COMP <GO>

HYNE vs V // RETURN ON INVESTED CAPITAL (ROIC)

Hoyne Bancorp Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: HYNE 1 — V 5

▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: V

LAST: $18.93 (+0.69%) • MKT CAP: $152.2M

roic

0.10%

LAST: $425.51 (+2.88%) • MKT CAP: $738.98B

roic

32.30%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HYNE VS. V) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	HYNE	V	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC) ACTIVE	0.10%	32.30%	-32.20	V	/roic <GO>
EV/EBITDA & P/E Valuation	—	28.9x	—	TIE	/valuation <GO>
Free Cash Flow Yield	0.13%	2.90%	-2.77	V	/fcf-yield <GO>
Operating Margin	—	60.00%	—	TIE	/operating-margins <GO>
Net Profit Margin	—	50.10%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	11.30%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.63%	-0.63	V	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	9.09	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	9/9	-4.00	V	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	79.4	67.7	+11.70	HYNE	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	1.06	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	34.0x	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$152.2M	$738.98B	-$738.83B	V	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	HYNE REV	V REV	HYNE GROSS %	V GROSS %	HYNE FCF	V FCF
FY 2025	$205.5M	$40.00B	—	—	$202.0K	$21.26B
FY 2024	$188.8M	$35.93B	—	—	-$3.8M	$18.33B
FY 2023	—	$32.65B	—	—	—	$19.29B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

HYNE // BETA —

V // BETA 1.06