COMP <GO>
RM vs V // OPERATING MARGIN
Regional Management Corp. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: RM 1
— V 7
■ METRIC PARITY
LAST: $39.21 (+8.02%) • MKT CAP: $334.9M
operating-margins
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
operating-margins
60.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RM VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RM | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 32.30% | -20.40 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.90% | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 6.90% | 50.10% | -43.20 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 9.70% | 11.30% | -1.60 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /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 | 66.7 | 67.7 | -1.00 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.0x | 34.0x | -27.00 | RM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $334.9M | $738.98B | -$738.65B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RM REV | V REV | RM GROSS % | V GROSS % | RM FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $645.6M | $40.00B | — | — | $304.3M | $21.26B |
| FY 2024 | $588.5M | $35.93B | — | — | $263.9M | $18.33B |
| FY 2023 | $551.4M | $32.65B | — | — | $249.2M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RM // BETA —
V // BETA 1.06