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.
LDI
loanDepot, Inc.
There isn't enough reported data to score LDI 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.
LDI Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Under pressure | |
| N/A | |
| N/A |
LDI'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 LDI.
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.
LDI PE Valuation
LDI 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 LDI on the outlook, with more favorable earnings and revenue expectations.
LDI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Decline | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect LDI's losses to grow, with revenue declining.
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 stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus LDI down 184%.
LDI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2024 | -$0.53 | +$0.10 |
| Q3 2024 | -$0.52 | +$0.42 |
| Q2 2024 | -$0.62 | +$0.60 |
| Q1 2024 | -$0.57 | +$1.18 |
| Q4 2023 | -$0.63 | +$1.12 |
| Q3 2023 | -$0.94 | +$0.30 |
| Q2 2023 | -$1.22 | -$0.75 |
| Q1 2023 | -$1.75 | -773% |
LDI is still losing money, but far less than before: $0.53 per share over the past year, against $1.75 at its worst in late 2022.
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% |
LDI has the stronger quarterly revenue trend. Revenue is up 6.7% for BAC versus up 16% for LDI.
| 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 LDI on profitability, with a higher operating margin.
LDI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2024 | $257.5M | +13% |
| Q3 2024 | $314.6M | +18% |
| Q2 2024 | $265.4M | -2.4% |
| Q1 2024 | $222.8M | +7.2% |
| Q4 2023 | $228.6M | +35% |
| Q3 2023 | $265.7M | -3.1% |
| Q2 2023 | $271.8M | -12% |
| Q1 2023 | $207.9M | -59% |
LDI's revenue is recovering but still below its 2021 peak: $307M last quarter, up 16% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -9.3% | N/A |
| Q2 2026 | -2% | N/A |
| Q4 2024 | -33% | -0.3 points |
| Q3 2024 | 1.1% | +16 points |
| Q2 2024 | -29% | -7.6 points |
| Q1 2024 | -38% | +13 points |
| Q4 2023 | -32% | +70 points |
| Q3 2023 | -15% | +44 points |
LDI's operating margin was −9.3% last quarter, up 20 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 has the stronger cash trend. Its trailing FCF is up 119% versus its history, compared with LDI at down 24%.
LDI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2024 | $33.6M | +$243.4M |
| Q3 2024 | -$356.4M | -325% |
| Q2 2024 | -$285.7M | +$57M |
| Q1 2024 | -$283.3M | -242% |
| Q4 2023 | -$209.7M | -621% |
| Q3 2023 | $158.5M | -91% |
| Q2 2023 | -$342.7M | -123% |
| Q1 2023 | $199.1M | -82% |
LDI's free cash flow was $778M over the past year, against −$620M the year before. Free cash flow isn't a meaningful measure for financial services companies like LDI.
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.
LDI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +669K shares |
| 1 year | -28% | -92.4M shares |
| 3 years | +67% | +93.3M shares |
LDI has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2021 | — |
| Q1 2021 | — |
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.
LDI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2022 | 9.0x | High |
| Q4 2021 | 1.7x | Healthy |
LDI's net debt is about 9.0 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like LDI.
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).
LDI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 28.2 | Oversold |
| Stochastic | 12.2 | Oversold |
LDI's weekly RSI is 28 (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.
LDI PE vs Financial Services Sector
| Metric | LDI | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
LDI 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 LDI on trend strength, trading above more of its moving averages.
LDI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.59 | 24% below |
| 20 week MA | $0.81 | 44% below |
| 50 week MA | $1.42 | 68% below |
| 100 week MA | $1.68 | 73% below |
| 200 week MA | $1.93 | 77% below |
LDI is in a downtrend: it's below all five of its weekly moving averages, and 77% 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 LDI on returns for 2026, with the stronger performance.
LDI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $31.5 | $4.76 | -85% |
| 2022 | $4.76 | $1.57 | -67% |
| 2023 | $1.57 | $3.52 | +124% |
| 2024 | $3.52 | $1.93 | -45% |
| 2025 | $1.93 | $2.12 | +9.8% |
| 2026 YTD | $2.12 | $0.45 | -79% |
LDI's yearly returns have swung widely, from +124% in 2023 to −85% in 2021. It's down 79% so far in 2026.