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FBP vs V

FBP
First BanCorp.
NEUTRAL
Price
$23.41
Market Cap
$3.62B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FBP
10.89
V
28.35
Forward P/E
FBP
9.95
V
20.79
P/B Ratio
FBP
1.85
V
15.09
P/S Ratio
FBP
3.88
V
14.08
EV/EBITDA
FBP
--
V
20.06

Profitability

Gross Margin
FBP
0.0%
V
97.78%
Operating Margin
FBP
47.8%
V
68.3%
Profit Margin
FBP
38.22%
V
50.23%
ROE
FBP
19.04%
V
53.95%
ROA
FBP
1.87%
V
18.36%

Growth

Revenue Growth
FBP
8.1%
V
14.6%
Earnings Growth
FBP
21.3%
V
17.4%

Financial Health

Debt/Equity
FBP
--
V
0.55
Current Ratio
FBP
--
V
1.11
Quick Ratio
FBP
--
V
0.72

Dividends

Dividend Yield
FBP
3.25%
V
0.89%
Payout Ratio
FBP
33.49%
V
22.91%

AI Verdict

FBP NEUTRAL

FBP presents a stark contrast between strong profitability and deteriorating operational health, highlighted by a weak Piotroski F-Score of 2/9. While the company maintains a robust ROE of 19.04% and a consistent track record of earnings beats, the low health score and bearish insider sentiment suggest underlying systemic risks. The stock is currently trading slightly below its Graham Number ($24.73), suggesting a defensive value floor, though it remains far below its growth-based intrinsic value of $63.42. Overall, the strong earnings momentum is offset by poor deterministic health metrics and negative insider signals.

Strengths
Strong Return on Equity (ROE) of 19.04%
Consistent earnings beat track record (3/4 last 4 quarters)
Attractive P/E ratio (10.89) relative to sector average
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider activity with net selling in the last 6 months
High PEG ratio (4.15) suggesting growth is expensive relative to earnings
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

FBP vs V: Head-to-Head Comparison

This page compares First BanCorp. (FBP) and Visa Inc. (V) 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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