BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
FCFS
FirstCash Holdings, Inc
FCFS has a slight edge over BAC overall, supported by stronger valuation.
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.
FCFS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
FCFS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCFS.
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.
FCFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $182 | — |
| Cheap | 19x | $176 | -2.9% |
| Current | 20x | $182 | — |
| Fair | 22x | $204 | +12% |
| Expensive | 26x | $240 | +32% |
Historical ranges are pointers, not guarantees.
FCFS has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
FCFS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCFS, with profitability improving.
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's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
FCFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.21 | +32% |
| Q3 2026 | $9.23 | +33% |
| Q2 2026 | $8.76 | +35% |
| Q1 2026 | $7.98 | +28% |
| Q4 2025 | $7.42 | +29% |
| Q3 2025 | $6.93 | +28% |
| Q2 2025 | $6.51 | +25% |
| Q1 2025 | $6.25 | +22% |
| Q4 2024 | $5.73 | +19% |
FCFS has the edge over BAC on earnings, with stronger typical year-over-year growth.
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's revenue has grown year over year for 10 quarters in a row: $30B last quarter, up 6.7% from the same quarter a year ago.
| 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 has the edge over FCFS on profitability, with a higher operating margin.
FCFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +18% |
| Q2 2026 | $1.1B | +29% |
| Q1 2026 | $1.1B | +26% |
| Q4 2025 | $1.1B | +20% |
| Q3 2025 | $935.6M | +12% |
| Q2 2025 | $830.6M | 0% |
| Q1 2025 | $836.4M | 0% |
| Q4 2024 | $883.8M | +3.7% |
FCFS's revenue has grown year over year for five quarters in a row: $1.1B last quarter, up 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | +0.6 points |
| Q2 2026 | 12% | +2.1 points |
| Q1 2026 | 14% | +0.5 points |
| Q4 2025 | 13% | +1.1 points |
| Q3 2025 | 12% | +1.8 points |
| Q2 2025 | 9.8% | +1.8 points |
| Q1 2025 | 13% | +3.5 points |
| Q4 2024 | 12% | +1.7 points |
FCFS's operating margin was 13% last quarter, up 0.6 points from the same quarter a year ago.
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.
FCFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $142M | +4.6% |
| Q2 2026 | $176.8M | +51% |
| Q1 2026 | $153.6M | +21% |
| Q3 2025 | $135.8M | +20% |
| Q2 2025 | $116.9M | +10% |
| Q1 2025 | $126.6M | +3.4% |
| Q3 2024 | $113.1M | +1.5% |
| Q2 2024 | $106.2M | +12% |
FCFS's free cash flow was $608M over the past year, up 31% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCFS.
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 FCFS 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.
FCFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -701K shares |
| 1 year | -2.6% | -1.1M shares |
| 3 years | -4.5% | -2M shares |
| 5 years | +7% | +2.8M shares |
| Available history | +1.3% | +575K shares |
FCFS has 43M diluted shares, down 2.6% from a year ago, with $277M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $134.2M |
| Q2 2026 | $66.9M |
| Q1 2026 | $50M |
| Q4 2025 | $25.4M |
| Q3 2025 | $30M |
| Q2 2025 | $850,000 |
| Q1 2025 | $59.6M |
| Q4 2024 | — |
FCFS spent $277M buying back its own shares over the past year, about three times what it spent the year before.
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.
FCFS 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).
FCFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.3 | Neutral |
| Stochastic | 16.4 | Oversold |
FCFS's weekly RSI is 39 (neutral) and its Stochastic is 16 (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 has the edge over FCFS on valuation relative to its sector.
FCFS PE vs Financial Services Sector
| Metric | FCFS | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 51% above |
| PE % | 21 | 63 | 42 pts below |
FCFS is trading at 20x earnings, a 51% premium to the Financial Services sector's median of 13x.
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 fallen below most of its moving averages, though it's still 19% above its 200-week average.
FCFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $197.3 | 7.9% below |
| 20 week MA | $208.3 | 13% below |
| 50 week MA | $199.6 | 9% below |
| 100 week MA | $165.4 | 9.9% above |
| 200 week MA | $135.7 | 34% above |
FCFS has the edge over BAC on trend strength, trading above more of its moving averages.
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 finished higher in four of the last six years. It's down 10% so far in 2026.
FCFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $80.8 | $70.1 | -13% |
| 2021 | $70.1 | $69.9 | -0.2% |
| 2022 | $69.9 | $87.9 | +26% |
| 2023 | $87.9 | $108.4 | +23% |
| 2024 | $108.4 | $103.1 | -4.9% |
| 2025 | $103.1 | $161.0 | +56% |
| 2026 YTD | $161.0 | $181.7 | +13% |
FCFS has the edge over BAC on returns for 2026, with the stronger performance.