COMP <GO>
HAFC vs V // NET PROFIT MARGIN
Hanmi Financial Corporation (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: HAFC 5
— V 6
▲ NET PROFIT MARGIN LEADER: V
LAST: $33.36 (+2.49%) • MKT CAP: $989.1M
net-margins
28.20%
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
net-margins
50.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HAFC VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HAFC | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.50% | 32.30% | -24.80 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 12.9x | 28.9x | -16.00 | HAFC | /valuation <GO> |
| Free Cash Flow Yield | 20.97% | 2.90% | +18.07 | HAFC | /fcf-yield <GO> |
| Operating Margin | 28.20% | 60.00% | -31.80 | V | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 28.20% | 50.10% | -21.90 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 15.30% | 11.30% | +4.00 | HAFC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.32% | 0.63% | +2.69 | HAFC | /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 | 63.4 | 74.2 | -10.80 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 34.0x | -23.20 | HAFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $989.1M | $760.28B | -$759.29B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HAFC REV | V REV | HAFC GROSS % | V GROSS % | HAFC FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $270.2M | $40.00B | — | — | $206.0M | $21.26B |
| FY 2024 | $234.4M | $35.93B | — | — | $52.6M | $18.33B |
| FY 2023 | $255.4M | $32.65B | — | — | $109.3M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HAFC // BETA —
V // BETA 1.06