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STOCK COMPARISON

Baiying Holdings Group vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Baiying Holdings Group (8525) and Visa Inc. Class A (V) compare, as of Aug 17, 2026.

As of Aug 17, 2026, Fair Value Calculator sees Baiying Holdings Group as the less overvalued of the two: Baiying Holdings Group trades at HK$0.85 versus a fair value of HK$0.69 (-19%), while Visa Inc. Class A trades at $364 versus $198 (-46%).
Baiying Holdings Group
8525.HK · HKD · Financials
-19%
upside to fair value
overvalued
PriceHK$0.85
Fair ValueHK$0.69
Quality69/100
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).

Baiying Holdings GroupVisa Inc. Class A
Valuation
10.6×P/E (TTM)30.4×
0.70×P/S (TTM)15.42×
0.11×P/B17.51×
2.9×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
17%Net margin52%
34%Operating margin67%
8%Return on equity60%
5%Return on assets19%
Growth
75%Revenue growth (YoY)17%
20.6%Avg. growth/yr (3Y)10.9%
8.8%Avg. growth/yr (5Y)12.9%
Balance & size
0.21×Debt / equity0.52×
$29MMarket cap$664B
healthyGrowth qualityhealthy

Baiying Holdings Group leads: 7 to 5 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.

Baiying Holdings Groupof which business quality 66 · market factors 56 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
26
76
Quality GrowthAre margins and returns improving?
48
41
CashflowEarnings quality: real cash, not paper profit
99
85
Fin. StrengthBalance sheet, leverage, solvency risk
68
71
InvestmentDisciplined investing over empire-building
80
85
Low VolatilityCalm price path (market factor)
99
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.

Baiying Holdings Group

DCF ModelsHK$0.68
Earnings-BasedHK$0.52
MultiplesHK$0.39
Asset-BasedHK$0.65
Growth DCFHK$1.04
Economic ProfitHK$0.58

9 of 11 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.

Baiying Holdings Group
Bear HK$0.57Fair Value HK$0.69Bull HK$0.69
HK$0.85 = 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.

Baiying Holdings Group · Financials

Quality score69 · Top 25%
Fair value upside-19% · below median

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 Baiying Holdings Group as the less overvalued of the two: Baiying Holdings Group trades at HK$0.85 versus a fair value of HK$0.69 (-19%), 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 →
Baiying Holdings Group · 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.