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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Capital Finance Holdings (8239) and Visa Inc. Class A (V) compare, as of Oct 1, 2026.

As of Oct 1, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital Finance Holdings trades at HK$26.78 versus a fair value of HK$7.42 (−72.3%), while Visa Inc. Class A trades at $359 versus $221 (−38.4%).
Capital Finance Holdings
8239.HK · HKD · Financials
−72.3%
upside to fair value
overvalued
PriceHK$26.78
Fair ValueHK$7.42
Quality61/100
Visa Inc. Class A
V · USD · Financials
−38.4%
upside to fair value
overvalued
Price$359
Fair Value$221
Quality82/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Capital Finance HoldingsVisa Inc. Class A
Valuation
n/aP/E (TTM)30.8×
n/aP/E ex one-offs (FY2025)31.3×
n/aMedian P/E at FY-end (10 FY, ex one-offs where documented)32.1×
7.89×P/S (TTM)15.61×
29.49×P/B18.32× · book value is mostly goodwill
n/aEV/EBITDA22.3×
n/aPEG1.64×
−72.3%Fair value upside−38.4%
n/aDividend yield0.7%
n/aDividend per share$2.68
Profitability
-34.6%Operating margin66.1%
n/aEBIT margin trend (5Y)0.93×
-54.6%Return on equity61.2%
0.6%Return on assets19.1%
Growth
102.4%Revenue growth (YoY)14.4%
202.3%Avg. growth/yr (3Y)10.9%
71.5%Avg. growth/yr (5Y)12.9%
n/aValue creation/yr+16.5%
Balance & size
0.4×Interest coverage (EBIT/interest)40.7×
0.19×Debt / equity0.52×
$320MMarket cap$695B
mixedGrowth qualityhealthy
The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.
Visa Inc. Class A, median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 32.1.

Visa Inc. Class A leads: 4 to 5 metric wins.

n/a = 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.

Capital Finance Holdingsof which business quality 66 · market factors 84 Visa Inc. Class Aof which business quality 76 · market factors 63
ProfitabilityMargins and returns on capital today
9
76
Quality GrowthAre margins and returns improving?
60
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
100
71
InvestmentDisciplined investing over empire-building
100
85
Low VolatilityCalm price path (market factor)
50
82
MomentumPrice trend over the last 3–12 months (market factor)
98
54
52W MomentumDistance to the 52-week high (market factor)
100
57
Net IssuanceShare count: buybacks or dilution?
28
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyCapital Finance HoldingsPrice HK$26.78Visa Inc. Class APrice $359
DCF Modelsn/a−35.4%below the price$232
Earnings-Basedn/a−27.1%below the price$262
Multiplesn/a−74.4%below the price$92.08
Asset-Based−99.7%below the priceHK$0.08−95.9%below the price$14.90
Growth DCF−74.5%below the priceHK$6.84−39.4%below the price$218
Economic Profitn/a−70.9%below the price$105
Minimum−99.7%below the priceHK$0.08−95.9%below the price$14.90
Maximum−74.5%below the priceHK$6.84−27.1%below the price$262
Median−87.1%below the priceHK$3.46−55.1%below the price$161
Geometric mean−97.2%below the priceHK$0.74−69.0%below the price$111

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Capital Finance Holdings: 2 of 2 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Capital Finance Holdings
Price HK$26.78
Fair Value HK$7.42
Bear HK$4.86Bull HK$11.42
Visa Inc. Class A
Price $359
Fair Value $221
Bear $115Bull $325

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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.

Capital Finance Holdings · Financials

Quality score61 · above median
Fair value upside−72.3% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside−38.4% · bottom 25%

Bottom line

As of Oct 1, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Capital Finance Holdings trades at HK$26.78 versus a fair value of HK$7.42 (−72.3%), while Visa Inc. Class A trades at $359 versus $221 (−38.4%).

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

Open Visa Inc. Class A live analysis →
Capital Finance Holdings · Visa Inc. Class A

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.