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ICMB vs V

ICMB
Investcorp Credit Management BDC, Inc.
BEARISH
Price
$1.72
Market Cap
$24.8M
Sector
Financial Services
AI Confidence
95%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ICMB
--
V
28.35
Forward P/E
ICMB
11.47
V
20.79
P/B Ratio
ICMB
0.4
V
15.09
P/S Ratio
ICMB
1.43
V
14.08
EV/EBITDA
ICMB
--
V
20.06

Profitability

Gross Margin
ICMB
100.0%
V
97.78%
Operating Margin
ICMB
56.33%
V
68.3%
Profit Margin
ICMB
-50.86%
V
50.23%
ROE
ICMB
-12.74%
V
53.95%
ROA
ICMB
3.36%
V
18.36%

Growth

Revenue Growth
ICMB
-13.6%
V
14.6%
Earnings Growth
ICMB
--
V
17.4%

Financial Health

Debt/Equity
ICMB
2.01
V
0.55
Current Ratio
ICMB
4.1
V
1.11
Quick Ratio
ICMB
1.43
V
0.72

Dividends

Dividend Yield
ICMB
30.23%
V
0.89%
Payout Ratio
ICMB
160.0%
V
22.91%

AI Verdict

ICMB BEARISH

ICMB exhibits severe financial distress, anchored by a weak Piotroski F-Score of 2/9 and a technical trend of 0/100. While the stock trades at a deep discount to book value (P/B 0.40), this is likely a value trap given the negative ROE (-12.74%) and a catastrophic Q/Q revenue decline of -1331.16%. The dividend yield of 30.23% is fundamentally unsustainable with a payout ratio of 160%, indicating the company is returning more capital than it earns. Consistent earnings misses (0/4 in the last year) further signal a deteriorating operational trajectory.

Strengths
Deep discount to book value (P/B 0.40)
Strong short-term liquidity (Current Ratio 4.10)
Positive Return on Assets (ROA 3.36%)
Risks
Unsustainable dividend payout ratio (160%)
Extreme revenue volatility and decline (Q/Q -1331.16%)
Weak financial health baseline (Piotroski 2/9)
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

ICMB vs V: Head-to-Head Comparison

This page compares Investcorp Credit Management BDC, Inc. (ICMB) 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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