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51 Credit Card Inc (2051) fair value: what the stock is really worth

We calculate from audited financials what 51 Credit Card Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

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Financial Services · HK · ISIN KYG341531096

5C Thin data Sep 13, 2026

51 Credit Card Inc

2051 · HK

Weakest SetupStrongly overvalued and low quality.

!Fair value HK$0.2040 · Strongly overvalued (−51%)
!Quality 27/100
!Weak Growth (revenue 5y −2.0 %/yr)
!Loss-making · -65.5% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (3/10)
!Narrow moat 8/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

HK$1.44 HK$0.0730 Fair Value HK$0.2040 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range HK$0.0730 – HK$1.44 · fair‑value band HK$0.1360 – HK$0.2635 · the HK$0.4150 price screens above the HK$0.2040 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

Vala Inc., an investment holding company, operates 51 Credit Card Manager, an online credit card management platform in the People's Republic of China. It operates through Credit card facilitation and technology services, SaaS Business, valalife Business and Children's entertainment Business segments.

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Vala Inc., an investment holding company, operates 51 Credit Card Manager, an online credit card management platform in the People's Republic of China. It operates through Credit card facilitation and technology services, SaaS Business, valalife Business and Children's entertainment Business segments. The company offers credit management, credit card technology, and credit facilitation services. It is also involved in developing and operating applications; provision of micro loan, technology, and financing guarantee services; provision of post-loan management services; operating employees' incentive; provision for technical and operational solution to financial institutions and camping services; and processing and sell automobiles. The company was formerly known as 51 Credit Card Inc. and changed its name to Vala Inc. in June 2025. Vala Inc. was founded in 2012 and is headquartered in Hangzhou, China.

Stock analysis

51 Credit Card Inc (2051) currently trades at HK$0.4150, while our model-based Fair Value estimate is HK$0.2040, implying the stock looks roughly 103.4% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 94/100, which puts the evidence level at low.

Scenario range: HK$0.1360 (bear) to HK$0.2635 (bull), the price of HK$0.4150 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 27/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

51 Credit Card Inc reported revenue of 236M CNY in FY2025 versus 429M CNY in FY2021, a compound −13.8%/yr. Reported net income was −151M CNY in FY2025.

Key figures

Market cap HK$733M (≈ $93.5M) · P/S ratio 3.19 · EPS (TTM) HK$−0.0300 · Net margin −63.8% · Return on equity −21.2% · Return on assets (EBIT) −7.6% · Operating margin −54.4% · Revenue (TTM) HK$230M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (medium confidence).

What moves the price

The share trades about 52% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at −51%, 2051 screens richer than that median.

Fair Value models

Bear HK$0.1360 Fair Value HK$0.2040 Bull HK$0.2635
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) HK$0.2000 HK$0.2700 HK$0.4000 54
All 1 models by family
Asset-Based
NCAV (Graham) HK$0.2000 HK$0.2700 HK$0.4000 54

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Quality Score breakdown

Overall quality 27/100

Of which business quality 33 · Market factors (momentum, volatility) 18

Profitability 2
Margins and returns on capital today
Quality Growth 26
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 94
Balance sheet, leverage, solvency risk
Investment 88
Disciplined investing over empire-building
Low Volatility 37
Calm price path (market factor)
Momentum 13
Price trend over the last 3–12 months (market factor)
52W Momentum 6
Distance to the 52-week high (market factor)
Net Issuance 4
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+8.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−15.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.0%
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−33.3%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−549.6% (2020) → −65.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

2051 screens 103% overvalued. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 335 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 33 · Bottom 25%
Profitability
Return on assets −6% · Bottom 25%
Net margin (TTM) −65% · Bottom 25%
Operating margin (TTM) −54% · Bottom 25%
Growth and dividend
Revenue growth −2% · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.14× · Cheapest 25%
P/S (TTM) 0.41× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 39
FUTURE (revenue growth)0 · sector 39
PAST (return on equity)0 · sector 30
HEALTH (low debt)100 · sector 58
DIVIDEND (yield)0 · sector 71

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $375.62 $225.86 −40%
Mastercard Incorporated MA $573.27 $350.52 −39%
American Express Company AXP $324.43 $206.40 −36%
Capital One Financial Corporation COF $206.85 $125.36 −39%
Bajaj Finance Limited BAJFINANCE ₹1,034 ₹397.70 −62%
PayPal Holdings PYPL $53.81 $96.99 +80%
Shriram Finance Limited SHRIRAMFIN ₹1,028 ₹553.82 −46%
Affirm Holdings AFRM $71.58 $16.24 −77%
Synchrony Financial, SYF $74.88 $137.28 +83%
SoFi Technologies, Inc SOFI $16.84 $5.02 −70%

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51 Credit Card Inc · Fair Value
HK$0.2040 −103%Fair Value
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Cite: Fair Value Calculator (2026). "51 Credit Card Inc Fair Value". https://www.fairvalue-calculator.com/stock/2051

Frequently asked questions

Is 51 Credit Card Inc (2051) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of HK$0.2040 versus a price of HK$0.4150, about −51% upside (overvalued).
What is the fair value of 2051?
Our model-based fair value for 51 Credit Card Inc is HK$0.2040 (as of Sep 13, 2026), built from audited fundamentals. The current price: HK$0.4150.
What is the quality score of 2051?
51 Credit Card Inc has a Quality Score of 27/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for 51 Credit Card Inc (2051)?
Our model-based price target is the fair value of HK$0.2040 (as of Sep 13, 2026) from 1 valuation models. Cautious scenario HK$0.1360, optimistic scenario HK$0.2635. It is a calculation from audited fundamentals, not an analyst target.
What is the 51 Credit Card Inc stock forecast for 2026?
Our models put fair value at HK$0.2040, about −51% upside versus a price of HK$0.4150 (overvalued). Cautious scenario HK$0.1360, optimistic scenario HK$0.2635. The calculation is refreshed regularly with new filings.
What is the revenue of 51 Credit Card Inc (2051)?
51 Credit Card Inc reported trailing-twelve-month revenue of about HK$230M (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of 51 Credit Card Inc (2051)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For 51 Credit Card Inc it is HK$0.2040 per share (as of Sep 13, 2026), against a price of HK$0.4150. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is 51 Credit Card Inc stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 2051 trades above its calculated fair value: price HK$0.4150, fair value HK$0.2040, a gap of about −51% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 2051?
No. The price is what the market pays today (HK$0.4150); the fair value is what the company's own numbers justify (HK$0.2040). For 51 Credit Card Inc the two are HK$0.2110 per share apart. That gap is exactly why we show both numbers side by side.
How much is 51 Credit Card Inc worth?
The market values 51 Credit Card Inc at about HK$733M (market capitalisation, as of Sep 13, 2026). Per share that is HK$0.4150; our models calculate a fair value of HK$0.2040 per share.
What do the bullish and bearish scenarios say about 2051?
Our models span a range for 51 Credit Card Inc: cautious scenario HK$0.1360, base HK$0.2040, optimistic HK$0.2635 per share (as of Sep 13, 2026, price HK$0.4150). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of 51 Credit Card Inc (2051)?
Balance-sheet figures for 51 Credit Card Inc (as of Sep 13, 2026): return on equity −21.2%. They feed the Quality Score of 27/100, which measures business quality independently of the share price.
How far is 2051 from its 52-week high?
51 Credit Card Inc trades at HK$0.4150, about 52% below its 52-week high of HK$0.8700 and 17% above the low of HK$0.3550 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.2040 is for.
Which stocks are comparable to 51 Credit Card Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is 51 Credit Card Inc stock attractive at the current price?
The data as of Sep 13, 2026: price HK$0.4150, calculated fair value HK$0.2040 (−51%), Quality Score 27/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 2051 calculated?
We run 51 Credit Card Inc through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of HK$0.2040, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.0 % above its aggregate fair value. 51 Credit Card Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of 51 Credit Card Inc (2051)?
The closing price on Sep 18, 2026 was HK$0.4150. Our model-based fair value is HK$0.2040, about −51% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with 51 Credit Card Inc right now?
The price sits above even our optimistic bull case (HK$0.2635). The favourable scenario is already priced in. Weak quality (27/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (HK$0.1360 to HK$0.2635) leaves room in how you read the outcome.

Key figures of 51 Credit Card Inc

How large is the market capitalisation of 51 Credit Card Inc (2051)?
The market capitalisation of 51 Credit Card Inc is HK$733M (≈ $93.5M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of 51 Credit Card Inc (2051)?
The price-to-sales ratio of 51 Credit Card Inc is 3.19 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of 51 Credit Card Inc (2051)?
Earnings per share at 51 Credit Card Inc are HK$−0.0300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of 51 Credit Card Inc (2051)?
The net margin of 51 Credit Card Inc is −63.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of 51 Credit Card Inc (2051)?
The return on equity (ROE) of 51 Credit Card Inc is −21.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of 51 Credit Card Inc (2051)?
On an EBIT basis the return on assets of 51 Credit Card Inc is −7.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of 51 Credit Card Inc (2051)?
The operating margin of 51 Credit Card Inc is −54.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at 51 Credit Card Inc (2051)?
Revenue at 51 Credit Card Inc is growing −2.4% versus a year earlier (3y avg −15.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at 51 Credit Card Inc (2051)?
Earnings per share at 51 Credit Card Inc are growing −97.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does 51 Credit Card Inc (2051) generate?
The free cash flow of 51 Credit Card Inc is −HK$93.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does 51 Credit Card Inc (2051) hold?
51 Credit Card Inc holds more cash than debt, HK$198M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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