BAC
Bank of America Corporation
BAC has the edge over IBN overall, supported by stronger fundamentals and stronger modeled upside.
IBN
ICICI Bank Limited
IBN 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.
IBN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
IBN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like IBN.
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.
IBN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 18x | $30.21 | -12% |
| Fair | 19x | $32.33 | -6% |
| Expensive | 21x | $34.73 | +1% |
| Current | 21x | $34.39 | — |
Historical ranges are pointers, not guarantees.
IBN has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over IBN on the outlook, with more favorable profitability expectations.
IBN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for IBN, but weaker profitability.
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 IBN on earnings, with stronger typical year-over-year growth.
IBN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $1.66 | +5.7% |
| Q1 2026 | $1.60 | +5.3% |
| Q4 2025 | $1.57 | +7.5% |
| Q3 2025 | $1.58 | +12% |
| Q2 2025 | $1.57 | +16% |
| Q1 2025 | $1.52 | +15% |
| Q4 2024 | $1.46 | +15% |
| Q3 2024 | $1.41 | +18% |
IBN's earnings per share have climbed steadily: $1.66 over the past year, up 5.7% from the year before, and higher year over year for 15 quarters in a row.
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 IBN 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
IBN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $6.6B | -18% |
| Q1 2026 | $9B | +6.1% |
| Q4 2025 | $8.3B | +3.8% |
| Q3 2025 | $8.1B | +4.4% |
| Q2 2025 | $8B | +11% |
| Q1 2025 | $8.5B | +20% |
| Q4 2024 | $8B | +25% |
| Q3 2024 | $7.8B | +27% |
IBN's revenue has held roughly level: $6.6B last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 35% | +8.6 points |
| Q1 2026 | 25% | +0.8 points |
| Q4 2025 | 23% | -1.6 points |
| Q3 2025 | 25% | -0.4 points |
| Q2 2025 | 26% | +1.2 points |
| Q1 2025 | 24% | -0.8 points |
| Q4 2024 | 25% | -1.1 points |
| Q3 2024 | 25% | -1 points |
IBN has the edge over BAC on profitability, with a higher operating margin.
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 has the edge over IBN on cash flow, with more consistent year-over-year improvement.
IBN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
IBN's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like IBN.
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 IBN 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.
IBN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +2.6M shares |
| 1 year | +0.1% | +3M shares |
| 3 years | +1.7% | +59.4M shares |
| 5 years | +2.6% | +92.9M shares |
| Available history | +7.5% | +254M shares |
IBN has 3.6B 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 | — |
IBN 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.
IBN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | -0.6x | Net Cash |
| Q4 2025 | 2.0x | Healthy |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | -0.4x | Net Cash |
| Q4 2024 | 0.6x | Very low |
| Q3 2024 | 0.8x | Very low |
IBN 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).
IBN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.0 | Overbought |
| Stochastic | 85.3 | Overbought |
IBN's weekly RSI is 71 (overbought) and its Stochastic is 85 (overbought).
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 IBN on valuation relative to its sector.
IBN PE vs Financial Services Sector
| Metric | IBN | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 13x | 60% above |
| PE % | 79 | 63 | 16 pts above |
IBN is trading at 21x earnings, a 60% 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 fallen below most of its moving averages, though it's still 19% above its 200-week average.
IBN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.1 | 14% above |
| 20 week MA | $29.8 | 15% above |
| 50 week MA | $29.0 | 19% above |
| 100 week MA | $30.2 | 14% above |
| 200 week MA | $27.7 | 24% above |
IBN 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.
IBN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.3 | $14.0 | -8.4% |
| 2021 | $14.0 | $19.3 | +38% |
| 2022 | $19.3 | $21.6 | +12% |
| 2023 | $21.6 | $23.8 | +11% |
| 2024 | $23.8 | $30.5 | +28% |
| 2025 | $30.5 | $30.1 | -1.3% |
| 2026 YTD | $30.1 | $34.4 | +14% |
IBN has the edge over BAC on returns for 2026, with the stronger performance.