COMP <GO>

KRNY vs V // 10Y YIELD & FRED MACRO BETA

Kearny Financial Corp (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: KRNY 3 — V 4

■ METRIC PARITY

LAST: $9.36 (+2.63%) • MKT CAP: $607.7M

macro-sensitivity

—

LAST: $425.51 (+2.88%) • MKT CAP: $760.28B

macro-sensitivity

1.06

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (KRNY VS. V) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	KRNY	V	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	3.40%	32.30%	-28.90	V	/roic <GO>
EV/EBITDA & P/E Valuation	—	28.9x	—	TIE	/valuation <GO>
Free Cash Flow Yield	3.57%	2.90%	+0.67	KRNY	/fcf-yield <GO>
Operating Margin	—	60.00%	—	TIE	/operating-margins <GO>
Net Profit Margin	—	50.10%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	11.30%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	4.61%	0.63%	+3.98	KRNY	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	9.09	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	9/9	-5.00	V	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	55.5	74.2	-18.70	V	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta ACTIVE	—	1.06	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	21.4x	34.0x	-12.60	KRNY	/forward-pe <GO>
Enterprise Scale & Market Cap	$607.7M	$760.28B	-$759.67B	V	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	KRNY REV	V REV	KRNY GROSS %	V GROSS %	KRNY FCF	V FCF
FY 2025	$3.20B	$40.00B	—	—	$21.4M	$21.26B
FY 2024	$3.25B	$35.93B	—	—	$42.6M	$18.33B
FY 2023	$264.3M	$32.65B	—	—	$69.5M	$19.29B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

KRNY // BETA —

V // BETA 1.06