BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
SPNT
SiriusPoint Ltd.
SPNT has the edge over BAC overall, supported by stronger fundamentals and 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.
SPNT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SPNT'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 SPNT.
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 SPNT in the historical PE scenario, which offers more potential upside but is not a forecast.
SPNT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $14.23 | -47% |
| Current | 6.6x | $26.81 | — |
| Fair | 7.8x | $31.56 | +18% |
| Forward | 9.9x | $26.81 | — |
| Expensive | 19x | $78.26 | +192% |
Historical ranges are pointers, not guarantees.
SPNT's PE is in its fair range at 6.6x. On analysts' estimates for next year's earnings, today's price would be 9.9x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over SPNT on the outlook, with more favorable valuation and revenue expectations.
SPNT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Growth | |
| Stable | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect SPNT's earnings to grow, with its revenue and profitability 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.
SPNT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | -33% |
| Q3 2026 | $4.06 | +143% |
| Q2 2026 | $4.05 | +318% |
| Q1 2026 | $3.97 | +282% |
| Q4 2025 | $3.64 | +250% |
| Q3 2025 | $1.67 | +6.4% |
| Q2 2025 | $0.97 | -48% |
| Q1 2025 | $1.04 | -37% |
| Q4 2024 | $1.04 | -47% |
SPNT earned $4.06 per share over the past year, up 143% 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 has the edge over SPNT 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 SPNT on profitability, with a higher operating margin.
SPNT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $867.6M | +15% |
| Q2 2026 | $744.1M | -0.5% |
| Q1 2026 | $774.6M | +6.5% |
| Q4 2025 | $973.7M | +59% |
| Q3 2025 | $755.9M | +34% |
| Q2 2025 | $748.2M | +0.7% |
| Q1 2025 | $727.3M | +6.1% |
| Q4 2024 | $612.8M | -5.1% |
SPNT's revenue has picked up after two years of holding roughly level: $868M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | -2.7 points |
| Q2 2026 | 11% | +1.3 points |
| Q1 2026 | 16% | +5.3 points |
| Q4 2025 | 29% | +31 points |
| Q3 2025 | 15% | +13 points |
| Q2 2025 | 10% | -7.3 points |
| Q1 2025 | 10% | -5.1 points |
| Q4 2024 | -2.1% | -1.8 points |
SPNT's operating margin was 12% last quarter, down 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.
SPNT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $170M | +9.3% |
| Q2 2026 | -$5.2M | -108% |
| Q1 2026 | $141.9M | +$230.8M |
| Q4 2025 | -$26.4M | -125% |
| Q3 2025 | $155.6M | +168% |
| Q2 2025 | $62.1M | +$209M |
| Q1 2025 | -$88.9M | -259% |
| Q4 2024 | $107.7M | -50% |
SPNT's free cash flow was $280M over the past year, up 19% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SPNT.
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 SPNT 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.
SPNT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -1.8M shares |
| 1 year | -1.4% | -1.7M shares |
| 3 years | -30% | -51.3M shares |
| 5 years | -27% | -43.1M shares |
| Available history | +26% | +24.5M shares |
SPNT has 117M diluted shares, down 1.4% from a year ago, with $101M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $27.3M |
| Q2 2026 | $51.4M |
| Q1 2026 | $21.9M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $490.8M |
| Q4 2024 | $170M |
SPNT spent $101M buying back its own shares over the past year, down 85% from 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'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.
SPNT 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).
SPNT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.5 | Neutral |
| Stochastic | 84.7 | Overbought |
SPNT's weekly RSI is 67 (neutral) 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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
SPNT PE vs Financial Services Sector
| Metric | SPNT | Sector median | Relative |
|---|---|---|---|
| PE | 6.6x | 13x | 49% below |
| PE % | 38 | 63 | 25 pts below |
SPNT 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 fallen below most of its moving averages, though it's still 19% above its 200-week average.
SPNT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.6 | 4.8% above |
| 20 week MA | $24.8 | 8.1% above |
| 50 week MA | $23.0 | 17% above |
| 100 week MA | $20.3 | 32% above |
| 200 week MA | $15.8 | 70% above |
SPNT 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.
SPNT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.5 | $9.26 | -12% |
| 2021 | $9.26 | $8.25 | -11% |
| 2022 | $8.25 | $6.25 | -24% |
| 2023 | $6.25 | $11.6 | +86% |
| 2024 | $11.6 | $14.2 | +23% |
| 2025 | $14.2 | $22.3 | +57% |
| 2026 YTD | $22.3 | $26.8 | +20% |
SPNT has the edge over BAC on returns for 2026, with the stronger performance.