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.
PLUT
Plutus Financial Group Limited
There isn't enough reported data to score PLUT 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.
PLUT Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
PLUT's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PLUT.
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.
PLUT PE Valuation
PLUT 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.
PLUT Forward outlook
There aren't enough analyst estimates for PLUT 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.
PLUT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$0.35 | -$0.29 |
PLUT and BAC do not have enough comparable growth data to identify a winner.
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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
PLUT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $1.3M | +7.1% |
| Q4 2024 | $1.2M | +518% |
| Q4 2023 | $201K | -75% |
| Q4 2022 | $797.4K | -51% |
PLUT has the edge over BAC in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -319% | N/A |
| Q4 2024 | -74% | N/A |
| Q4 2023 | -267% | -253 points |
| Q4 2022 | -14% | -73 points |
| Q3 2022 | 9.7% | N/A |
| Q4 2021 | 59% | N/A |
PLUT's operating margin was −319% last quarter, down 329 points from the same quarter a year ago, near the bottom of its range since 2021.
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 PLUT at down 576%.
PLUT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | -$10.2M | -$9M |
| Q4 2024 | -$1.2M | -$540K |
| Q4 2023 | -$655.8K | -153% |
| Q3 2023 | -$655.8K | -388% |
| Q2 2023 | $1.3M | -16% |
| Q1 2023 | $1.3M | -16% |
| Q4 2022 | $1.2M | +$2.1M |
PLUT's free cash flow was −$13M over the past year, against $4M the year before. Free cash flow isn't a meaningful measure for financial services companies like PLUT.
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 PLUT 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.
PLUT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +21% | +2.5M shares |
| 1 year | +2.9% | +414K shares |
PLUT has 15M diluted shares, up 2.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
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.
PLUT Net Leverage
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).
PLUT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 26.0 | Oversold |
| Stochastic | 10.1 | Oversold |
PLUT's weekly RSI is 26 (oversold) and its Stochastic is 10 (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.
PLUT PE vs Financial Services Sector
PLUT 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 stronger trend alignment. BAC is above 1 of 5 weekly averages versus PLUT above 0 of 3.
PLUT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.75 | 35% below |
| 20 week MA | $2.37 | 52% below |
| 50 week MA | $2.84 | 60% below |
PLUT is in a downtrend: it's below all three of its weekly moving averages, and 60% below its 50-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 PLUT on returns for 2026, with the stronger performance.
PLUT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $4.15 | $3.40 | -18% |
| 2026 YTD | $3.40 | $1.13 | -67% |
PLUT has finished every year since 2025 lower, and it's down 67% so far in 2026.