COMP <GO>
CFR vs V // PIOTROSKI F-SCORE QUALITY
Cullen/Frost Bankers Inc. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: CFR 6
— V 6
▲ PIOTROSKI F-SCORE QUALITY LEADER: V
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
piotroski-score
7/9
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
piotroski-score
9/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | 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 | 26.0x | 28.9x | -2.90 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 2.90% | -1.60 | V | /fcf-yield <GO> |
| Operating Margin | 75.00% | 60.00% | +15.00 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 11.30% | +3.10 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 0.63% | +1.97 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 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 | 54.0 | 67.7 | -13.70 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 1.06 | -0.13 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 34.0x | -21.30 | CFR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.80B | $738.98B | -$729.18B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | V REV | CFR GROSS % | V GROSS % | CFR FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $40.00B | — | — | $127.3M | $21.26B |
| FY 2024 | $106.2M | $35.93B | — | — | $861.8M | $18.33B |
| FY 2023 | $93.5M | $32.65B | — | — | $474.6M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
V // BETA 1.06