COMP <GO>
PFS vs V // RETURN ON INVESTED CAPITAL (ROIC)
Provident Financial Services Inc (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: PFS 4
— V 5
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: V
LAST: $23.55 (+2.66%) • MKT CAP: $2.99B
roic
10.30%
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
roic
32.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFS VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFS | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 10.30% | 32.30% | -22.00 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 14.25% | 2.90% | +11.35 | PFS | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | PFS | /net-margins <GO> |
| Revenue Growth (YoY) | 7.10% | 11.30% | -4.20 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.17% | 0.63% | +3.54 | PFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.9 | 67.7 | -14.80 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.7x | 34.0x | -24.30 | PFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.99B | $738.98B | -$735.99B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFS REV | V REV | PFS GROSS % | V GROSS % | PFS FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $73.1M | $40.00B | — | — | $430.7M | $21.26B |
| FY 2024 | $68.3M | $35.93B | — | — | $425.1M | $18.33B |
| FY 2023 | $57.5M | $32.65B | — | — | $173.4M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFS // BETA —
V // BETA 1.06