BAC
Bank of America Corporation
BAC has a slight edge over OPRT overall, supported by stronger valuation and lower modeled downside.
OPRT
Oportun Financial Corporation
OPRT offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
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.
OPRT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
OPRT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPRT.
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 has the edge over OPRT in the historical PE scenario, which offers more potential upside but is not a forecast.
OPRT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $2.58 | -78% |
| Forward | 5.9x | $11.76 | — |
| Fair | 10x | $7.71 | -34% |
| Current | 16x | $11.76 | — |
| Expensive | 20x | $14.88 | +27% |
Historical ranges are pointers, not guarantees.
OPRT's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 5.9x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
OPRT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for OPRT, 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.
OPRT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.00 | +170% |
| Q3 2026 | $0.74 | +2.8% |
| Q2 2026 | $0.40 | +$0.54 |
| Q1 2026 | $0.37 | +$1.43 |
| Q4 2025 | $0.53 | +$2.48 |
| Q3 2025 | $0.72 | +$3.85 |
| Q2 2025 | -$0.14 | +$2.79 |
| Q1 2025 | -$1.06 | +$1.50 |
| Q4 2024 | -$1.95 | +$2.93 |
OPRT's earnings per share have fallen from their peak: $0.74 over the past year, against $2.83 in early 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% |
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 OPRT on profitability, with a higher operating margin.
OPRT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $126.6M | +20% |
| Q2 2026 | $105.6M | +1% |
| Q1 2026 | $94.9M | -10% |
| Q4 2025 | $90.4M | -3.2% |
| Q3 2025 | $105.1M | +68% |
| Q2 2025 | $104.6M | +74% |
| Q1 2025 | $105.8M | +34% |
| Q4 2024 | $93.4M | +30% |
OPRT's revenue is recovering but still below its 2022 peak: $127M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +14 points |
| Q2 2026 | 15% | +5.1 points |
| Q1 2026 | 3.8% | -8.7 points |
| Q4 2025 | 7.3% | +3.1 points |
| Q3 2025 | 14% | +77 points |
| Q2 2025 | 9.7% | +92 points |
| Q1 2025 | 12% | +51 points |
| Q4 2024 | 4.2% | +84 points |
OPRT's operating margin was 27% last quarter, up 14 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'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.
OPRT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $118.9M | +20% |
| Q2 2026 | $109.3M | +4.6% |
| Q1 2026 | $103.7M | +2.7% |
| Q4 2025 | $108.9M | +19% |
| Q3 2025 | $99M | -8.7% |
| Q2 2025 | $104.5M | -3% |
| Q1 2025 | $101M | +18% |
| Q4 2024 | $91.4M | -14% |
OPRT has the edge over BAC on cash flow, with more consistent year-over-year improvement.
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 OPRT 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.
OPRT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.2% | +1.6M shares |
| 1 year | +5.5% | +2.7M shares |
| 3 years | +33% | +12.7M shares |
| 5 years | +67% | +20.5M shares |
| Available history | +89% | +24M shares |
OPRT has 51M diluted shares, up 5.5% from a year ago.
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.
OPRT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | 0.9x | Very low |
| Q4 2025 | 1.9x | Healthy |
| Q3 2025 | 3.0x | Elevated |
| Q2 2025 | 15.5x | High |
| Q2 2022 | 15.4x | High |
| Q1 2022 | 10.5x | High |
OPRT 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).
OPRT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 83.4 | Overbought |
| Stochastic | 81.4 | Overbought |
OPRT's weekly RSI is 83 (overbought) and its Stochastic is 81 (overbought).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC has the edge over OPRT on valuation relative to its sector.
OPRT PE vs Financial Services Sector
| Metric | OPRT | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 22% above |
| PE % | 72 | 63 | 9 pts above |
OPRT is trading at 16x earnings, a 22% premium to the Financial Services sector's median of 13x.
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.
OPRT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.63 | 22% above |
| 20 week MA | $8.03 | 46% above |
| 50 week MA | $6.36 | 85% above |
| 100 week MA | $6.05 | 94% above |
| 200 week MA | $5.15 | 128% above |
OPRT 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 finished higher in four of the last six years. It's down 10% so far in 2026.
OPRT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.3 | $19.2 | -18% |
| 2021 | $19.2 | $21.2 | +10% |
| 2022 | $21.2 | $5.20 | -75% |
| 2023 | $5.20 | $3.91 | -25% |
| 2024 | $3.91 | $4.07 | +4.1% |
| 2025 | $4.07 | $5.37 | +32% |
| 2026 YTD | $5.37 | $11.8 | +119% |
OPRT has the edge over BAC on returns for 2026, with the stronger performance.