BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
PRAA
PRA Group, Inc.
PRAA has the edge over BAC overall, supported by stronger valuation.
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.
PRAA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PRAA's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRAA.
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.
PRAA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 2.9x | $11.88 | — |
| Forward | 6.5x | $11.88 | — |
| Cheap | 9.6x | $39.16 | +230% |
| Fair | 11x | $47.03 | +296% |
| Expensive | 20x | $83.73 | +605% |
Historical ranges are pointers, not guarantees.
PRAA 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 |
BAC has the edge over PRAA on the outlook, with more favorable valuation and earnings expectations.
PRAA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect PRAA's earnings, revenue and profitability to hold roughly steady.
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 PRAA on earnings, with more consistent year-over-year improvement.
PRAA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.82 | -55% |
| Q3 2026 | $4.10 | +$12.89 |
| Q2 2026 | -$6.72 | -388% |
| Q1 2026 | -$7.15 | -499% |
| Q4 2025 | -$7.79 | -535% |
| Q3 2025 | -$8.79 | -899% |
| Q2 2025 | $2.33 | +2230% |
| Q1 2025 | $1.79 | +$2.33 |
| Q4 2024 | $1.79 | +$3.92 |
PRAA has returned to profit: it earned $4.10 per share over the past year, after losing money the year before.
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.
PRAA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $286.3M | -8% |
| Q2 2026 | $372.2M | +29% |
| Q1 2026 | $314.5M | +17% |
| Q4 2025 | $333.4M | +14% |
| Q3 2025 | $311.1M | +11% |
| Q2 2025 | $287.7M | +1.2% |
| Q1 2025 | $269.6M | +5.5% |
| Q4 2024 | $293.2M | +32% |
PRAA's revenue is growing: $286M last quarter, down 8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +131 points |
| Q2 2026 | 41% | +12 points |
| Q1 2026 | 33% | +5.2 points |
| Q4 2025 | 38% | +5.6 points |
| Q3 2025 | -101% | -133 points |
| Q2 2025 | 30% | -1.8 points |
| Q1 2025 | 28% | +1.7 points |
| Q4 2024 | 32% | +12 points |
PRAA has the edge over BAC on profitability, with a higher operating margin.
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 PRAA on cash generation, producing positive trailing cash flow while its opponent burns cash.
PRAA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$22.7M | -$11.3M |
| Q2 2026 | -$38.7M | -$24.5M |
| Q1 2026 | $23.5M | +$77M |
| Q4 2025 | -$11.3M | -127% |
| Q3 2025 | -$11.3M | +$24.7M |
| Q2 2025 | -$14.2M | +$16.6M |
| Q1 2025 | -$53.5M | +$20M |
| Q4 2024 | $41.8M | +107% |
PRAA's free cash flow was −$49M over the past year, against −$37M the year before. Free cash flow isn't a meaningful measure for financial services companies like PRAA.
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 PRAA 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.
PRAA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -282K shares |
| 1 year | -2.7% | -1.1M shares |
| 3 years | -3.1% | -1.2M shares |
| 5 years | -17% | -7.6M shares |
| Available history | -17% | -7.6M shares |
PRAA has 38M diluted shares, down 2.7% from a year ago, with $30M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $10M |
| Q1 2026 | $10M |
| Q4 2025 | $10M |
| Q3 2025 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q1 2023 | — |
PRAA spent $30M buying back its own shares over 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.
PRAA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -0.4x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
| Q3 2024 | -0.5x | Net Cash |
| Q2 2024 | -0.5x | Net Cash |
| Q1 2024 | -0.5x | Net Cash |
| Q4 2023 | -1.0x | Net Cash |
| Q3 2023 | -0.8x | Net Cash |
PRAA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PRAA.
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).
PRAA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.9 | Neutral |
| Stochastic | 21.1 | Neutral |
PRAA's weekly RSI is 33 (neutral) and its Stochastic is 21 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
PRAA PE vs Financial Services Sector
| Metric | PRAA | Sector median | Relative |
|---|---|---|---|
| PE | 2.9x | 13x | 78% below |
| PE % | 0 | 63 | 63 pts below |
PRAA 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 PRAA on trend strength, trading above more of its moving averages.
PRAA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.8 | 33% below |
| 20 week MA | $18.5 | 36% below |
| 50 week MA | $17.4 | 32% below |
| 100 week MA | $17.4 | 32% below |
| 200 week MA | $21.0 | 43% below |
PRAA is in a downtrend: it's below all five of its weekly moving averages, and 43% 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 PRAA on returns for 2026, with the stronger performance.
PRAA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.5 | $38.8 | +6.2% |
| 2021 | $38.8 | $48.5 | +25% |
| 2022 | $48.5 | $33.4 | -31% |
| 2023 | $33.4 | $26.2 | -22% |
| 2024 | $26.2 | $20.5 | -22% |
| 2025 | $20.5 | $17.6 | -14% |
| 2026 YTD | $17.6 | $11.9 | -33% |
PRAA has finished four years in a row lower, and it's down 33% so far in 2026.