COMP <GO>
CFG vs V // GROSS PROFIT MARGIN
Citizens Financial Group Inc. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: CFG 6
— V 6
■ METRIC PARITY
LAST: $64.93 (+1.76%) • MKT CAP: $26.75B
gross-margins
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFG VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFG | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 32.30% | -30.20 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 36.8x | 28.9x | +7.90 | V | /valuation <GO> |
| Free Cash Flow Yield | 7.75% | 2.90% | +4.85 | CFG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 60.00% | +15.00 | CFG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | CFG | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | 11.30% | -4.60 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.74% | 0.63% | +2.11 | CFG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.7 | 67.7 | -24.00 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 1.06 | +0.04 | CFG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.0x | 34.0x | -20.00 | CFG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $26.75B | $738.98B | -$712.24B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFG REV | V REV | CFG GROSS % | V GROSS % | CFG FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.64B | $40.00B | — | — | $2.14B | $21.26B |
| FY 2024 | $1.53B | $35.93B | — | — | $1.93B | $18.33B |
| FY 2023 | $1.27B | $32.65B | — | — | $2.90B | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFG // BETA 1.10
V // BETA 1.06