COMP <GO>
FISV vs TCOM // ALTMAN Z-SCORE & DEBT/EQUITY
Fiserv Inc. (NASDAQ) VS. Trip.com Group Limited (NASDAQ) • 15-METRIC TALLY: FISV 7
— TCOM 5
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: TCOM
LAST: $50.02 (+3.18%) • MKT CAP: $25.78B
balance-sheet
1.27
LAST: $39.59 (+2.67%) • MKT CAP: $24.28B
balance-sheet
2.05
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FISV VS. TCOM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FISV | TCOM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 80.60% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.60% | 8.80% | +0.80 | FISV | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.5x | 8.6x | -2.10 | FISV | /valuation <GO> |
| Free Cash Flow Yield | 16.68% | 8.01% | +8.67 | FISV | /fcf-yield <GO> |
| Operating Margin | 27.50% | 25.30% | +2.20 | FISV | /operating-margins <GO> |
| Net Profit Margin | 16.40% | 53.40% | -37.00 | TCOM | /net-margins <GO> |
| Revenue Growth (YoY) | 3.60% | 22.20% | -18.60 | TCOM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.84% | -0.84 | TCOM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.27 | 2.05 | -0.78 | TCOM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.9 | 42.9 | +9.00 | FISV | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.11 | +0.05 | FISV | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.9x | 4.3x | +2.60 | TCOM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.78B | $24.28B | $1.50B | FISV | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FISV REV | TCOM REV | FISV GROSS % | TCOM GROSS % | FISV FCF | TCOM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $21.19B | $8.93B | — | 80.6% | $4.30B | $1.95B |
| FY 2024 | $20.46B | $7.30B | — | 81.3% | $5.06B | $2.61B |
| FY 2023 | $19.09B | $6.27B | — | — | $4.30B | $2.82B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FISV // BETA 1.16
TCOM // BETA 1.11