COMP <GO>
ZION vs V // 10Y YIELD & FRED MACRO BETA
Zions Bancorporation N.A. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: ZION 6
— V 6
▲ 10Y YIELD & FRED MACRO BETA LEADER: V
LAST: $66.38 (+1.55%) • MKT CAP: $9.69B
macro-sensitivity
0.90
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
macro-sensitivity
1.06
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ZION VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ZION | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.80% | 32.30% | -29.50 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 27.7x | 28.9x | -1.20 | ZION | /valuation <GO> |
| Free Cash Flow Yield | 9.85% | 2.90% | +6.95 | ZION | /fcf-yield <GO> |
| Operating Margin | 75.00% | 60.00% | +15.00 | ZION | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | ZION | /net-margins <GO> |
| Revenue Growth (YoY) | 3.10% | 11.30% | -8.20 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.76% | 0.63% | +2.13 | ZION | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 9/9 | -2.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.8 | 74.2 | -16.40 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.90 | 1.06 | -0.16 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.0x | 34.0x | -24.00 | ZION | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.69B | $760.28B | -$750.59B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ZION REV | V REV | ZION GROSS % | V GROSS % | ZION FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $529.0M | $40.00B | — | — | $952.0M | $21.26B |
| FY 2024 | $513.0M | $35.93B | — | — | $1.05B | $18.33B |
| FY 2023 | $503.0M | $32.65B | — | — | $862.4M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ZION // BETA 0.90
V // BETA 1.06