COMP <GO>
FNF vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Fidelity National Financial Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: FNF 7
— BAC 4
■ METRIC PARITY
LAST: $40.28 (+2.49%) • MKT CAP: $10.80B
balance-sheet
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNF VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNF | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 1.20% | 2.50% | -1.30 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 61.6x | 30.2x | +31.40 | BAC | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.10% | +19.90 | FNF | /fcf-yield <GO> |
| Operating Margin | 35.00% | 32.90% | +2.10 | FNF | /operating-margins <GO> |
| Net Profit Margin | 28.70% | 27.00% | +1.70 | FNF | /net-margins <GO> |
| Revenue Growth (YoY) | 9.10% | 6.80% | +2.30 | FNF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 5.05% | 0.00% | +5.05 | FNF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 47.3 | 38.3 | +9.00 | FNF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.08 | 0.90 | +0.18 | FNF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.6x | 10.9x | +5.70 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.80B | $357.61B | -$346.81B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNF REV | BAC REV | FNF GROSS % | BAC GROSS % | FNF FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.10B | $113.10B | — | — | $5.73B | $7.52B |
| FY 2024 | $1.92B | $105.86B | — | — | $6.73B | -$13.57B |
| FY 2023 | $1.86B | $102.77B | — | — | $6.39B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNF // BETA 1.08
BAC // BETA 0.90