.40Bull THB 21.81
THB 7.20 = 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.

Huabang Financial Holdings · Information Technology

Quality score32 · bottom 25%
Fair value upside-82% · bottom 25%

Itochu · Industrials

Quality score55 · above median
Fair value upside+100% · Top 25%

Bottom line

As of Aug 17, 2026, Fair Value Calculator sees Itochu as the more attractively valued of the two: Huabang Financial Holdings trades at HK$6.82 versus a fair value of HK$1.26 (-82%), while Itochu trades at THB 7.20 versus THB 14.40 (+100%).

Itochu has the higher quality score (55/100).

See the full analysis →
Huabang Financial Holdings · Itochu

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