BAC
Bank of America Corporation
BAC has the edge over GGAL overall, supported by stronger fundamentals and lower modeled downside.
GGAL
Grupo Financiero Galicia S.A.
GGAL's outlook is improving, though it still trails on the overall score.
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.
GGAL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| N/A | |
| N/A |
GGAL's revenue is currently healthy, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like GGAL.
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 has the edge over GGAL in the historical PE scenario, which offers more potential upside but is not a forecast.
GGAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.9x | $3.40 | -88% |
| Fair | 5.9x | $5.21 | -82% |
| Expensive | 13x | $11.55 | -60% |
| Current | 33x | $29.04 | — |
Historical ranges are pointers, not guarantees.
GGAL's PE is 33x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
GGAL Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for GGAL, with profitability improving.
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% |
BAC has the edge over GGAL on earnings, with more consistent year-over-year improvement.
GGAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.88 | -80% |
| Q1 2026 | $0.53 | -92% |
| Q4 2025 | $0.33 | -96% |
| Q3 2025 | $3.21 | -27% |
| Q2 2025 | $4.47 | +6.2% |
| Q1 2025 | $6.29 | +137% |
| Q4 2024 | $7.91 | +523% |
| Q3 2024 | $4.41 | +123% |
GGAL's earnings per share have fallen from their peak: $0.88 over the past year, against $7.91 in late 2024.
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 has the edge over GGAL on sales, with more consistent year-over-year improvement.
| 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 GGAL on profitability, with a higher operating margin.
GGAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1.8B | +33% |
| Q1 2026 | $1.7B | +72% |
| Q4 2025 | $4.5B | +153% |
| Q3 2025 | $1.3B | +7.8% |
| Q2 2025 | $1.4B | -17% |
| Q1 2025 | $964.2M | -64% |
| Q3 2024 | $1.2B | -47% |
| Q2 2024 | $1.6B | +81% |
GGAL's revenue has grown year over year for four quarters in a row: $1.8B last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 14% | +1.1 points |
| Q1 2026 | 2.7% | -13 points |
| Q4 2025 | -1.1% | -28 points |
| Q3 2025 | -8.8% | -23 points |
| Q2 2025 | 13% | -22 points |
| Q1 2025 | 16% | +2.1 points |
| Q4 2024 | 27% | N/A |
| Q3 2024 | 14% | +7.5 points |
GGAL's operating margin was 14% last quarter, up 1.1 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.
GGAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$452.7M | +$434.2M |
| Q1 2026 | $460.7M | +$1.2B |
| Q4 2025 | -$1.8B | -$922.9M |
| Q3 2025 | $4.9B | +$6.3B |
| Q2 2025 | -$886.9M | -209% |
| Q1 2025 | -$760M | -869% |
| Q4 2024 | -$917.7M | +$359.2M |
| Q3 2024 | -$1.4B | -$855.6M |
GGAL's free cash flow was $3.1B over the past year, against −$3.9B the year before. Free cash flow isn't a meaningful measure for financial services companies like GGAL.
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 GGAL 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.
GGAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +22.6K shares |
| 1 year | 0% | +22.6K shares |
| 3 years | +8.6% | +12.7M shares |
| 5 years | +8.6% | +12.7M shares |
| Available history | +12% | +17.5M shares |
GGAL has 161M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q4 2024 | $633,823 |
| Q3 2024 | — |
| Q2 2024 | — |
GGAL 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.
GGAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -5.0x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -8.9x | Net Cash |
| Q3 2025 | -4.4x | Net Cash |
| Q2 2025 | -2.2x | Net Cash |
| Q1 2025 | -2.6x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
| Q3 2024 | -3.1x | Net Cash |
GGAL has the edge over BAC on leverage, with a lower net debt burden relative to earnings.
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).
GGAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 31.2 | Neutral |
| Stochastic | 1.6 | Oversold |
GGAL's weekly RSI is 31 (neutral) and its Stochastic is 2 (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 has the edge over GGAL on valuation relative to its sector.
GGAL PE vs Financial Services Sector
| Metric | GGAL | Sector median | Relative |
|---|---|---|---|
| PE | 33x | 13x | 154% above |
| PE % | 91 | 63 | 28 pts above |
GGAL is trading at 33x earnings, a 154% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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 GGAL on trend strength, trading above more of its moving averages.
GGAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.5 | 16% below |
| 20 week MA | $41.6 | 30% below |
| 50 week MA | $45.6 | 36% below |
| 100 week MA | $49.2 | 41% below |
| 200 week MA | $36.8 | 21% below |
GGAL is in a downtrend: it's below all five of its weekly moving averages, and 21% 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 GGAL on returns for 2026, with the stronger performance.
GGAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.4 | $8.68 | -47% |
| 2021 | $8.68 | $9.69 | +12% |
| 2022 | $9.69 | $9.28 | -4.2% |
| 2023 | $9.28 | $17.3 | +86% |
| 2024 | $17.3 | $64.3 | +272% |
| 2025 | $64.3 | $55.6 | -14% |
| 2026 YTD | $55.6 | $29.0 | -48% |
GGAL's yearly returns have swung widely, from +272% in 2024 to −47% in 2020. It's down 48% so far in 2026.