COMP <GO>
PRI vs BAC // 10Y YIELD & FRED MACRO BETA
Primerica Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: PRI 7
— BAC 6
▲ 10Y YIELD & FRED MACRO BETA LEADER: PRI
LAST: $281.09 (-0.87%) • MKT CAP: $8.73B
macro-sensitivity
0.97
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PRI VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PRI | 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) | 5.20% | 2.50% | +2.70 | PRI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 22.7x | 30.2x | -7.50 | PRI | /valuation <GO> |
| Free Cash Flow Yield | 8.63% | 2.10% | +6.53 | PRI | /fcf-yield <GO> |
| Operating Margin | 13.90% | 32.90% | -19.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 27.00% | -16.10 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 6.60% | 6.80% | -0.20 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.11% | 0.00% | +3.11 | PRI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.09 | 0.45 | +0.64 | PRI | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.0 | 27.7 | +22.29 | PRI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.97 | 0.90 | +0.07 | PRI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.7x | 10.9x | +11.80 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.73B | $357.61B | -$348.88B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PRI REV | BAC REV | PRI GROSS % | BAC GROSS % | PRI FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.29B | $113.10B | 44.0% | 44.0% | $753.1M | $7.52B |
| FY 2024 | $3.09B | $105.86B | 44.0% | 44.0% | $723.1M | -$13.57B |
| FY 2023 | $2.75B | $102.77B | 44.0% | 44.0% | $568.8M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PRI // BETA 0.97
BAC // BETA 0.90