COMP <GO>
PROV vs V // PIOTROSKI F-SCORE QUALITY
Provident Financial Holdings Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: PROV 3
— V 4
▲ PIOTROSKI F-SCORE QUALITY LEADER: V
LAST: $18.17 (0.00%) • MKT CAP: $112.6M
piotroski-score
4/9
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
piotroski-score
9/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PROV VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PROV | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.90% | 32.30% | -27.40 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.23% | 2.90% | +4.33 | PROV | /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 | 3.34% | 0.63% | +2.71 | PROV | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 4/9 | 9/9 | -5.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.4 | 67.7 | -21.30 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.7x | 34.0x | -17.30 | PROV | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $112.6M | $738.98B | -$738.87B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PROV REV | V REV | PROV GROSS % | V GROSS % | PROV FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $515.7M | $40.00B | — | — | $8.2M | $21.26B |
| FY 2024 | $527.1M | $35.93B | — | — | $4.1M | $18.33B |
| FY 2023 | $62.0M | $32.65B | — | — | $16.3M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PROV // BETA —
V // BETA 1.06