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.
JF
J and Friends Holdings Limited Sponsored ADR Class A
There isn't enough reported data to score JF 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.
JF Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Under pressure | |
| N/A | |
| N/A |
JF's profitability is currently under pressure. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like JF.
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.
JF PE Valuation
JF 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.
JF Forward outlook
There aren't enough analyst estimates for JF to show an outlook.
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 JF in the latest year-over-year earnings comparison.
JF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$0.00 | $0.00 |
| Q4 2024 | -$0.00 | +$0.02 |
| Q4 2023 | -$0.02 | +$0.07 |
| Q4 2022 | -$0.09 | +$0.17 |
| Q4 2021 | -$0.26 | +$0.48 |
| Q4 2020 | -$0.74 | +$1.67 |
| Q4 2019 | -$2.41 | +$84.89 |
| Q4 2018 | -$87.30 | +$270.87 |
JF lost $0.00 per share over the past year, a smaller loss than 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 stronger quarterly revenue trend. Revenue is up 6.7% for BAC versus down 94% for JF.
| 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.
JF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $1.6M | -70% |
| Q4 2024 | $5.3M | -33% |
| Q4 2023 | $7.9M | -29% |
| Q4 2022 | $11.2M | -57% |
| Q4 2021 | $26M | -54% |
| Q4 2020 | $56.8M | -71% |
| Q4 2019 | $192.9M | +463% |
| Q4 2018 | $34.2M | +2.5% |
JF's revenue has slid since its 2019 peak: $2M last quarter, down 94% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -84% | -43 points |
| Q4 2024 | -40% | +15 points |
| Q4 2023 | -79% | -22 points |
| Q4 2022 | -109% | -73 points |
| Q4 2021 | -41% | -51 points |
| Q4 2020 | -55% | -63 points |
| Q4 2019 | -57% | -65 points |
| Q4 2018 | -37% | -42 points |
JF's operating margin was −84% last quarter, down 43 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 has the stronger cash trend. Its trailing FCF is up 119% versus its history, compared with JF at up 69%.
JF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2018 | $31.5M | +68% |
| Q3 2018 | $0 | $0 |
| Q2 2018 | $6.9M | +15% |
| Q1 2018 | -$22.7M | -595% |
JF's free cash flow was $16M over the past year, down 47% from the year before. Free cash flow isn't a meaningful measure for financial services companies like JF.
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 JF 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.
JF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.9% | +27.3M shares |
| 1 year | +871% | +522M shares |
| 3 years | +1065488% | +582M shares |
JF has 582M diluted shares, up 871% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2018 | $47.5M |
| Q3 2018 | — |
| Q2 2018 | — |
| Q1 2018 | — |
| 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.
JF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2018 | 9.1x | High |
| Q2 2018 | 14.9x | High |
| Q1 2018 | 153.5x | High |
JF's net debt is about 9.1 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JF.
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).
JF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.4 | Neutral |
| Stochastic | 31.6 | Neutral |
JF's weekly RSI is 46 (neutral) and its Stochastic is 32 (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.
JF PE vs Financial Services Sector
JF 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 JF on trend strength, trading above more of its moving averages.
JF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.94 | 2.1% below |
| 20 week MA | $0.95 | 3.2% below |
| 50 week MA | $0.98 | 6.1% below |
| 100 week MA | $0.97 | 5.2% below |
| 200 week MA | $0.99 | 7.1% below |
JF is in a downtrend: it's below all five of its weekly moving averages, and 7.1% 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 finished higher in four of the last six years. It's down 10% so far in 2026.
JF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.7 | $5.20 | -51% |
| 2021 | $5.20 | $2.30 | -56% |
| 2022 | $2.30 | $0.46 | -80% |
| 2023 | $0.46 | $1.11 | +141% |
| 2024 | $1.11 | $0.91 | -18% |
| 2025 | $0.91 | $0.94 | +3.3% |
| 2026 YTD | $0.94 | $0.92 | -2.1% |
JF has the edge over BAC on returns for 2026, with the stronger performance.