WallStSmart

Bank of America Corp (BAC)vsNomura Holdings Inc ADR (NMR)

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Smart Verdict

WallStSmart Research — data-driven comparison

Nomura Holdings Inc ADR generates 1929% more annual revenue ($2.33T vs $114.87B). BAC leads profitability with a 28.1% profit margin vs 17.3%. NMR appears more attractively valued with a PEG of 0.82. NMR earns a higher WallStSmart Score of 84/100 (A-).

BAC

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 6/9Altman Z: -0.29

NMR

Exceptional Buy

84

out of 100

Grade: A-

Growth: 10.0Profit: 7.0Value: 7.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.53

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.8/10
Market CapQuality
$345.08B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
31.3%10/10

Strong operational efficiency at 31.3%

Free Cash FlowQuality
$29.04B10/10

Generating 29.0B in free cash flow

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

NMR6 strengths · Avg: 9.3/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.8%10/10

Strong operational efficiency at 30.8%

Revenue GrowthGrowth
31.2%10/10

Revenue surging 31.2% year-over-year

PEG RatioValuation
0.828/10

Growing faster than its price suggests

EPS GrowthGrowth
42.0%8/10

Earnings expanding 42.0% YoY

Areas to Watch

BAC3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.283/10

Elevated debt levels

EPS GrowthGrowth
-14.3%2/10

Earnings declined 14.3%

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

NMR2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.532/10

Distress zone — elevated risk

Debt/EquityHealth
8.941/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.91 suggests the stock is reasonably priced for its growth.

Bull Case : NMR

The strongest argument for NMR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 17.3% and operating margin at 30.8%. Revenue growth of 31.2% demonstrates continued momentum.

Bear Case : BAC

The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.

Bear Case : NMR

The primary concerns for NMR are Altman Z-Score, Debt/Equity. Debt-to-equity of 8.94 is elevated, increasing financial risk.

Key Dynamics to Monitor

BAC profiles as a mature stock while NMR is a growth play — different risk/reward profiles.

BAC carries more volatility with a beta of 1.21 — expect wider price swings.

NMR is growing revenue faster at 31.2% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NMR scores higher overall (84/100 vs 72/100), backed by strong 17.3% margins and 31.2% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bank of America Corp

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.

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Nomura Holdings Inc ADR

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Nomura Holdings, Inc. provides various financial services to individuals, corporations, financial institutions, governments, and government agencies worldwide. The company is headquartered in Tokyo, Japan.

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