3963 (3963) Fair Value & Analysis

Financial Services · Market cap HK$88.6M

3 3963 3963 · HK

PriceHK$0.1440

Fair ValueHK$0.1100

Upside-23.6%

Quality31/100

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Evidence: Low Range HK$0.0600 – HK$0.1500

Fair value as of: Jul 2, 2026

From 2 valuation models · updated today

Share price −10.0% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$0.1280 – HK$0.3300 · fair‑value band HK$0.0600 – HK$0.1500 · the HK$0.1440 price screens above the HK$0.1100 fair value. As of Jul 2, 2026.

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Analysis

3963 (3963) currently trades at HK$0.1440, while our model-based Fair Value estimate is HK$0.1100 — implying the stock looks roughly 23.6% overvalued today. We read business quality at 31/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

Over the trailing twelve months, 3963 generated revenue of HK$81.2M at a net margin of -12.4%. Revenue declined 8.7% year over year. It earns a return on equity of -39.2%. Net debt stands at HK$46.5M. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$81.2M

Revenue growth (YoY) -8.7%

Net margin -12.4%

Return on equity -39.2%

Free cash flow −HK$12.7M FY2025

Operating margin -13.7%

More key figures

EPS (TTM) HK$-0.0200

Net debt HK$46.5M FY2026

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

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

3963 reported revenue of HK$85.2M in FY2026 versus HK$35.1M in FY2022, a compound +24.8%/yr. Reported net income was −HK$10.0M in FY2026.

Revenue +24.8%/yr

FY22 HK$35.1M

FY23 HK$84.8M

FY24 HK$89.0M

FY25 HK$69.4M

FY26 HK$85.2M

Net income

FY22 −HK$568M

FY23 −HK$125M

FY24 −HK$9.6M

FY25 −HK$8.1M

FY26 −HK$10.0M

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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	229.36 MXN	-96%
Mastercard Incorporated MA	C$29.95	C$17.76	-41%
M4I M4I	€430.50	€368.29	-14%
American Express Company AXP	C$28.87	C$24.27	-16%
Capital One Financial Corporation COF	$200.70	$125.08	-38%
Bajaj Finance Limited BAJFINANCE	₹889.40	₹559.13	-37%

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Frequently asked questions

Is 3963 (3963) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$0.1100 versus a price of HK$0.1440 — about −24% (overvalued). Model-based estimate, not financial advice.

What is the fair value of 3963?

Our model-based fair value for 3963 is HK$0.1100 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$0.1440.

What is the quality score of 3963?

3963 has a Quality Score of 31/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 3963 (3963)?

3963 reported trailing-twelve-month revenue of about HK$81.2M (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 3963?

The net profit margin of 3963 is about -12.4%, meaning it is currently running at a net loss. 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.