WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Nomura Holdings Inc ADR generates 1803% more annual revenue ($2.17T vs $113.93B). BAC leads profitability with a 29.5% profit margin vs 16.7%. NMR appears more attractively valued with a PEG of 0.82. BAC earns a higher WallStSmart Score of 82/100 (A-).

BAC

Exceptional Buy

82

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 6.3Quality: 3.0
Piotroski: 5/9Altman Z: -0.27

NMR

Strong Buy

70

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 7.0Quality: 3.5
Piotroski: 4/9Altman Z: 0.53

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.2/10
Market CapQuality
$439.84B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
38.3%10/10

Strong operational efficiency at 38.3%

Free Cash FlowQuality
$41.77B10/10

Generating 41.8B in free cash flow

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

NMR4 strengths · Avg: 8.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

PEG RatioValuation
0.828/10

Growing faster than its price suggests

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
27.5%8/10

Revenue surging 27.5% year-over-year

Areas to Watch

BAC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

Debt/EquityHealth
2.431/10

Elevated debt levels

NMR3 concerns · Avg: 2.3/10
EPS GrowthGrowth
4.1%4/10

4.1% earnings growth

Altman Z-ScoreHealth
0.532/10

Distress zone — elevated risk

Debt/EquityHealth
4.671/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 29.5% and operating margin at 38.3%. Revenue growth of 16.8% demonstrates continued momentum.

Bull Case : NMR

The strongest argument for NMR centers on Price/Book, PEG Ratio, P/E Ratio. Profitability is solid with margins at 16.7% and operating margin at 19.5%. Revenue growth of 27.5% demonstrates continued momentum.

Bear Case : BAC

The primary concerns for BAC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.43 is elevated, increasing financial risk.

Bear Case : NMR

The primary concerns for NMR are EPS Growth, Altman Z-Score, Debt/Equity. Debt-to-equity of 4.67 is elevated, increasing financial risk.

Key Dynamics to Monitor

BAC carries more volatility with a beta of 1.17 — expect wider price swings.

NMR is growing revenue faster at 27.5% — sustainability is the question.

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

Bottom Line

BAC scores higher overall (82/100 vs 70/100), backed by strong 29.5% margins and 16.8% 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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