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ETOR vs FRME

ETOR
eToro Group Ltd.
NEUTRAL
Price
$31.04
Market Cap
$2.6B
Sector
Financial Services
AI Confidence
90%
FRME
First Merchants Corporation
NEUTRAL
Price
$41.47
Market Cap
$2.63B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ETOR
13.04
FRME
10.53
Forward P/E
ETOR
10.1
FRME
9.14
P/B Ratio
ETOR
1.84
FRME
0.97
P/S Ratio
ETOR
0.19
FRME
4.1
EV/EBITDA
ETOR
--
FRME
--

Profitability

Gross Margin
ETOR
2.81%
FRME
0.0%
Operating Margin
ETOR
1.69%
FRME
42.7%
Profit Margin
ETOR
1.57%
FRME
35.22%
ROE
ETOR
19.37%
FRME
9.47%
ROA
ETOR
14.46%
FRME
1.21%

Growth

Revenue Growth
ETOR
-33.9%
FRME
-4.6%
Earnings Growth
ETOR
-4.7%
FRME
-10.9%

Financial Health

Debt/Equity
ETOR
0.04
FRME
--
Current Ratio
ETOR
4.3
FRME
--
Quick Ratio
ETOR
3.3
FRME
--

Dividends

Dividend Yield
ETOR
--
FRME
3.53%
Payout Ratio
ETOR
0.0%
FRME
36.86%

AI Verdict

ETOR NEUTRAL

ETOR shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 13.0
Low debt with D/E ratio of 0.04
Strong ROE of 19.4%
Risks
Low profit margin of 1.6%
Declining revenue (-33.9%)
FRME NEUTRAL

FRME presents as a classic value play with a stable Piotroski F-Score of 4/9, trading at a discount to its Graham Number ($61.18) and slightly below book value (P/B 0.97). While the company maintains a strong track record of earnings beats and a sustainable dividend, it is currently hampered by negative year-over-year revenue (-4.60%) and earnings growth (-10.90%). The valuation attractiveness is offset by bearish insider sentiment and a very weak technical trend, suggesting a period of stagnation or a potential value trap if growth does not pivot.

Strengths
Trading below book value (P/B 0.97)
Low P/E ratio (10.53) relative to sector averages
Strong historical earnings track record with consistent beats
Risks
Negative YoY revenue and earnings growth
Bearish insider activity with multiple sales and zero buys
Very weak technical trend (10/100)

Compare Another Pair

ETOR vs FRME: Head-to-Head Comparison

This page compares eToro Group Ltd. (ETOR) and First Merchants Corporation (FRME) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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