COMP <GO>
CFFI vs V // ALTMAN Z-SCORE & DEBT/EQUITY
C&F Financial Corporation (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: CFFI 3
— V 6
■ METRIC PARITY
LAST: $111.22 (+1.39%) • MKT CAP: $361.7M
balance-sheet
—
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
balance-sheet
9.09
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFFI VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFFI | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.30% | 32.30% | -22.00 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.13% | 2.90% | +3.23 | CFFI | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 19.10% | 50.10% | -31.00 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 10.60% | 11.30% | -0.70 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.65% | 0.63% | +1.02 | CFFI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 9/9 | -4.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 68.1 | 74.2 | -6.10 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.6x | 34.0x | -21.40 | CFFI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $361.7M | $760.28B | -$759.92B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFFI REV | V REV | CFFI GROSS % | V GROSS % | CFFI FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $140.8M | $40.00B | — | — | $22.2M | $21.26B |
| FY 2024 | $127.3M | $35.93B | — | — | $33.3M | $18.33B |
| FY 2023 | $127.3M | $32.65B | — | — | $38.8M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFFI // BETA —
V // BETA 1.06