BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
CNF
CNFinance Holdings Limited
There isn't enough reported data to score CNF yet.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
CNF Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
CNF's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like CNF.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
CNF PE Valuation
CNF has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over CNF on the outlook, with more favorable earnings and profitability expectations.
CNF Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect CNF's revenue to grow, but its earnings to decline.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC has the edge over CNF in the latest year-over-year earnings comparison.
CNF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$0.05 | -225% |
| Q4 2024 | $0.04 | -76% |
| Q4 2023 | $0.17 | +31% |
| Q4 2022 | $0.13 | +63% |
| Q4 2021 | $0.08 | -33% |
| Q4 2020 | $0.12 | -78% |
| Q4 2019 | $0.54 | -42% |
| Q4 2018 | $0.93 | -96% |
CNF has swung to a loss: it lost $0.05 per share over the past year, after a profit the year before.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC has the edge over CNF in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
CNF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $16.8M | -84% |
| Q4 2024 | $106.4M | -31% |
| Q4 2023 | $153.9M | +201% |
| Q4 2022 | $51.2M | -66% |
| Q4 2021 | $151.1M | -9.6% |
| Q4 2020 | $167.1M | -38% |
| Q4 2019 | $268.4M | -23% |
| Q4 2018 | $350.9M | +118% |
CNF's revenue has slid since its 2018 peak: $17M last quarter, down 82% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -164% | N/A |
| Q4 2024 | -56% | -66 points |
| Q4 2023 | -37% | -52 points |
| Q4 2021 | 9.3% | -15 points |
| Q4 2020 | 15% | -6.5 points |
| Q4 2019 | 40% | +16 points |
| Q4 2018 | 50% | +23 points |
| Q4 2017 | 24% | N/A |
CNF's operating margin was −164% last quarter, down 178 points from the same quarter a year ago, near the bottom of its range since 2017.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
CNF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $12.1M | -89% |
| Q4 2024 | $112.4M | -53% |
| Q4 2023 | $238.8M | +$258.7M |
| Q4 2022 | -$19.9M | -119% |
| Q4 2021 | $102.9M | -39% |
| Q4 2020 | $167.5M | -14% |
| Q4 2019 | $194.3M | -1.8% |
| Q4 2018 | $197.8M | +$197.8M |
CNF's free cash flow was $343M over the past year, down 44% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CNF.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over CNF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
CNF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +969% | +1.2B shares |
| 1 year | +812% | +1.2B shares |
| 3 years | +43731% | +1.4B shares |
CNF has 1.4B diluted shares, up 812% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $267,453 |
| Q4 2024 | $686,629 |
| Q4 2023 | $4.6M |
| Q4 2017 | — |
| Q3 2017 | — |
| Q2 2017 | — |
| Q1 2017 | — |
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
CNF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2021 | 59.5x | High |
| Q4 2017 | 17.7x | High |
CNF's net debt is more than 20 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like CNF.
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
CNF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.2 | Neutral |
| Stochastic | 52.3 | Neutral |
CNF's weekly RSI is 34 (neutral) and its Stochastic is 52 (neutral).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
CNF PE vs Financial Services Sector
CNF has no meaningful PE right now: it lost money over the past year.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has the edge over CNF on trend strength, trading above more of its moving averages.
CNF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.93 | 3.1% below |
| 20 week MA | $2.16 | 13% below |
| 50 week MA | $3.50 | 47% below |
| 100 week MA | $5.29 | 65% below |
| 200 week MA | $13.3 | 86% below |
CNF is in a downtrend: it's below all five of its weekly moving averages, and 86% below its 200-week average.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has the edge over CNF on returns for 2026, with the stronger performance.
CNF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $50.2 | $37.0 | -26% |
| 2021 | $37.0 | $29.9 | -19% |
| 2022 | $29.9 | $17.4 | -42% |
| 2023 | $17.4 | $22.2 | +28% |
| 2024 | $22.2 | $9.40 | -58% |
| 2025 | $9.40 | $6.24 | -34% |
| 2026 YTD | $6.24 | $1.87 | -70% |
CNF has finished lower in five of the last six years. It's down 70% so far in 2026.