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.
VRM
Vroom, Inc.
There isn't enough reported data to score VRM 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.
VRM Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Under pressure | |
| N/A | |
| N/A |
VRM's revenue is currently stable, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like VRM.
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.
VRM PE Valuation
VRM 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.
VRM Forward outlook
There aren't enough analyst estimates for VRM 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 has the edge over VRM on earnings quality, reporting a profit while its opponent remains loss making.
VRM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$8.00 | +$19.66 |
| Q2 2026 | -$11.14 | +$33.36 |
| Q1 2026 | -$12.78 | +$41.84 |
| Q4 2025 | -$10.24 | +$80.83 |
| Q3 2025 | -$27.66 | +$251.87 |
| Q2 2025 | -$44.50 | +$260.24 |
| Q1 2025 | -$54.62 | +$276.75 |
| Q4 2024 | -$91.07 | +$245.82 |
VRM is still losing money, but far less than before: $8.00 per share over the past year, against $1,463.08 at its worst in early 2020.
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 VRM 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 VRM on profitability, with a higher operating margin.
VRM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $38.4M | -6.3% |
| Q2 2026 | $40.3M | -2.7% |
| Q1 2026 | $37.6M | +3.9% |
| Q4 2025 | $38.9M | -8.4% |
| Q3 2025 | $41M | -10% |
| Q2 2025 | $41.4M | -9.8% |
| Q1 2025 | $36.2M | +3.8% |
| Q4 2024 | $42.5M | -82% |
VRM's revenue fell from its 2021 peak and has held roughly level since: $38M last quarter, down 6.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -25% | +40 points |
| Q2 2026 | 1.3% | +23 points |
| Q1 2026 | -50% | -33 points |
| Q4 2025 | -30% | +56 points |
| Q3 2025 | -66% | +17 points |
| Q2 2025 | -21% | +21 points |
| Q1 2025 | -17% | +109 points |
| Q4 2024 | -85% | -40 points |
VRM's operating margin was −25% last quarter, up 40 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'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.
VRM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $19.9M | +16% |
| Q2 2026 | $17.3M | +8.5% |
| Q1 2026 | $16.9M | +9.8% |
| Q4 2025 | $19.6M | +$43.1M |
| Q3 2025 | $17.2M | +$50.1M |
| Q2 2025 | $16M | +$82.5M |
| Q1 2025 | $15.4M | -32% |
| Q4 2024 | -$23.5M | +$87.8M |
VRM 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 VRM 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.
VRM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +29.4K shares |
| 1 year | +0.8% | +43.9K shares |
| 3 years | +201% | +3.5M shares |
| 5 years | +207% | +3.5M shares |
| Available history | +4750% | +5.1M shares |
VRM has 5M diluted shares, up 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q1 2020 | $1.8M |
| Q4 2019 | $5.3M |
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.
VRM 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).
VRM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.0 | Neutral |
| Stochastic | 9.8 | Oversold |
VRM's weekly RSI is 38 (neutral) 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.
VRM PE vs Financial Services Sector
VRM 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 the edge over VRM on trend strength, trading above more of its moving averages.
VRM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.25 | 15% below |
| 20 week MA | $8.67 | 19% below |
| 50 week MA | $12.8 | 45% below |
| 100 week MA | $18.2 | 62% below |
| 200 week MA | $33.5 | 79% below |
VRM is in a downtrend: it's below all five of its weekly moving averages, and 79% 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 VRM on returns for 2026, with the stronger performance.
VRM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $3,442.4 | $3,431.2 | -0.3% |
| 2021 | $3,431.2 | $880.0 | -74% |
| 2022 | $880.0 | $75.2 | -91% |
| 2023 | $75.2 | $48.2 | -36% |
| 2024 | $48.2 | $5.28 | -89% |
| 2025 | $5.28 | $22.5 | +326% |
| 2026 YTD | $22.5 | $6.99 | -69% |
VRM's yearly returns have swung widely, from +326% in 2025 to −91% in 2022. It's down 69% so far in 2026.