Compare Stocks › BAC vs FICO
Bank of America Corporation (BAC) vs Fair Isaac Corporation (FICO)
BAC
Bank of America Corporation
$47.01
VS
FICO
Fair Isaac Corporation
$1113.16
Rewards
BAC
- ★Each dollar of retained earnings has created $2.37 of market value — management is an exceptional capital allocator.
- ★PEG ratio of 0.58 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
FICO
- ★Fair Isaac Corporation has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Gross margin of 82.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Fair Isaac Corporation scores 100/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
Risks
BAC
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Bank of America Corporation scores only 20/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
FICO
- ⚠FCF yield of 2.2% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠PEG ratio of 5.34 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
- ⚠18 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
Key Valuation Metrics
Learn more →BAC
FICO
Valuation
N/A
Free Cash Flow
$573.16M
N/A
FCF Yield
2.17%
12.34
Trailing P/E
41.15
9.49
Forward P/E
20.86
Quality & Moat
4.61%
ROIC
23.18%
N/A
ROE
N/A
0.00%
Gross Margin
82.86%
0.58
PEG Ratio
5.34
Balance Sheet Safety
N/A
Debt / Equity
N/A
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
3.04
2.38%
Dividend Yield
N/A
BAC: 3Ties: 1FICO: 2
BACFICO
Historical Fundamentals
Learn more →BAC
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
FICO
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →BAC
$2.37
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$55.63B
Δ Market Cap
+$131.83B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
FICO
$15.76
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$1.59B
Δ Market Cap
+$25.12B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →BAC
64.3% Margin of Safety
Price is 64.3% below estimated fair value
Current Price: $47.01
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $131.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
FICO
34.2% Margin of Safety
Price is 34.2% below estimated fair value
Current Price: $1113.16
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $1691.04
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →BAC
Requires positive FCF to compute implied growth rate.
FICO
What growth rate is the market pricing in at $1113?
+18.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +20.6%
The market implies +18.8% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +20.6%, reflecting ongoing growth investment.
Economic Moat Score
Learn more →BAC
20/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
FICO
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →BAC
-2.31
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
FICO
-2.68
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →BAC
Insiders 7.3%Institutions 71.2%Retail & Other 21.5%
No. of Institutional Holders4,445
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
FICO
Insiders 2.7%Institutions 91.1%Retail & Other 6.1%
No. of Institutional Holders1,412
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →BAC
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
FICO
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →BAC
5
Sells (3M)
5
Sells (12M)
Total value (12M): $20.17M
MENSAH BERNARD AMPONSAH
Officer
$4.41M
@ $46.94 · 2026-03-12
SCRIVENER THOMAS M
Officer
$2.49M
@ $49.82 · 2026-03-05
BRONSTEIN SHERI B
Officer
$2.99M
@ $49.91 · 2026-03-05
ATHANASIA DEAN C
President
$6.86M
@ $50.21 · 2026-03-03
BORTHWICK ALASTAIR M.
Chief Financial Officer
$3.42M
@ $50.24 · 2026-02-27
MENSAH BERNARD AMPONSAH
Officer
$3.66M
@ $39.80 · 2024-08-27
HANS LINDSAY D
Officer
$402,410
@ $36.91 · 2024-08-05
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
FICO
1
Sells (3M)
18
Sells (12M)
Total value (12M): $88.27M
MANOLIS EVA
Director
$638,368
@ $1227.63 · 2026-02-25
WEBER STEVEN P.
Chief Financial Officer
$2.58M
@ $1810.00 · 2025-12-17
MANOLIS EVA
Director
$951,257
@ $1825.83 · 2025-12-12
MCMORRIS MARC F
Director
$434,287
@ $1809.53 · 2025-11-26
LANSING WILLIAM J
Chief Executive Officer
$8.06M
@ $1631.34 · 2025-10-14
LANSING WILLIAM J
Chief Executive Officer
$1.76M
@ $1650.17 · 2025-10-14
LANSING WILLIAM J
Chief Executive Officer
$9.24M
@ $1537.50 · 2025-09-09
LANSING WILLIAM J
Chief Executive Officer
$9.03M
@ $1501.84 · 2025-08-28
LANSING WILLIAM J
Chief Executive Officer
$5.97M
@ $1565.99 · 2025-07-08
LANSING WILLIAM J
Chief Executive Officer
$3.92M
@ $1780.48 · 2025-07-08
LANSING WILLIAM J
Chief Executive Officer
$10.62M
@ $1767.82 · 2025-06-10
WEBER STEVEN P.
Chief Financial Officer
$1.74M
@ $1738.25 · 2025-06-09
LANSING WILLIAM J
Chief Executive Officer
$11.64M
@ $2147.97 · 2025-05-13
LANSING WILLIAM J
Chief Executive Officer
$1.28M
@ $2170.34 · 2025-05-13
MCMORRIS MARC F
Director
$1.66M
@ $2087.50 · 2025-05-09
BOWERS THOMAS A
Officer
$8.39M
@ $2057.05 · 2025-05-02
LANSING WILLIAM J
Chief Executive Officer
$5.14M
@ $1683.35 · 2025-04-08
LANSING WILLIAM J
Chief Executive Officer
$5.21M
@ $1761.13 · 2025-04-08
LANSING WILLIAM J
Chief Executive Officer
$3.25M
@ $1694.38 · 2025-03-11
LANSING WILLIAM J
Chief Executive Officer
$7.07M
@ $1727.69 · 2025-03-11
LANSING WILLIAM J
Chief Executive Officer
$10.84M
@ $1804.23 · 2025-02-11
WEBER STEVEN P.
Chief Financial Officer
$273,054
@ $1964.42 · 2025-01-08
MCMORRIS MARC F
Director
$1.12M
@ $2152.57 · 2024-12-17
WEHMANN JAMES M.
Officer
$6.59M
@ $2195.19 · 2024-12-12
SCADINA MARK R
General Counsel
$2,390
@ $2390.00 · 2024-12-09
SCADINA MARK R
General Counsel
$6.16M
@ $2389.99 · 2024-12-06
WEHMANN JAMES M.
Officer
$8.31M
@ $2373.85 · 2024-12-05
WEHMANN JAMES M.
Officer
$8.12M
@ $2320.41 · 2024-11-21
REY DAVID A
Director
$10.95M
@ $2340.28 · 2024-11-11
STANSBURY HENRY TAYLOE
Director
$582,299
@ $2338.55 · 2024-11-11
BOWERS THOMAS A
Officer
$6.27M
@ $2338.21 · 2024-11-11
KELLY BRADEN R
Director
$9.10M
@ $2343.43 · 2024-11-11
REES JOANNA
Director
$6.93M
@ $1750.00 · 2024-09-05
MCMORRIS MARC F
Director
$2.59M
@ $1749.33 · 2024-08-13
BOWERS THOMAS A
Officer
$5.15M
@ $1715.27 · 2024-08-12
WEBER STEVEN P.
Chief Financial Officer
$3.12M
@ $1735.00 · 2024-08-09
SCADINA MARK R
General Counsel
$6.00M
@ $1714.18 · 2024-08-08
SCADINA MARK R
General Counsel
$6.93M
@ $1385.77 · 2024-06-14
SCADINA MARK R
General Counsel
$10.61M
@ $1372.58 · 2024-05-24
MCMORRIS MARC F
Director
$2.26M
@ $1413.20 · 2024-05-17
LANSING WILLIAM J
Chief Executive Officer
$9.12M
@ $1140.55 · 2024-04-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →BAC
😐Neutral(47/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
FICO
😨Fear(24/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →BAC
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (47)
FICO
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (24)