No connection

Search Results

FRME vs V

FRME
First Merchants Corporation
NEUTRAL
Price
$40.36
Market Cap
$2.56B
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
FRME
10.62
V
28.35
Forward P/E
FRME
8.9
V
20.79
P/B Ratio
FRME
0.94
V
15.09
P/S Ratio
FRME
3.99
V
14.08
EV/EBITDA
FRME
--
V
20.06

Profitability

Gross Margin
FRME
0.0%
V
97.78%
Operating Margin
FRME
42.7%
V
68.3%
Profit Margin
FRME
35.22%
V
50.23%
ROE
FRME
9.47%
V
53.95%
ROA
FRME
1.21%
V
18.36%

Growth

Revenue Growth
FRME
-4.6%
V
14.6%
Earnings Growth
FRME
-10.9%
V
17.4%

Financial Health

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

Dividends

Dividend Yield
FRME
3.57%
V
0.89%
Payout Ratio
FRME
36.86%
V
22.91%

AI Verdict

FRME NEUTRAL

FRME presents as a classic value play with a stable Piotroski F-Score of 4/9 and a Graham Number of $60.54, suggesting the stock is significantly undervalued relative to its defensive fair value. However, this value is offset by negative year-over-year revenue (-4.60%) and earnings growth (-10.90%), alongside a bearish technical trend and insider selling. While the company consistently beats earnings estimates and maintains a healthy dividend payout ratio, the disconnect between its intrinsic value ($26.6) and current price ($40.36) indicates a lack of growth catalysts.

Strengths
Trading below book value (P/B 0.94)
Strong historical track record of earnings beats (3/4 last 4 quarters)
Low P/E ratio (10.62) compared to sector average
Risks
Negative YoY revenue and earnings growth
Bearish insider sentiment with recent selling activity
Technical trend is currently 0/100 (Bearish)
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

FRME vs V: Head-to-Head Comparison

This page compares First Merchants Corporation (FRME) 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.

Home
Terminal
AI
Markets
Profile