COMP <GO>
UVSP vs V // EV/EBITDA & P/E VALUATION
Univest Financial Corporation (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: UVSP 3
— V 6
■ METRIC PARITY
LAST: $41.29 (+4.26%) • MKT CAP: $1.09B
valuation
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
valuation
28.9x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UVSP VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UVSP | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.60% | 32.30% | -22.70 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.36% | 2.90% | +6.46 | UVSP | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 27.70% | 50.10% | -22.40 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 9.60% | 11.30% | -1.70 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.34% | 0.63% | +1.71 | UVSP | /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 | 36.4 | 67.7 | -31.30 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.2x | 34.0x | -22.80 | UVSP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.09B | $738.98B | -$737.89B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UVSP REV | V REV | UVSP GROSS % | V GROSS % | UVSP FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $328.1M | $40.00B | — | — | $101.5M | $21.26B |
| FY 2024 | $299.2M | $35.93B | — | — | $75.1M | $18.33B |
| FY 2023 | $296.8M | $32.65B | — | — | $89.7M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UVSP // BETA —
V // BETA 1.06