COMP <GO>
COF vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Capital One Financial Corporation (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: COF 7
— BAC 5
■ METRIC PARITY
LAST: $204.85 (-1.86%) • MKT CAP: $128.06B
balance-sheet
0.45
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
balance-sheet
0.45
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (COF VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | COF | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.90% | 2.50% | -1.60 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 64.8x | 30.2x | +34.60 | BAC | /valuation <GO> |
| Free Cash Flow Yield | 20.41% | 2.10% | +18.31 | COF | /fcf-yield <GO> |
| Operating Margin | 37.10% | 32.90% | +4.20 | COF | /operating-margins <GO> |
| Net Profit Margin | 30.40% | 27.00% | +3.40 | COF | /net-margins <GO> |
| Revenue Growth (YoY) | 36.30% | 6.80% | +29.50 | COF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.18% | 0.00% | +1.18 | COF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.20% | 6.60% | +0.60 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.7 | 27.7 | +26.05 | COF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.08 | 0.90 | +0.18 | COF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 43.8x | 10.9x | +32.90 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $128.06B | $357.61B | -$229.55B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | COF REV | BAC REV | COF GROSS % | BAC GROSS % | COF FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $8.06B | $113.10B | 44.0% | 44.0% | $26.14B | $7.52B |
| FY 2024 | $5.92B | $105.86B | 44.0% | 44.0% | $16.95B | -$13.57B |
| FY 2023 | $5.64B | $102.77B | 44.0% | 44.0% | $20.32B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
COF // BETA 1.08
BAC // BETA 0.90