BAC
Bank of America Corporation
BAC has the edge over INTR overall, supported by lower modeled downside and stronger modeled upside.
INTR
Inter & Co, Inc.
INTR 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.
INTR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
INTR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like INTR.
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.
INTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.4x | $3.96 | — |
| Cheap | 9.4x | $5.82 | +47% |
| Fair | 17x | $10.51 | +165% |
| Expensive | 60x | $37.23 | +840% |
Historical ranges are pointers, not guarantees.
INTR 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 INTR on the outlook, with more favorable profitability expectations.
INTR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for INTR, 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 INTR on earnings, with more consistent year-over-year improvement.
INTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.62 | +38% |
| Q1 2026 | $0.58 | +41% |
| Q4 2025 | $0.54 | +46% |
| Q3 2023 | $0.08 | +$0.10 |
| Q2 2023 | $0.03 | +200% |
| Q1 2023 | -$0.00 | -100% |
| Q4 2022 | -$0.01 | -150% |
| Q3 2022 | -$0.02 | -200% |
INTR's earnings per share have climbed steadily: $0.62 over the past year, up 38% from the year before, and higher year over year for nine 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'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 INTR on profitability, with a higher operating margin.
INTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $820.6M | +34% |
| Q1 2026 | $750.6M | +39% |
| Q4 2025 | $737.3M | +48% |
| Q3 2025 | $683.2M | +52% |
| Q2 2025 | $613.6M | +52% |
| Q1 2025 | $540.1M | +39% |
| Q4 2024 | $498.7M | +112% |
| Q3 2024 | $449.7M | +23% |
INTR has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 11% | +0.2 points |
| Q1 2026 | 11% | -0.5 points |
| Q4 2025 | 11% | -0.9 points |
| Q3 2025 | 11% | -0.8 points |
| Q2 2025 | 11% | -2 points |
| Q1 2025 | 12% | -0.8 points |
| Q4 2024 | 12% | -1.3 points |
| Q3 2024 | 12% | +4.6 points |
INTR's operating margin was 11% last quarter, about level with 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 has the edge over INTR on cash generation, producing positive trailing cash flow while its opponent burns cash.
INTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$587.3M | -236% |
| Q1 2026 | $56.3M | -74% |
| Q4 2025 | $212.4M | -45% |
| Q3 2025 | -$155.9M | -602% |
| Q2 2025 | $431M | +570% |
| Q1 2025 | $213.9M | +$437.3M |
| Q3 2024 | $31M | -90% |
| Q2 2024 | $64.3M | -89% |
INTR's free cash flow was −$475M over the past year, against $1.1B the year before. Free cash flow isn't a meaningful measure for financial services companies like INTR.
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 INTR 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.
INTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +2.2M shares |
| 1 year | +0.9% | +3.9M shares |
| 3 years | +11% | +46M shares |
| 5 years | +12% | +46.6M shares |
| Available history | -79% | -1.7B shares |
INTR has 448M diluted shares, up 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $48,657 |
| Q3 2025 | $5.9M |
| Q2 2025 | $1M |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $39,007 |
INTR spent $6M buying back its own shares over the past year, about six times what it spent the year before.
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 has the edge over INTR on leverage, with a lower net debt burden relative to earnings.
INTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 9.7x | High |
| Q1 2026 | 10.2x | High |
| Q4 2025 | 9.5x | High |
| Q3 2025 | 4.3x | High |
| Q2 2025 | 4.7x | High |
| Q1 2025 | 5.2x | High |
| Q4 2024 | 3.6x | Elevated |
| Q3 2024 | 4.6x | High |
INTR's net debt is about 9.7 years of its operating earnings (EBITDA), up from 4.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like INTR.
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).
INTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.6 | Neutral |
| Stochastic | 3.4 | Oversold |
INTR's weekly RSI is 38 (neutral) and its Stochastic is 3 (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.
INTR PE vs Financial Services Sector
| Metric | INTR | Sector median | Relative |
|---|---|---|---|
| PE | 6.4x | 13x | 51% below |
| PE % | 2 | 59 | 57 pts below |
INTR has the edge over BAC on valuation relative to its sector.
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 INTR on trend strength, trading above more of its moving averages.
INTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $5.50 | 28% below |
| 20 week MA | $5.48 | 28% below |
| 50 week MA | $6.82 | 42% below |
| 100 week MA | $6.86 | 42% below |
| 200 week MA | $5.78 | 31% below |
INTR is in a downtrend: it's below all five of its weekly moving averages, and 31% 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 INTR on returns for 2026, with the stronger performance.
INTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $3.39 | $2.13 | -37% |
| 2023 | $2.13 | $5.56 | +161% |
| 2024 | $5.56 | $4.25 | -24% |
| 2025 | $4.25 | $8.45 | +99% |
| 2026 YTD | $8.45 | $3.96 | -53% |
INTR has finished lower in two of the last four years. It's down 53% so far in 2026.