COMP <GO>
NNI vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Nelnet Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: NNI 5
— BAC 2
■ METRIC PARITY
LAST: $124.27 (+1.47%) • MKT CAP: $4.38B
balance-sheet
—
LAST: $49.57 (-0.88%) • MKT CAP: $349.71B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NNI VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NNI | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | 2.50% | +9.10 | NNI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.98% | 2.10% | +6.88 | NNI | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 27.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 6.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.97% | 0.00% | +0.97 | NNI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 7/9 | -3.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.2 | 32.7 | +9.50 | NNI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.6x | 10.9x | -1.30 | NNI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.38B | $349.71B | -$345.33B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NNI REV | BAC REV | NNI GROSS % | BAC GROSS % | NNI FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.91B | $113.10B | — | — | $396.7M | $7.52B |
| FY 2024 | $5.79B | $105.86B | — | — | $642.0M | -$13.57B |
| FY 2023 | $1.64B | $102.77B | — | — | $432.0M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NNI // BETA —
BAC // BETA 0.90