COMP <GO>

RF vs V // 10Y YIELD & FRED MACRO BETA

Regions Financial Corporation (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: RF 3 — V 8

■ METRIC PARITY

LAST: $28.97 (+1.40%) • MKT CAP: $24.34B

macro-sensitivity

1.06

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

macro-sensitivity

1.06

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

INSTITUTIONAL METRIC	RF	V	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	0.10%	32.30%	-32.20	V	/roic <GO>
EV/EBITDA & P/E Valuation	95.0x	28.9x	+66.10	V	/valuation <GO>
Free Cash Flow Yield	7.60%	2.90%	+4.70	RF	/fcf-yield <GO>
Operating Margin	0.80%	60.00%	-59.20	V	/operating-margins <GO>
Net Profit Margin	31.30%	50.10%	-18.80	V	/net-margins <GO>
Revenue Growth (YoY)	9.90%	11.30%	-1.40	V	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	3.71%	0.63%	+3.08	RF	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	9.09	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	8/9	9/9	-1.00	V	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	55.2	67.7	-12.50	V	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta ACTIVE	1.06	1.06	0.00	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	10.6x	34.0x	-23.40	RF	/forward-pe <GO>
Enterprise Scale & Market Cap	$24.34B	$738.98B	-$714.64B	V	/market-cap <GO>

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

FISCAL YEAR	RF REV	V REV	RF GROSS %	V GROSS %	RF FCF	V FCF
FY 2025	$148.4M	$40.00B	—	—	$2.18B	$21.26B
FY 2024	$266.0M	$35.93B	—	—	$1.60B	$18.33B
FY 2023	$593.6M	$32.65B	—	—	$2.31B	$19.29B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

RF // BETA 1.06

V // BETA 1.06