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KRNY vs V

KRNY
Kearny Financial Corp.
NEUTRAL
Price
$8.03
Market Cap
$504.9M
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
KRNY
15.44
V
28.35
Forward P/E
KRNY
9.34
V
20.79
P/B Ratio
KRNY
0.67
V
15.09
P/S Ratio
KRNY
3.1
V
14.08
EV/EBITDA
KRNY
--
V
20.06

Profitability

Gross Margin
KRNY
0.0%
V
97.78%
Operating Margin
KRNY
31.14%
V
68.3%
Profit Margin
KRNY
19.84%
V
50.23%
ROE
KRNY
4.31%
V
53.95%
ROA
KRNY
0.42%
V
18.36%

Growth

Revenue Growth
KRNY
15.0%
V
14.6%
Earnings Growth
KRNY
50.0%
V
17.4%

Financial Health

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

Dividends

Dividend Yield
KRNY
5.48%
V
0.89%
Payout Ratio
KRNY
84.62%
V
22.91%

AI Verdict

KRNY NEUTRAL

KRNY presents a classic value-trap profile, characterized by a stable Piotroski F-Score of 4/9 and a significant discount to both its Graham Number ($11.87) and Intrinsic Value ($15.34). While the stock trades at a deep discount to book value (P/B 0.67) and shows strong YoY earnings growth of 50%, these fundamentals are offset by poor capital efficiency (ROE 4.31%) and a bearish technical trend. The high dividend payout ratio of 84.62% suggests limited room for dividend growth and potential sustainability risks if earnings volatility increases.

Strengths
Deep value valuation with P/B ratio of 0.67
Trading significantly below Graham Number ($11.87) and Intrinsic Value ($15.34)
Strong YoY earnings growth of 50.00%
Risks
Very low Return on Equity (ROE) of 4.31% indicating poor capital efficiency
High dividend payout ratio (84.62%) limiting reinvestment and safety
Bearish insider sentiment with recent selling activity
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

KRNY vs V: Head-to-Head Comparison

This page compares Kearny Financial Corp. (KRNY) 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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