Both stocks run through our valuation models. Here is how Sunny Loan Top Co (600830) and Cintas (CTAS) compare, as of Aug 11, 2026.
As of Aug 11, 2026, Fair Value Calculator sees Cintas as the less overvalued of the two: Sunny Loan Top Co trades at ¥8.12 versus a fair value of ¥1.62 (-80%), while Cintas trades at $203 versus $95.30 (-53%).
Sunny Loan Top Co
600830.SHG · CNY · Consumer Discretionary
-80%
upside to fair value
overvalued
Price¥8.12
Fair Value¥1.62
Quality51/100
Cintas
CTAS · USD · Industrials
-53%
upside to fair value
overvalued
Price$203
Fair Value$95.30
Quality78/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Sunny Loan Top CoCintas
Valuation
43.9×P/E (TTM)42.0×
7.60×P/S (TTM)7.33×
1.60×P/B16.06×
19.4×EV/EBITDA27.0×
—PEG3.06×
0.2%Dividend yield—
¥0.02Dividend per share$1.74
Profitability
17%Net margin18%
40%Operating margin24%
4%Return on equity41%
2%Return on assets16%
Growth
1%Revenue growth (YoY)9%
22.7%Avg. growth/yr (3Y)8.5%
20.7%Avg. growth/yr (5Y)9.6%
Balance & size
0.62×Debt / equity0.47×
$532MMarket cap$83B
expensiveGrowth qualityhealthy
Cintas 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.
Sunny Loan Top Coof which business quality 45 · market factors 32Cintasof which business quality 74 · market factors 53
ProfitabilityMargins and returns on capital today
27
91
Quality GrowthAre margins and returns improving?
74
53
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
64
71
Low VolatilityCalm price path (market factor)
76
74
MomentumPrice trend over the last 3–12 months (market factor)
15
43
52W MomentumDistance to the 52-week high (market factor)
9
45
Net IssuanceBuybacks instead of dilution
79
90
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.
Sunny Loan Top Co
DCF Models¥1.81
Earnings-Based¥1.28
Dividend Discount¥2.51
Multiples¥3.56
Asset-Based¥3.30
Economic Profit¥2.44
Growth Earnings¥3.10
15 of 15 models see the stock below the current price.
Cintas
DCF Models$96.89
Earnings-Based$48.67
Dividend Discount$30.85
Multiples$76.91
Asset-Based$8.61
Growth DCF$74.33
Economic Profit$58.94
Growth Earnings$81.35
26 of 26 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.
Sunny Loan Top Co
Bear ¥1.62Fair Value ¥1.62Bull ¥3.23
¥8.12 = current price (white tick)
Cintas
Bear $56.44Fair Value $95.30Bull $121
$203 = 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.
Sunny Loan Top Co · Consumer Discretionary
Quality score51 · below median
Fair value upside-80% · bottom 25%
Cintas · Industrials
Quality score78 · Top 25%
Fair value upside-53% · below median
Bottom line
As of Aug 11, 2026, Fair Value Calculator sees Cintas as the less overvalued of the two: Sunny Loan Top Co trades at ¥8.12 versus a fair value of ¥1.62 (-80%), while Cintas trades at $203 versus $95.30 (-53%).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
