*Puts physiology PhD hat on*
Without getting into the maths of it – smaller (female) heart needs to pump more fluid (blood) at exercise than a larger (male) heart. Two ways to do this – a)increase pumping rate (HR) b)increase ejection fraction (volume of blood).
If, you were both the same size + muscle mass + trained status + sex – you could do some comparison and be a bit worried – but your not, so don’t.
If you’re really worried – go talk to a cardiologist. Personally, I wouldn’t.
*puts rambling wanna be bike journo hat back on*
Bikes are shiny. WEEEEE!!! *crash*
There is a reason I still work as a scientist.