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RAND vs V

RAND
Rand Capital Corporation
BEARISH
Price
$10.80
Market Cap
$32.1M
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
RAND
--
V
28.35
Forward P/E
RAND
--
V
20.79
P/B Ratio
RAND
0.61
V
15.09
P/S Ratio
RAND
4.95
V
14.08
EV/EBITDA
RAND
5.14
V
20.06

Profitability

Gross Margin
RAND
100.0%
V
97.78%
Operating Margin
RAND
50.17%
V
68.3%
Profit Margin
RAND
-124.17%
V
50.23%
ROE
RAND
-13.68%
V
53.95%
ROA
RAND
5.37%
V
18.36%

Growth

Revenue Growth
RAND
-39.9%
V
14.6%
Earnings Growth
RAND
--
V
17.4%

Financial Health

Debt/Equity
RAND
--
V
0.55
Current Ratio
RAND
7.53
V
1.11
Quick Ratio
RAND
7.04
V
0.72

Dividends

Dividend Yield
RAND
10.74%
V
0.89%
Payout Ratio
RAND
51.48%
V
22.91%

AI Verdict

RAND BEARISH

RAND exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a completely bearish technical trend (0/100). While the stock trades at a discount to book value (P/B 0.61), this is offset by a catastrophic profit margin of -124.17% and a significant revenue contraction of -39.90% YoY. The high dividend yield of 10.74% appears unsustainable given the lack of earnings growth and negative ROE. Overall, the data suggests a value trap where low valuation metrics are a reflection of deteriorating fundamental health.

Strengths
Strong short-term liquidity with a Current Ratio of 7.53
Trading significantly below book value (P/B 0.61)
High dividend yield of 10.74%
Risks
Critical financial health failure indicated by Piotroski F-Score (2/9)
Severe revenue decline of -39.90% YoY
Deeply negative profit margins (-124.17%)
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

RAND vs V: Head-to-Head Comparison

This page compares Rand Capital Corporation (RAND) 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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