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.
FOA
Finance Of America Companies Inc.
There isn't enough reported data to score FOA 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.
FOA Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
FOA'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 FOA.
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.
FOA PE Valuation
FOA 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 FOA on the outlook, with more favorable revenue expectations.
FOA Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Low |
Analysts expect FOA's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
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.
FOA Earnings Per Share
FOA and BAC do not have enough comparable growth data to identify a winner.
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 FOA 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 has the edge over FOA on profitability, with a higher operating margin.
FOA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $62.5M | -65% |
| Q1 2026 | $120.1M | -27% |
| Q3 2025 | $80.8M | -72% |
| Q2 2025 | $177.4M | +124% |
| Q1 2025 | $165.7M | +122% |
| Q1 2024 | $74.7M | -47% |
| Q4 2023 | $275.7M | +195% |
| Q1 2023 | $140.9M | -47% |
FOA's revenue has slid since its 2021 peak: $62M last quarter, down 65% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -114% | -160 points |
| Q1 2026 | 30% | -19 points |
| Q4 2025 | -30% | N/A |
| Q3 2025 | -35% | -107 points |
| Q2 2025 | 46% | +51 points |
| Q1 2025 | 49% | +70 points |
| Q3 2024 | 72% | N/A |
| Q2 2024 | -4.8% | N/A |
FOA's operating margin was −114% last quarter, down 160 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.
FOA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$183.3M | -$86.8M |
| Q1 2026 | -$130.9M | -$38.8M |
| Q3 2025 | -$149.7M | -$68.4M |
| Q2 2025 | -$96.5M | +$7.5M |
| Q1 2025 | -$92.1M | +$40.6M |
| Q1 2024 | -$132.7M | -160% |
| Q4 2023 | -$61.3M | -118% |
| Q1 2023 | $219.9M | -31% |
FOA's free cash flow was −$555M over the past year, against −$374M the year before. Free cash flow isn't a meaningful measure for financial services companies like FOA.
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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
FOA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -12% | -2.2M shares |
| 1 year | -44% | -13.2M shares |
| 3 years | -11% | -2.1M shares |
FOA has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | $41.6M |
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.
FOA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 7.8x | High |
| Q4 2025 | 1.8x | Healthy |
FOA's net debt is about 7.8 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FOA.
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).
FOA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.9 | Neutral |
| Stochastic | 11.2 | Oversold |
FOA's weekly RSI is 33 (neutral) and its Stochastic is 11 (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.
FOA PE vs Financial Services Sector
FOA 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 FOA on trend strength, trading above more of its moving averages.
FOA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.2 | 10% below |
| 20 week MA | $17.4 | 37% below |
| 50 week MA | $19.5 | 44% below |
| 100 week MA | $21.5 | 49% below |
| 200 week MA | $16.8 | 35% below |
FOA is in a downtrend: it's below all five of its weekly moving averages, and 35% 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 FOA on returns for 2026, with the stronger performance.
FOA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $100.3 | $106.5 | +6.2% |
| 2021 | $106.5 | $39.9 | -63% |
| 2022 | $39.9 | $12.9 | -68% |
| 2023 | $12.9 | $11.0 | -15% |
| 2024 | $11.0 | $27.0 | +146% |
| 2025 | $27.0 | $22.9 | -15% |
| 2026 YTD | $22.9 | $10.9 | -52% |
FOA's yearly returns have swung widely, from +146% in 2024 to −68% in 2022. It's down 52% so far in 2026.