BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
KNSL
Kinsale Capital Group, Inc.
KNSL has the edge over BAC overall, supported by stronger valuation.
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.
KNSL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
KNSL'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 KNSL.
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.
KNSL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 17x | $390 | — |
| Forward | 18x | $390 | — |
| Cheap | 23x | $526 | +35% |
| Fair | 33x | $767 | +97% |
| Expensive | 47x | $1,068 | +174% |
Historical ranges are pointers, not guarantees.
KNSL 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 KNSL on the outlook, with more favorable valuation and revenue expectations.
KNSL Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect KNSL's earnings to grow and its profitability to improve, with its revenue holding steady.
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's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
KNSL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $21.55 | -6% |
| Q3 2026 | $22.93 | +13% |
| Q2 2026 | $24.66 | +29% |
| Q1 2026 | $22.70 | +31% |
| Q4 2025 | $21.65 | +22% |
| Q3 2025 | $20.35 | +16% |
| Q2 2025 | $19.16 | +20% |
| Q1 2025 | $17.37 | +15% |
| Q4 2024 | $17.78 | +34% |
KNSL has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 KNSL on profitability, with a higher operating margin.
KNSL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $454.8M | -8.6% |
| Q2 2026 | $548.5M | +17% |
| Q1 2026 | $466.7M | +10% |
| Q4 2025 | $483.3M | +17% |
| Q3 2025 | $497.5M | +19% |
| Q2 2025 | $469.8M | +22% |
| Q1 2025 | $423.4M | +14% |
| Q4 2024 | $412.1M | +17% |
KNSL's revenue is growing: $455M last quarter, down 8.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | -8.8 points |
| Q2 2026 | 40% | +4.3 points |
| Q1 2026 | 30% | +3.4 points |
| Q4 2025 | 36% | +2.5 points |
| Q3 2025 | 36% | +1.4 points |
| Q2 2025 | 36% | +5.7 points |
| Q1 2025 | 27% | -4.5 points |
| Q4 2024 | 34% | -3.4 points |
KNSL's operating margin was 27% last quarter, down 8.8 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.
KNSL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $261.8M | -9.6% |
| Q2 2026 | $239.1M | -5.1% |
| Q1 2026 | $241.3M | +11% |
| Q4 2025 | $230.8M | +14% |
| Q3 2025 | $289.5M | +8% |
| Q2 2025 | $252.1M | -8.4% |
| Q1 2025 | $217.6M | +5.2% |
| Q4 2024 | $202.2M | -3.9% |
KNSL's free cash flow was $973M over the past year, up 1.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like KNSL.
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 KNSL 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.
KNSL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -281K shares |
| 1 year | -3.3% | -767K shares |
| 3 years | -3.5% | -811K shares |
| 5 years | -2.4% | -560K shares |
| Available history | +1.7% | +368K shares |
KNSL has 23M diluted shares, down 3.3% from a year ago, with $313M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $100M |
| Q2 2026 | $100.6M |
| Q1 2026 | $62.5M |
| Q4 2025 | $50M |
| Q3 2025 | $20M |
| Q2 2025 | $10M |
| Q1 2025 | $10M |
KNSL spent $313M buying back its own shares over 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.
KNSL Net Leverage
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).
KNSL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.7 | Neutral |
| Stochastic | 71.9 | Neutral |
KNSL's weekly RSI is 62 (neutral) and its Stochastic is 72 (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 KNSL on valuation relative to its sector.
KNSL PE vs Financial Services Sector
| Metric | KNSL | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 31% above |
| PE % | 10 | 63 | 53 pts below |
KNSL is trading at 17x earnings, a 31% 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.
KNSL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $358.3 | 8.8% above |
| 20 week MA | $360.9 | 8% above |
| 50 week MA | $357.7 | 9% above |
| 100 week MA | $403.3 | 3.3% below |
| 200 week MA | $399.6 | 2.4% below |
KNSL 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.
KNSL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $100.7 | $207.3 | +106% |
| 2021 | $207.3 | $224.4 | +8.2% |
| 2022 | $224.4 | $273.8 | +22% |
| 2023 | $273.8 | $334.9 | +22% |
| 2024 | $334.9 | $470.7 | +41% |
| 2025 | $470.7 | $393.4 | -16% |
| 2026 YTD | $393.4 | $389.8 | -0.9% |
KNSL has the edge over BAC on returns for 2026, with the stronger performance.