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HIFS vs V

HIFS
Hingham Institution for Savings
NEUTRAL
Price
$293.24
Market Cap
$640.5M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HIFS
11.85
V
28.35
Forward P/E
HIFS
--
V
20.79
P/B Ratio
HIFS
1.33
V
15.09
P/S Ratio
HIFS
6.23
V
14.08
EV/EBITDA
HIFS
--
V
20.06

Profitability

Gross Margin
HIFS
0.0%
V
97.78%
Operating Margin
HIFS
80.12%
V
68.3%
Profit Margin
HIFS
53.08%
V
50.23%
ROE
HIFS
11.97%
V
53.95%
ROA
HIFS
1.21%
V
18.36%

Growth

Revenue Growth
HIFS
55.1%
V
14.6%
Earnings Growth
HIFS
81.5%
V
17.4%

Financial Health

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

Dividends

Dividend Yield
HIFS
0.86%
V
0.89%
Payout Ratio
HIFS
12.72%
V
22.91%

AI Verdict

HIFS NEUTRAL

HIFS presents a stark contrast between fundamental value and operational health, characterized by a weak Piotroski F-Score of 3/9. While the stock is significantly undervalued relative to its Graham Number ($350.04) and Intrinsic Value ($730.12), the deterministic health markers are concerning. Explosive YoY revenue growth (55.10%) and earnings growth (81.50%) are the primary bullish drivers, but these are heavily offset by bearish insider selling and a 0/100 technical trend.

Strengths
Exceptional YoY revenue growth of 55.10%
Strong earnings growth of 81.50%
Trading at a significant discount to Graham Number ($350.04) and Intrinsic Value ($730.12)
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Strongly bearish insider sentiment with $3.33M in net sales
Bearish technical trend (0/100)
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

HIFS vs V: Head-to-Head Comparison

This page compares Hingham Institution for Savings (HIFS) 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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