BAC
Bank of America Corporation
BAC has a slight edge over HAPN overall, supported by lower modeled downside and stronger modeled upside.
HAPN
Happen, Inc. Common Stock
HAPN's outlook is improving, though it still trails on the overall score.
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.
HAPN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HAPN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HAPN.
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.
HAPN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.1x | $15.27 | — |
| Current | 8.5x | $15.27 | — |
| Cheap | 12x | $21.59 | +41% |
| Fair | 23x | $42.16 | +176% |
| Expensive | 29x | $52.47 | +244% |
Historical ranges are pointers, not guarantees.
HAPN 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.
HAPN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HAPN, 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.
HAPN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.16 | +20% |
| Q3 2026 | $1.80 | +105% |
| Q2 2026 | $1.67 | +161% |
| Q1 2026 | $1.50 | +241% |
| Q4 2025 | $1.16 | +158% |
| Q3 2025 | $0.88 | +91% |
| Q2 2025 | $0.64 | +68% |
| Q1 2025 | $0.44 | +29% |
| Q4 2024 | $0.45 | +25% |
HAPN 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 HAPN on profitability, with a higher operating margin.
HAPN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $263.2M | -1.2% |
| Q2 2026 | $262.9M | +5.8% |
| Q1 2026 | $252.3M | +16% |
| Q4 2025 | $266.5M | +23% |
| Q3 2025 | $266.2M | +32% |
| Q2 2025 | $248.4M | +33% |
| Q1 2025 | $217.7M | +20% |
| Q4 2024 | $217.2M | +17% |
HAPN's revenue is growing: $263M last quarter, down 1.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 29% | +7.7 points |
| Q2 2026 | 29% | +7.1 points |
| Q1 2026 | 27% | +20 points |
| Q4 2025 | 19% | +14 points |
| Q3 2025 | 22% | +13 points |
| Q2 2025 | 22% | +11 points |
| Q1 2025 | 7.2% | -1.9 points |
| Q4 2024 | 5.1% | -2.3 points |
HAPN's operating margin was 29% last quarter, up 7.7 points from the same quarter a year ago, near the top of its range since 2019.
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 has the edge over HAPN on cash generation, producing positive trailing cash flow while its opponent burns cash.
HAPN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$709.7M | +$82.1M |
| Q2 2026 | -$600.9M | +$202.9M |
| Q1 2026 | -$644.8M | -$292.5M |
| Q4 2025 | -$919.3M | -$716.8M |
| Q3 2025 | -$791.8M | -$109.6M |
| Q2 2025 | -$803.8M | +$141.5M |
| Q1 2025 | -$352.3M | +$506M |
| Q4 2024 | -$202.6M | +$623.5M |
HAPN's free cash flow was −$2.9B over the past year, against −$2.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like HAPN.
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 HAPN 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.
HAPN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +308K shares |
| 1 year | -0.5% | -606K shares |
| 3 years | +7.8% | +8.5M shares |
HAPN has 118M diluted shares, down 0.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $8.2M |
| Q2 2026 | $7.8M |
| Q1 2026 | $12.6M |
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.
HAPN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -0.1x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
| Q3 2024 | -0.2x | Net Cash |
| Q2 2024 | -0.1x | Net Cash |
| Q1 2024 | 2.5x | Moderate |
| Q4 2023 | -0.1x | Net Cash |
HAPN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HAPN.
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).
HAPN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.0 | Neutral |
| Stochastic | 26.2 | Neutral |
HAPN's weekly RSI is 43 (neutral) and its Stochastic is 26 (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.
HAPN PE vs Financial Services Sector
| Metric | HAPN | Sector median | Relative |
|---|---|---|---|
| PE | 8.5x | 13x | 35% below |
| PE % | 1 | 63 | 62 pts below |
HAPN has the edge over BAC on valuation relative to its sector.
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.
HAPN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.1 | 1% above |
| 20 week MA | $17.2 | 11% below |
| 50 week MA | $17.2 | 11% below |
| 100 week MA | $15.5 | 1.7% below |
| 200 week MA | $12.3 | 24% above |
HAPN 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 the edge over HAPN on returns for 2026, with the stronger performance.
HAPN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.5 | $8.82 | -30% |
| 2021 | $8.82 | $25.8 | +192% |
| 2022 | $25.8 | $8.67 | -66% |
| 2023 | $8.67 | $8.74 | +0.8% |
| 2024 | $8.74 | $16.7 | +91% |
| 2025 | $16.7 | $19.6 | +18% |
| 2026 YTD | $19.6 | $15.3 | -22% |
HAPN's yearly returns have swung widely, from +192% in 2021 to −66% in 2022. It's down 22% so far in 2026.