COMP <GO>
NP vs BAC // OPERATING MARGIN
Neptune Insurance Holdings Inc. (Class A) (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: NP 4
— BAC 5
▲ OPERATING MARGIN LEADER: NP
LAST: $28.81 (-2.27%) • MKT CAP: $3.98B
operating-margins
44.50%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
operating-margins
32.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NP VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NP | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 28.20% | 2.50% | +25.70 | NP | /roic <GO> |
| EV/EBITDA & P/E Valuation | 56.0x | 30.2x | +25.80 | BAC | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 2.10% | -0.80 | BAC | /fcf-yield <GO> |
| Operating Margin ACTIVE | 44.50% | 32.90% | +11.60 | NP | /operating-margins <GO> |
| Net Profit Margin | 23.40% | 27.00% | -3.60 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 33.70% | 6.80% | +26.90 | NP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | 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 | 51.4 | 38.3 | +13.10 | NP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 89.4x | 10.9x | +78.50 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.98B | $357.61B | -$353.63B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NP REV | BAC REV | NP GROSS % | BAC GROSS % | NP FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $159.6M | $113.10B | — | — | $51.7M | $7.52B |
| FY 2024 | $119.3M | $105.86B | — | — | $49.9M | -$13.57B |
| FY 2023 | $84.9M | $102.77B | — | — | $18.6M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NP // BETA —
BAC // BETA 0.90