WallStSmart

Johnson Controls International PLC (JCI)vsVisa Inc. Class A (V)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Visa Inc. Class A generates 80% more annual revenue ($43.03B vs $23.97B). V leads profitability with a 51.7% profit margin vs 14.2%. V appears more attractively valued with a PEG of 1.72. V earns a higher WallStSmart Score of 72/100 (B).

JCI

Buy

57

out of 100

Grade: C

Growth: 6.7Profit: 6.0Value: 3.7Quality: 4.3
Piotroski: 5/9Altman Z: 1.11

V

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 4/9Altman Z: 1.84

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JCI2 strengths · Avg: 8.5/10
Market CapQuality
$88.38B9/10

Large-cap with strong market position

EPS GrowthGrowth
34.2%8/10

Earnings expanding 34.2% YoY

V6 strengths · Avg: 9.3/10
Market CapQuality
$623.83B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
60.4%10/10

Every $100 of equity generates 60 in profit

Profit MarginProfitability
51.7%10/10

Keeps 52 of every $100 in revenue as profit

Operating MarginProfitability
67.3%10/10

Strong operational efficiency at 67.3%

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
35.5%8/10

Earnings expanding 35.5% YoY

Areas to Watch

JCI3 concerns · Avg: 2.0/10
PEG RatioValuation
2.632/10

Expensive relative to growth rate

P/E RatioValuation
48.8x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.112/10

Distress zone — elevated risk

V4 concerns · Avg: 4.0/10
PEG RatioValuation
1.724/10

Expensive relative to growth rate

P/E RatioValuation
28.6x4/10

Moderate valuation

Price/BookValuation
15.9x4/10

Trading at 15.9x book value

Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : JCI

The strongest argument for JCI centers on Market Cap, EPS Growth.

Bull Case : V

The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.

Bear Case : JCI

The primary concerns for JCI are PEG Ratio, P/E Ratio, Altman Z-Score. A P/E of 48.8x leaves little room for execution misses.

Bear Case : V

The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.

Key Dynamics to Monitor

JCI profiles as a value stock while V is a growth play — different risk/reward profiles.

JCI carries more volatility with a beta of 1.39 — expect wider price swings.

V is growing revenue faster at 17.1% — sustainability is the question.

V generates stronger free cash flow (2.6B), providing more financial flexibility.

Bottom Line

V scores higher overall (72/100 vs 57/100), backed by strong 51.7% margins and 17.1% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Johnson Controls International PLC

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Johnson Controls International plc is an Irish-domiciled multinational conglomerate headquartered in Cork, Ireland, that produces fire, HVAC, and security equipment for buildings.

Visa Inc. Class A

FINANCIAL SERVICES · CREDIT SERVICES · USA

Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.

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