COMP <GO>
SLM vs BAC // PIOTROSKI F-SCORE QUALITY
SLM Corporation (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: SLM 8
— BAC 4
▲ PIOTROSKI F-SCORE QUALITY LEADER: BAC
LAST: $17.88 (+0.45%) • MKT CAP: $3.25B
piotroski-score
5/9
LAST: $49.57 (-0.88%) • MKT CAP: $349.71B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SLM VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SLM | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.40% | 2.50% | +4.90 | SLM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.2x | 30.2x | -19.00 | SLM | /valuation <GO> |
| Free Cash Flow Yield | -13.21% | 2.10% | -15.31 | BAC | /fcf-yield <GO> |
| Operating Margin | 75.00% | 32.90% | +42.10 | SLM | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | SLM | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 6.80% | +16.30 | SLM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.23% | 0.00% | +3.23 | SLM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 5/9 | 7/9 | -2.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 27.3 | 32.7 | -5.40 | BAC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.06 | 0.90 | +0.16 | SLM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.2x | 10.9x | -6.70 | SLM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.25B | $349.71B | -$346.45B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SLM REV | BAC REV | SLM GROSS % | BAC GROSS % | SLM FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.46B | $113.10B | — | — | -$398.6M | $7.52B |
| FY 2024 | $2.01B | $105.86B | — | — | -$329.4M | -$13.57B |
| FY 2023 | $1.92B | $102.77B | — | — | -$144.6M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SLM // BETA 1.06
BAC // BETA 0.90