BAC
Bank of America Corporation
BAC has the edge over PMTS overall, supported by stronger valuation and lower modeled downside.
PMTS
CPI Card Group Inc.
PMTS's outlook is improving, though it still trails on the overall score.
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.
PMTS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PMTS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PMTS.
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 PMTS in the historical PE scenario, which offers more potential upside but is not a forecast.
PMTS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.6x | $25.16 | — |
| Cheap | 7.7x | $10.50 | -58% |
| Fair | 13x | $17.47 | -31% |
| Expensive | 18x | $24.54 | -2.5% |
| Current | 18x | $25.16 | — |
Historical ranges are pointers, not guarantees.
PMTS's PE is in its expensive range at 18x. If earnings grow as analysts expect, today's price would be 7.6x 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.
PMTS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for PMTS, with profitability improving. However, they disagree widely on these estimates.
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 PMTS on earnings, with more consistent year-over-year improvement.
PMTS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.32 | +142% |
| Q3 2026 | $1.37 | +15% |
| Q2 2026 | $1.15 | +3.6% |
| Q1 2026 | $1.02 | -35% |
| Q4 2025 | $1.25 | -24% |
| Q3 2025 | $1.19 | -8.5% |
| Q2 2025 | $1.11 | -27% |
| Q1 2025 | $1.58 | +1.3% |
| Q4 2024 | $1.64 | -18% |
PMTS's earnings per share have fallen from their peak: $1.37 over the past year, against $3.54 in mid-2023.
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 PMTS on profitability, with a higher operating margin.
PMTS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $158.4M | +15% |
| Q2 2026 | $149.2M | +15% |
| Q1 2026 | $147.1M | +20% |
| Q4 2025 | $153.1M | +22% |
| Q3 2025 | $138M | +11% |
| Q2 2025 | $129.8M | +9.2% |
| Q1 2025 | $122.8M | +9.7% |
| Q4 2024 | $125.1M | +22% |
PMTS has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.9% | +0.5 points |
| Q2 2026 | 8% | +0.7 points |
| Q1 2026 | 7.5% | -4 points |
| Q4 2025 | 12% | -0.8 points |
| Q3 2025 | 9.4% | -4.8 points |
| Q2 2025 | 7.3% | -5.3 points |
| Q1 2025 | 11% | -1.2 points |
| Q4 2024 | 13% | +2.5 points |
PMTS's operating margin was 9.9% last quarter, about level with 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'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.
PMTS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.1M | +90% |
| Q2 2026 | $25.9M | +4762% |
| Q1 2026 | $10.1M | +3371% |
| Q4 2025 | $35.2M | +63% |
| Q3 2025 | $5.3M | -52% |
| Q2 2025 | $533K | +$6.5M |
| Q1 2025 | $292K | -96% |
| Q4 2024 | $21.6M | +89% |
PMTS 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 PMTS 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.
PMTS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.1% | +127K shares |
| 1 year | +2.6% | +313K shares |
| 3 years | +2.9% | +339K shares |
| 5 years | +3.1% | +367K shares |
| Available history | +8.7% | +970K shares |
PMTS has 12M diluted shares, up 2.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | $2.2M |
| Q2 2024 | $5.2M |
| Q1 2024 | $1.3M |
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.
PMTS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.9x | Moderate |
| Q2 2026 | 3.0x | Elevated |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 3.4x | Elevated |
| Q3 2025 | 4.0x | High |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 3.1x | Elevated |
| Q4 2024 | 3.1x | Elevated |
PMTS 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).
PMTS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.1 | Neutral |
| Stochastic | 40.6 | Neutral |
PMTS's weekly RSI is 56 (neutral) and its Stochastic is 41 (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 has the edge over PMTS on valuation relative to its sector.
PMTS PE vs Financial Services Sector
| Metric | PMTS | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 41% above |
| PE % | 84 | 63 | 21 pts above |
PMTS is trading at 18x earnings, a 41% 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.
PMTS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.3 | 0.6% below |
| 20 week MA | $24.5 | 2.7% above |
| 50 week MA | $19.2 | 31% above |
| 100 week MA | $20.7 | 21% above |
| 200 week MA | $22.9 | 9.8% above |
PMTS 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.
PMTS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $0.82 | $4.25 | +418% |
| 2021 | $4.25 | $20.1 | +373% |
| 2022 | $20.1 | $35.1 | +75% |
| 2023 | $35.1 | $19.2 | -45% |
| 2024 | $19.2 | $31.9 | +66% |
| 2025 | $31.9 | $15.2 | -52% |
| 2026 YTD | $15.2 | $25.2 | +65% |
PMTS has the edge over BAC on returns for 2026, with the stronger performance.