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.
LX
LexinFintech Holdings Ltd.
There isn't enough reported data to score LX 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.
LX Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
LX's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like LX.
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.
LX PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 0.7x | $0.59 | — |
| Cheap | 1.6x | $1.46 | +147% |
| Fair | 3.4x | $3.03 | +413% |
| Expensive | 9.6x | $8.57 | +1352% |
Historical ranges are pointers, not guarantees.
LX 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.
LX Forward outlook
There aren't enough analyst estimates for LX 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'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.
LX Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.89 | -35% |
| Q1 2026 | $1.23 | +7% |
| Q4 2025 | $1.41 | +45% |
| Q3 2025 | $1.54 | +130% |
| Q2 2025 | $1.37 | +88% |
| Q1 2025 | $1.15 | +39% |
| Q4 2024 | $0.97 | +5.4% |
| Q3 2024 | $0.67 | -42% |
LX's earnings per share have fallen from their peak: $0.89 over the past year, against $2.16 in late 2019.
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 LX on sales, with more consistent year-over-year improvement.
| 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 LX on profitability, with a higher operating margin.
LX Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $481.1M | -11% |
| Q1 2026 | $499.1M | +7.1% |
| Q4 2025 | $450.5M | -18% |
| Q3 2025 | $512.9M | -6.7% |
| Q2 2025 | $538.4M | -1.5% |
| Q1 2025 | $465.8M | -4.3% |
| Q4 2024 | $549.1M | +4.3% |
| Q3 2024 | $549.6M | +4.4% |
LX's revenue is shrinking: $481M last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 5.8% | -6.8 points |
| Q1 2026 | 9.9% | -5.3 points |
| Q4 2025 | 10% | -5.3 points |
| Q3 2025 | 14% | -0.5 points |
| Q2 2025 | 13% | -4.9 points |
| Q1 2025 | 15% | -2 points |
| Q4 2024 | 15% | -1.2 points |
| Q3 2024 | 15% | -6.4 points |
LX's operating margin was 5.8% last quarter, down 6.8 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 edge over LX on cash flow, with more consistent year-over-year improvement.
LX Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
LX's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like LX.
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.
LX Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -1.6M shares |
| 1 year | -7% | -12.5M shares |
| 3 years | -11% | -20.5M shares |
| 5 years | -20% | -41.8M shares |
| Available history | -9.9% | -18.2M shares |
LX has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
LX hasn't bought back shares in the past year.
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.
LX Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.9x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 1.4x | Healthy |
| Q3 2025 | 1.2x | Healthy |
| Q2 2025 | 1.6x | Healthy |
| Q1 2025 | 1.1x | Healthy |
| Q4 2024 | 1.8x | Healthy |
| Q3 2024 | 1.9x | Healthy |
LX has the edge over BAC on leverage, with a lower net debt burden relative to earnings.
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).
LX Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 17.7 | Oversold |
| Stochastic | 2.7 | Oversold |
LX's weekly RSI is 18 (oversold) and its Stochastic is 3 (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.
LX PE vs Financial Services Sector
| Metric | LX | Sector median | Relative |
|---|---|---|---|
| PE | 0.7x | 13x | 95% below |
| PE % | 1 | 63 | 62 pts below |
LX 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 the edge over LX on trend strength, trading above more of its moving averages.
LX Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.66 | 11% below |
| 20 week MA | $1.05 | 44% below |
| 50 week MA | $1.96 | 70% below |
| 100 week MA | $4.43 | 87% below |
| 200 week MA | $3.38 | 83% below |
LX is in a downtrend: it's below all five of its weekly moving averages, and 83% 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 LX on returns for 2026, with the stronger performance.
LX Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.1 | $6.59 | -50% |
| 2021 | $6.59 | $3.68 | -44% |
| 2022 | $3.68 | $1.96 | -47% |
| 2023 | $1.96 | $1.84 | -6.1% |
| 2024 | $1.84 | $6.16 | +235% |
| 2025 | $6.16 | $3.45 | -44% |
| 2026 YTD | $3.45 | $0.59 | -83% |
LX's yearly returns have swung widely, from +235% in 2024 to −50% in 2020. It's down 83% so far in 2026.