BAC
Bank of America Corporation
BAC has the edge over BSBR overall, supported by stronger modeled upside and lower modeled downside.
BSBR
Banco Santander (Brasil) S.A.
BSBR trails on the overall score without a compensating advantage in the available component scores.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
BSBR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
BSBR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BSBR.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
BSBR PE Valuation
BSBR has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over BSBR on the outlook, with more favorable earnings and revenue expectations.
BSBR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Weakening | |
| Limited | |
| Low |
Analysts expect BSBR's profitability to weaken, with its earnings and revenue holding steady. However, they disagree widely on these estimates.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BSBR has the stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus BSBR up 70%.
BSBR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2025 | $0.51 | +70% |
| Q2 2025 | $0.12 | -56% |
| Q1 2025 | $0.16 | -30% |
| Q4 2024 | $0.16 | -30% |
| Q3 2024 | $0.30 | +20% |
| Q2 2024 | $0.27 | +3.8% |
| Q1 2024 | $0.23 | -28% |
| Q4 2023 | $0.23 | -32% |
BSBR earned $0.51 per share over the past year, up 70% from the year before.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC's revenue has grown year over year for 10 quarters in a row: $30B last quarter, up 6.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC has the edge over BSBR on profitability, with a higher operating margin.
BSBR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $7B | +13% |
| Q1 2026 | $6.9B | +6.7% |
| Q4 2025 | $7.6B | +20% |
| Q3 2025 | $42.9B | +611% |
| Q2 2025 | $6.2B | +18% |
| Q1 2025 | $6.4B | +17% |
| Q4 2024 | $6.3B | +11% |
| Q3 2024 | $6B | +9.4% |
BSBR has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 8.7% | -2.1 points |
| Q1 2026 | 12% | +6.5 points |
| Q4 2025 | 12% | -1 points |
| Q3 2025 | 11% | -5.2 points |
| Q2 2025 | 5.7% | -12 points |
| Q1 2025 | 13% | -1.5 points |
| Q4 2024 | 12% | +3.4 points |
| Q3 2024 | 16% | +4.6 points |
BSBR's operating margin was 8.7% last quarter, up 3 points from the same quarter a year ago.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
BSBR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $2.9B | +$5B |
| Q1 2026 | $7B | +21% |
| Q4 2025 | -$3.8B | +$3.9B |
| Q3 2025 | $444.5M | -91% |
| Q2 2025 | -$2.1B | -190% |
| Q1 2025 | $5.8B | +$9.7B |
| Q4 2024 | -$7.7B | -$5.3B |
| Q3 2024 | $5B | -53% |
BSBR's free cash flow was $6.5B over the past year, about seven times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like BSBR.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over BSBR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
BSBR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -2.2M shares |
| 1 year | +0.2% | +16.6M shares |
| 3 years | +0.6% | +43.1M shares |
| 5 years | 0% | -2.8M shares |
| Available history | 0% | -2.8M shares |
BSBR has 7.5B diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
BSBR hasn't bought back shares in the past year.
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
BSBR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | 24.0x | High |
| Q2 2025 | -2.2x | Net Cash |
| Q1 2025 | -3.6x | Net Cash |
| Q4 2024 | -3.2x | Net Cash |
| Q3 2024 | 1.4x | Healthy |
| Q2 2024 | 3.1x | Elevated |
| Q1 2024 | 4.1x | High |
| Q4 2023 | -4.0x | Net Cash |
BSBR's net debt is more than 20 years of its operating earnings (EBITDA), up from 1.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BSBR.
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
BSBR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.0 | Neutral |
| Stochastic | 18.6 | Oversold |
BSBR's weekly RSI is 43 (neutral) and its Stochastic is 19 (oversold).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
BSBR PE vs Financial Services Sector
BSBR has no meaningful PE right now: it lost money over the past year.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has the edge over BSBR on trend strength, trading above more of its moving averages.
BSBR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $5.27 | 4.7% below |
| 20 week MA | $5.49 | 8.6% below |
| 50 week MA | $5.79 | 13% below |
| 100 week MA | $5.40 | 7% below |
| 200 week MA | $5.46 | 8.1% below |
BSBR is in a downtrend: it's below all five of its weekly moving averages, and 8.1% below its 200-week average.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has the edge over BSBR on returns for 2026, with the stronger performance.
BSBR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.4 | $8.29 | -27% |
| 2021 | $8.29 | $5.36 | -35% |
| 2022 | $5.36 | $5.47 | +2.1% |
| 2023 | $5.47 | $6.55 | +20% |
| 2024 | $6.55 | $3.87 | -41% |
| 2025 | $3.87 | $6.16 | +59% |
| 2026 YTD | $6.16 | $5.02 | -19% |
BSBR has finished lower in three of the last six years. It's down 19% so far in 2026.