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.
EARN
Ellington Credit Company
There isn't enough reported data to score EARN 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.
EARN Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
EARN'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 EARN.
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.
EARN PE Valuation
EARN 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
EARN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Decline | |
| -- | |
| Limited | |
| High |
Analysts expect EARN's revenue to decline, with its earnings and profitability holding steady.
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 EARN on earnings quality, reporting a profit while its opponent remains loss making.
EARN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.91 | — |
| Q2 2026 | -$0.97 | -639% |
| Q1 2026 | -$1.01 | -$0.86 |
| Q4 2025 | -$0.38 | -236% |
| Q3 2025 | $0.09 | -92% |
| Q2 2025 | $0.18 | -14% |
| Q1 2025 | -$0.15 | -144% |
| Q4 2024 | $0.28 | -9.7% |
| Q3 2024 | $1.17 | +192% |
EARN has swung to a loss: it lost $0.97 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 EARN 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.
EARN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $11.8M | -0.7% |
BAC has the edge over EARN in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 130% | +30 points |
| Q1 2026 | -224% | N/A |
| Q4 2025 | -131% | N/A |
| Q3 2025 | 41% | N/A |
| Q2 2025 | 100% | N/A |
EARN has the edge over BAC on profitability, with a higher operating margin.
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.
EARN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | -100% |
| Q1 2026 | $0 | -100% |
| Q4 2025 | $0 | -100% |
| Q3 2025 | $182.1M | +5517% |
| Q2 2025 | $182.1M | +6718% |
| Q1 2025 | $9.2M | +$10.4M |
| Q4 2024 | $4.4M | +$6.7M |
| Q3 2024 | $3.2M | +$6.6M |
EARN has the edge over BAC on cash flow, with more consistent year-over-year improvement.
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 EARN 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.
EARN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +47K shares |
| 1 year | +8.1% | +2.8M shares |
| 3 years | +186% | +24.5M shares |
| 5 years | +205% | +25.3M shares |
| Available history | +202% | +25.2M shares |
EARN has 38M diluted shares, up 8.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $978,000 |
| Q4 2023 | — |
| Q3 2023 | — |
EARN hasn't bought back shares in the past year.
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.
EARN Net Leverage
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).
EARN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 23.1 | Oversold |
| Stochastic | 12.4 | Oversold |
EARN's weekly RSI is 23 (oversold) and its Stochastic is 12 (oversold).
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.
EARN PE vs Financial Services Sector
| Metric | EARN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
EARN 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 EARN on trend strength, trading above more of its moving averages.
EARN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.59 | 11% below |
| 20 week MA | $4.06 | 21% below |
| 50 week MA | $4.58 | 30% below |
| 100 week MA | $5.18 | 38% below |
| 200 week MA | $5.97 | 46% below |
EARN is in a downtrend: it's below all five of its weekly moving averages, and 46% 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 EARN on returns for 2026, with the stronger performance.
EARN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.4 | $12.6 | +11% |
| 2021 | $12.6 | $10.8 | -14% |
| 2022 | $10.8 | $7.24 | -33% |
| 2023 | $7.24 | $6.13 | -15% |
| 2024 | $6.13 | $6.65 | +8.5% |
| 2025 | $6.65 | $5.33 | -20% |
| 2026 YTD | $5.33 | $3.21 | -40% |
EARN has finished lower in four of the last six years. It's down 40% so far in 2026.