3660 (3660) Fair Value & Analysis

Financial Services · Market cap HK$15.4B

3 3660 3660 · HK

PriceHK$63.40

Fair ValueHK$126.80

Upside+100.0%

Quality59/100

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Evidence: High Range HK$95.10 – HK$507.20

Fair value as of: Jul 2, 2026

From 26 valuation models · updated today

Share price −8.2% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$46.78 – HK$164.85 · fair‑value band HK$95.10 – HK$507.20 · the HK$63.40 price screens below the HK$126.80 fair value. As of Jul 2, 2026.

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Analysis

3660 (3660) currently trades at HK$63.40, while our model-based Fair Value estimate is HK$126.80 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 59/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, 3660 generated revenue of HK$18.4B at a net margin of 27.5%. Revenue declined 16.7% year over year. It earns a return on equity of 21.3%. The stock trades on a trailing P/E of 2.9. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$18.4B

Revenue growth (YoY) -16.7%

Net margin 27.5%

Return on equity 21.3%

Free cash flow HK$10.8B FY2025

P/E ratio 2.9

More key figures

Operating margin 27.5%

EPS (TTM) HK$21.18

EPS growth (YoY) -43.3%

Figures from reported company fundamentals (EODHD) · as of Jul 2, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

3660 reported revenue of HK$19.2B in FY2025 versus HK$16.6B in FY2021, a compound +3.7%/yr. Reported net income was HK$6.0B in FY2025, compounding +0.9%/yr from FY2021.

Revenue +3.7%/yr

FY21 HK$16.6B

FY22 HK$16.6B

FY23 HK$16.3B

FY24 HK$17.2B

FY25 HK$19.2B

Net income +0.9%/yr

FY21 HK$5.8B

FY22 HK$4.0B

FY23 HK$4.3B

FY24 HK$6.3B

FY25 HK$6.0B

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).

Stock	Price	Fair Value	vs Fair Value
Visa Inc V	5,663 MXN	3,063 MXN	-46%
Mastercard Incorporated MA	C$29.95	C$10.05	-66%
M4I M4I	€430.50	€317.57	-26%
American Express Company AXP	C$28.87	C$23.85	-17%
Capital One Financial Corporation COF	$183.20	$122.33	-33%
Bajaj Finance Limited BAJFINANCE	₹968.30	₹720.78	-26%

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Frequently asked questions

Is 3660 (3660) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$126.80 versus a price of HK$63.40 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 3660?

Our model-based fair value for 3660 is HK$126.80 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$63.40.

What is the quality score of 3660?

3660 has a Quality Score of 59/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 3660 (3660)?

3660 reported trailing-twelve-month revenue of about HK$18.4B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 3660?

The net profit margin of 3660 is about 27.5%, meaning it keeps roughly 27.5% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.