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

As of Nov 10, 2026: fair value (intrinsic value) of 51 Credit Card Inc stock HK$0.30, price HK$0.31, that is 2.6% below the price, quality 39 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services HK · Based in China · ISIN KYG341531096

5C 51 Credit Card Inc logo Thin data Nov 10, 2026

51 Credit Card Inc

2051 · HK
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Low debt
Revenue last quarter +60% vs. a year ago.
Fair value HK$0.2971 · Fairly valued
Mixed vs. peers (4/10)
Quality 39/100
Weak Growth (revenue 5y −2.0 %/yr in CNY)
Loss-making · -49.5% net margin (TTM)
Negative free cash flow
Narrow moat 8/100
Thin data
Estimate
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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

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Price vs Fair Value

HK$1.33 HK$0.0730 Fair Value HK$0.2971 Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range HK$0.0730 – HK$1.33 · fair‑value band HK$0.2229 – HK$0.3714 · the HK$0.3050 price screens above the HK$0.2971 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 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.

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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$0.3050, while our estimate is HK$0.2971, so the stock looks roughly fairly valued today (gap 2.7%).

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: HK$0.2229 (bear) to HK$0.3714 (bull), the price of HK$0.3050 sits inside 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 39/100 (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$458M (≈ $58.3M) Micro · P/S ratio 1.60 · Net margin −63.8% · Return on equity −21.8% · Return on assets (EBIT) −7.6% (5-year average) · Operating margin −17.5% · Revenue (TTM) 306M CNY · Revenue growth (YoY) +59.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 8 out of 100 (medium confidence).

What moves the price

The share trades about 56% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −3%, 2051 screens richer than that median.

Fair Value

Bear HK$0.2229 Fair Value HK$0.2971 Bull HK$0.3714
Price HK$0.3050 · Downside -2.6%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 39/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 2
How much profit the company makes from its sales and capital
Quality Growth 26
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 94
Debt, balance sheet and risk of trouble
Investment 88
Does it invest with discipline instead of growing at any price?
Low Volatility 44
How calm the share price moves, does not count
Price momentum 14
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 2
Distance to the 52-week high, does not count
New shares 44
Buys back shares or issues new ones?

Open the full quality analysis →

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%
Start year 2020 (pandemic)
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

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Compare 51 Credit Card Inc with another stock

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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 · 325 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −2.6% · Below median
Profitability
Return on assets −17.4% · Bottom 25%
Net margin (12 months) −49.5% · Bottom 25%
Operating margin (12 months) −17.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 59.5% · Top 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.60× · Cheapest 25%
P/S (12 months) 1.27× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)30 · sector 47
FUTURE (revenue growth)100 · sector 55
PAST (return on equity)0 · sector 34
HEALTH (low debt)100 · sector 58
DIVIDEND (yield)0 · sector 63

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 Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs 2051
PayPal Holdings PYPL $58.78 $107.45 +83% vs 2051
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs 2051
Affirm Holdings AFRM $65.95 $74.92 +14% vs 2051
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs 2051
American Express Company AXP $323.46 $210.02 −35% vs 2051
Visa Inc V $423.00 $242.87 −43% vs 2051
Mastercard Incorporated MA $658.84 $360.13 −45% vs 2051
Capital One Financial Corporation COF $195.84 $106.81 −45% vs 2051
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs 2051

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51 Credit Card Inc: fair value per Fair Value Calculator

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 Nov 10, 2026, our estimate of fair value is HK$0.2971 versus a price of HK$0.3050, about 3% lower (fairly valued).
What is the fair value of 2051?
Our estimate for 51 Credit Card Inc is HK$0.2971 (as of Nov 10, 2026), built from audited fundamentals. The current price: HK$0.3050.
What is the quality score of 2051?
51 Credit Card Inc has a Quality Score of 39/100. 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 calculated price target is the estimate of HK$0.2971 (as of Nov 10, 2026). Cautious scenario HK$0.2229, optimistic scenario HK$0.3714. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the 51 Credit Card Inc stock forecast for 2026?
Our estimate puts fair value at HK$0.2971, about 3% lower versus a price of HK$0.3050 (fairly valued). Cautious scenario HK$0.2229, optimistic scenario HK$0.3714. 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 306M CNY (latest available figure, as of Nov 10, 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$0.2971 per share (as of Nov 10, 2026), against a price of HK$0.3050.
Is 51 Credit Card Inc stock overvalued or undervalued in 2026?
As of Nov 10, 2026, 2051 trades above its calculated fair value: price HK$0.3050, fair value HK$0.2971, a gap of about −3% (fairly valued). 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$0.3050); the fair value is what the company's own numbers justify (HK$0.2971). For 51 Credit Card Inc the two are HK$0.0079 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$458M (market capitalisation, as of Nov 10, 2026). Per share that is HK$0.3050; our models calculate a fair value of HK$0.2971 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$0.2229, base HK$0.2971, optimistic HK$0.3714 per share (as of Nov 10, 2026, price HK$0.3050). 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 Nov 10, 2026): return on equity −21.8%. They feed the Quality Score of 39/100, 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$0.3050, about 56% below its 52-week high of HK$0.7000 and 7% above the low of HK$0.2850 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.2971 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 Nov 10, 2026: price HK$0.3050, calculated fair value HK$0.2971 (−3%), Quality Score 39/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% 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 Nov 10, 2026 was HK$0.3050. Our estimate is HK$0.2971, about 3% lower (fairly valued). 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 close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

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$458M (≈ $58.3M). 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 1.60 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
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 −21.8% (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 −17.5% (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 +59.5% 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 −93.6M CNY (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, 198M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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