COMP <GO>
PFS vs AX // EV/EBITDA & P/E VALUATION
Provident Financial Services Inc (NYSE) VS. Axos Financial Inc. (NYSE) • 15-METRIC TALLY: PFS 6
— AX 2
■ METRIC PARITY
LAST: $23.17 (+0.22%) • MKT CAP: $3.02B
valuation
—
LAST: $92.55 (+1.17%) • MKT CAP: $5.26B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFS VS. AX)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFS | AX | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.30% | 14.80% | -4.50 | AX | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 14.25% | 9.32% | +4.93 | PFS | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 7.10% | 1.80% | +5.30 | PFS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.17% | 0.00% | +4.17 | PFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | PFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 49.4 | +4.60 | PFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.7x | 11.3x | -1.60 | PFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.02B | $5.26B | -$2.24B | AX | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFS REV | AX REV | PFS GROSS % | AX GROSS % | PFS FCF | AX FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $73.1M | $65.8M | — | — | $430.7M | $490.3M |
| FY 2024 | $68.3M | $64.6M | — | — | $425.1M | $305.5M |
| FY 2023 | $57.5M | $65.3M | — | — | $173.4M | $196.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFS // BETA —
AX // BETA —