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STOCK COMPARISON

Hanhua Financial Hldgs Co vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Hanhua Financial Hldgs Co (3903) and Visa Inc. Class A (V) compare, as of Aug 17, 2026.

As of Aug 17, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Hanhua Financial Hldgs Co trades at HK$0.17 versus a fair value of HK$0.09 (-46%), while Visa Inc. Class A trades at $364 versus $198 (-46%).
Hanhua Financial Hldgs Co
3903.HK · HKD · Financials
-46%
upside to fair value
overvalued
PriceHK$0.17
Fair ValueHK$0.09
Quality61/100
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).

Hanhua Financial Hldgs CoVisa Inc. Class A
Valuation
16.8×P/E (TTM)30.4×
2.00×P/S (TTM)15.42×
0.10×P/B17.51×
17.8×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
11%Net margin52%
-20%Operating margin67%
0%Return on equity60%
0%Return on assets19%
Growth
-14%Revenue growth (YoY)17%
-27.5%Avg. growth/yr (3Y)10.9%
-22.7%Avg. growth/yr (5Y)12.9%
Balance & size
0.40×Debt / equity0.52×
$98MMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 5 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.

Hanhua Financial Hldgs Coof which business quality 61 · market factors 55 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
17
76
Quality GrowthAre margins and returns improving?
45
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
43
71
InvestmentDisciplined investing over empire-building
99
85
Low VolatilityCalm price path (market factor)
96
83
MomentumPrice trend over the last 3–12 months (market factor)
40
54
52W MomentumDistance to the 52-week high (market factor)
33
70
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.

Hanhua Financial Hldgs Co

DCF ModelsHK$0.19
Earnings-BasedHK$0.06
MultiplesHK$0.11
Asset-BasedHK$1.07
Growth DCFHK$0.74
Economic ProfitHK$0.90

4 of 8 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.

Hanhua Financial Hldgs Co
Bear HK$0.07Fair Value HK$0.09Bull HK$0.11
HK$0.17 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$364 = 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.

Hanhua Financial Hldgs Co · Financials

Quality score61 · above median
Fair value upside-46% · bottom 25%

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 Visa Inc. Class A as the less overvalued of the two: Hanhua Financial Hldgs Co trades at HK$0.17 versus a fair value of HK$0.09 (-46%), 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 →
Hanhua Financial Hldgs Co · 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.