EN DE
STOCK COMPARISON

Heng Leasing & Capital PCL vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Heng Leasing & Capital PCL (HENG) and Visa Inc. Class A (V) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Heng Leasing & Capital PCL as the less overvalued of the two: Heng Leasing & Capital PCL trades at THB 0.89 versus a fair value of THB 0.73 (-18%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
Heng Leasing & Capital PCL
HENG.BK · THB · Financials
-18%
upside to fair value
overvalued
PriceTHB 0.89
Fair ValueTHB 0.73
Quality65/100
Visa Inc. Class A
V · USD · Financials
-37%
upside to fair value
overvalued
Price$362
Fair Value$227
Quality82/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

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

Heng Leasing & Capital PCLVisa Inc. Class A
Valuation
44.5×P/E (TTM)30.4×
n/aP/E ex one-offs (FY2025)31.5×
3.25×P/S (TTM)16.60×
0.67×P/B18.84× · book value is mostly goodwill
13.9×EV/EBITDA23.7×
n/aPEG1.53×
−18.0%Fair value upside−37.1%
2.9%Dividend yield0.7%
THB 0.03Dividend per share$2.68
Profitability
27%Operating margin67%
0.22×EBIT margin trend (5Y)0.93×
1%Return on equity60%
0%Return on assets19%
Growth
-20%Revenue growth (YoY)17%
21.1%Avg. growth/yr (3Y)10.9%
10.3%Avg. growth/yr (5Y)12.9%
+5.3%Value creation/yr+16.5%
Balance & size
1.7×Interest coverage (EBIT/interest)40.7×
0.27×Debt / equity0.52×
$101MMarket cap$714B
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 leads: 6 to 8 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.

Heng Leasing & Capital PCLof which business quality 62 · market factors 41 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
21
76
Quality GrowthAre margins and returns improving?
52
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
40
71
InvestmentDisciplined investing over empire-building
100
85
Low VolatilityCalm price path (market factor)
83
82
MomentumPrice trend over the last 3–12 months (market factor)
31
59
52W MomentumDistance to the 52-week high (market factor)
10
63
Net IssuanceShare count: buybacks or dilution?
82
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 familyHeng Leasing & Capital PCLPrice THB 0.89Visa Inc. Class APrice $362
DCF Models+385%above the priceTHB 4.32-36%below the price$232
Earnings-Based-84%below the priceTHB 0.14-28%below the price$262
Dividend Discount-41%below the priceTHB 0.53n/a
Multiples-85%below the priceTHB 0.14-75%below the price$92.08
Asset-Based0%close to the priceTHB 0.89-96%below the price$14.90
Growth DCF+1212%above the priceTHB 11.68-40%below the price$218
Economic Profit-17%below the priceTHB 0.74-49%below the price$185
Minimum-85%below the priceTHB 0.14-96%below the price$14.90
Maximum+1212%above the priceTHB 11.68-28%below the price$262
Median-17%below the priceTHB 0.74-44%below the price$202
Geometric mean-4%close to the priceTHB 0.85-66%below the price$122

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%.

Heng Leasing & Capital PCL: 6 of 11 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.

Visa Inc. Class A
Price $362
Fair Value $227
Bear $119Bull $536

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Heng Leasing & Capital PCL · Financials

Quality score65 · Top 25%
Fair value upside-18% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-37% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Heng Leasing & Capital PCL as the less overvalued of the two: Heng Leasing & Capital PCL trades at THB 0.89 versus a fair value of THB 0.73 (-18%), while Visa Inc. Class A trades at $362 versus $227 (-37%).

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

Open Heng Leasing & Capital PCL live analysis →
Heng Leasing & Capital PCL · Visa Inc. Class A

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to Heng Leasing & Capital PCL

Microsoft vs NvidiaApple vs MicrosoftNvidia vs Taiwan Semiconductor ManufacturingApple vs Taiwan Semiconductor Manufacturing

Related to Visa Inc. Class A

Alphabet Inc Class C vs Meta PlatformsCisco Systems vs NvidiaMicrosoft vs Taiwan Semiconductor ManufacturingApple vs Cisco Systems
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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