BAC
Bank of America Corporation
BAC has the edge over HGTY overall, supported by stronger modeled upside and lower modeled downside.
HGTY
Hagerty, Inc.
HGTY'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.
HGTY Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
HGTY's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like HGTY.
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 HGTY in the historical PE scenario, which offers more potential upside but is not a forecast.
HGTY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $15.80 | — |
| Cheap | 43x | $2.60 | -84% |
| Fair | 50x | $3.00 | -81% |
| Expensive | 138x | $8.26 | -48% |
| Current | 244x | $15.80 | — |
Historical ranges are pointers, not guarantees.
HGTY's PE is in its expensive range at 244x. If earnings grow as analysts expect, today's price would be 30x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
HGTY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Returning to profit | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect HGTY to return to profit, with revenue growing. 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% |
BAC has the edge over HGTY in the latest year-over-year earnings comparison.
HGTY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.53 | +775% |
| Q3 2026 | $0.06 | -79% |
| Q2 2026 | $0.09 | -57% |
| Q1 2026 | $0.20 | -4.8% |
HGTY earned $0.06 per share over the past year, down 79% 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 HGTY on profitability, with a higher operating margin.
HGTY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $354.2M | -6.8% |
| Q2 2026 | $354.8M | -3.8% |
| Q1 2026 | $311.8M | -2.4% |
| Q4 2025 | $357.3M | +22% |
| Q3 2025 | $380M | +18% |
| Q2 2025 | $368.7M | +18% |
| Q1 2025 | $319.6M | +18% |
| Q4 2024 | $291.7M | +19% |
HGTY's revenue has held roughly level: $354M last quarter, down 6.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +2.7 points |
| Q2 2026 | 0.6% | -12 points |
| Q1 2026 | -6.7% | -15 points |
| Q4 2025 | 11% | +9 points |
| Q3 2025 | 9% | +5.9 points |
| Q2 2025 | 13% | +0.8 points |
| Q1 2025 | 8.1% | +3.6 points |
| Q4 2024 | 2.1% | +4.7 points |
HGTY's operating margin was 12% last quarter, up 2.7 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.
HGTY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $86.4M | +1.4% |
| Q2 2026 | $161.7M | +239% |
| Q1 2026 | $8.5M | -78% |
| Q4 2025 | $23.1M | +$39.7M |
| Q3 2025 | $85.2M | +37% |
| Q2 2025 | $47.7M | -16% |
| Q1 2025 | $38.4M | -28% |
| Q4 2024 | -$16.7M | -$13.3M |
HGTY's free cash flow was $280M over the past year, up 81% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HGTY.
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 HGTY 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.
HGTY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -3.1M shares |
| 1 year | -0.7% | -2.3M shares |
| 3 years | +1.1% | +3.8M shares |
| 5 years | +1065% | +314M shares |
HGTY has 344M diluted shares, down 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2026 | — |
| Q4 2025 | — |
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.
HGTY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.1x | Net Cash |
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | -0.4x | Net Cash |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.1x | Very low |
| Q1 2025 | 0.0x | Very low |
| Q4 2024 | 0.0x | Very low |
HGTY 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).
HGTY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.8 | Neutral |
| Stochastic | 74.7 | Neutral |
HGTY's weekly RSI is 63 (neutral) and its Stochastic is 75 (neutral).
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 HGTY on valuation relative to its sector.
HGTY PE vs Financial Services Sector
| Metric | HGTY | Sector median | Relative |
|---|---|---|---|
| PE | 244x | 13x | 1,776% above |
| PE % | 99 | 66 | 33 pts above |
HGTY is trading at 244x earnings, a 1776% premium to the Financial Services sector's median of 13x.
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 fallen below most of its moving averages, though it's still 19% above its 200-week average.
HGTY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.2 | 3.9% above |
| 20 week MA | $13.8 | 15% above |
| 50 week MA | $12.4 | 27% above |
| 100 week MA | $11.4 | 38% above |
| 200 week MA | $10.4 | 52% above |
HGTY has the edge over BAC on trend strength, trading above more of its moving averages.
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 finished higher in four of the last six years. It's down 10% so far in 2026.
HGTY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $9.77 | $13.7 | +40% |
| 2022 | $13.7 | $7.95 | -42% |
| 2023 | $7.95 | $7.80 | -1.9% |
| 2024 | $7.80 | $9.83 | +26% |
| 2025 | $9.83 | $13.8 | +41% |
| 2026 YTD | $13.8 | $15.8 | +14% |
HGTY has the edge over BAC on returns for 2026, with the stronger performance.