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HRZN vs V

HRZN
Horizon Technology Finance Corporation
BEARISH
Price
$4.52
Market Cap
$216.1M
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
HRZN
--
V
28.35
Forward P/E
HRZN
5.95
V
20.79
P/B Ratio
HRZN
0.65
V
15.09
P/S Ratio
HRZN
2.25
V
14.08
EV/EBITDA
HRZN
--
V
20.06

Profitability

Gross Margin
HRZN
100.0%
V
97.78%
Operating Margin
HRZN
78.47%
V
68.3%
Profit Margin
HRZN
-2.77%
V
50.23%
ROE
HRZN
-0.81%
V
53.95%
ROA
HRZN
5.99%
V
18.36%

Growth

Revenue Growth
HRZN
-12.2%
V
14.6%
Earnings Growth
HRZN
--
V
17.4%

Financial Health

Debt/Equity
HRZN
1.49
V
0.55
Current Ratio
HRZN
1.56
V
1.11
Quick Ratio
HRZN
1.53
V
0.72

Dividends

Dividend Yield
HRZN
25.66%
V
0.89%
Payout Ratio
HRZN
224.56%
V
22.91%

AI Verdict

HRZN BEARISH

HRZN exhibits severe financial deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a bearish technical trend of 0/100. While the stock trades at a discount to book value (P/B 0.65), this is offset by negative revenue growth (-12.20%) and a catastrophic dividend payout ratio of 224.56%. The company is effectively paying out more than it earns, signaling an imminent dividend cut. Despite a modest analyst target of $5.50, the fundamental trajectory is sharply negative.

Strengths
Trading significantly below book value (P/B 0.65)
Low forward P/E ratio of 5.95
Positive Return on Assets (ROA) of 5.99%
Risks
Unsustainable dividend payout ratio (224.56%) indicating a high risk of dividend cuts
Weak financial health as evidenced by a Piotroski F-Score of 2/9
Negative revenue growth (-12.20% YoY) and declining EPS
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

HRZN vs V: Head-to-Head Comparison

This page compares Horizon Technology Finance Corporation (HRZN) 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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