BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
TIPT
Tiptree Inc.
There isn't enough reported data to score TIPT yet.
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.
TIPT Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
TIPT's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like TIPT.
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.
TIPT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 1.6x | $17.52 | — |
| Cheap | 8.4x | $92.06 | +425% |
| Fair | 18x | $198 | +1029% |
| Expensive | 30x | $328 | +1775% |
Historical ranges are pointers, not guarantees.
TIPT 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
TIPT Forward outlook
There aren't enough analyst estimates for TIPT to show an outlook.
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.
TIPT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $10.91 | +883% |
| Q2 2026 | $10.90 | +758% |
| Q1 2026 | $0.97 | -20% |
| Q4 2025 | $0.76 | -42% |
| Q3 2025 | $1.11 | +13% |
| Q2 2025 | $1.27 | +74% |
| Q1 2025 | $1.21 | +109% |
| Q4 2024 | $1.30 | +294% |
TIPT's earnings per share have jumped to their highest in seven years: $10.91 over the past year, up from $1.11 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 stronger quarterly revenue trend. Revenue is up 6.7% for BAC versus down 100% for TIPT.
| 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.
TIPT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2025 | $540.3M | +9.3% |
| Q2 2025 | $528.8M | -3.3% |
| Q1 2025 | $497.4M | -0.2% |
| Q4 2024 | $503.6M | +13% |
| Q3 2024 | $494.4M | +19% |
| Q2 2024 | $546.7M | +35% |
| Q1 2024 | $498.2M | +31% |
| Q4 2023 | $446.4M | +21% |
TIPT's revenue has slid since its 2024 peak: $0 last quarter, down 100% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2025 | 7.1% | -0.4 points |
| Q2 2025 | 10% | +2.5 points |
| Q1 2025 | 5.1% | -0.9 points |
| Q4 2024 | 8.4% | +1.6 points |
| Q3 2024 | 7.4% | +2.4 points |
| Q2 2024 | 7.4% | +1.6 points |
| Q1 2024 | 6% | +3.8 points |
| Q4 2023 | 6.7% | 0 points |
TIPT's operating margin was 7.1% 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 TIPT on cash generation, producing positive trailing cash flow while its opponent burns cash.
TIPT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$182.1M | -237% |
| Q2 2026 | $53M | +164% |
| Q1 2026 | -$18.2M | +$16.3M |
| Q4 2025 | $49.2M | -28% |
| Q3 2025 | $133.4M | +120% |
| Q2 2025 | $20.1M | -56% |
| Q1 2025 | -$34.4M | -156% |
| Q4 2024 | $68.2M | +$91.8M |
TIPT's free cash flow was −$98M over the past year, against $187M the year before. Free cash flow isn't a meaningful measure for financial services companies like TIPT.
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 TIPT 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.
TIPT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +287K shares |
| 1 year | -2.1% | -796K shares |
| 3 years | +0.3% | +104K shares |
| 5 years | +11% | +3.7M shares |
| Available history | +9.8% | +3.4M shares |
TIPT has 38M diluted shares, down 2.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | $73,000 |
| Q3 2022 | $718,000 |
| Q2 2022 | $936,000 |
| Q1 2022 | — |
| Q4 2021 | $5.3M |
| Q3 2021 | — |
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.
TIPT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | 0.8x | Very low |
| Q2 2025 | 0.6x | Very low |
| Q1 2025 | 0.9x | Very low |
| Q4 2024 | 0.6x | Very low |
| Q3 2024 | -0.1x | Net Cash |
| Q2 2024 | -0.8x | Net Cash |
| Q1 2024 | -0.5x | Net Cash |
| Q4 2023 | -0.6x | Net Cash |
TIPT's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like TIPT.
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).
TIPT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.9 | Neutral |
| Stochastic | 46.4 | Neutral |
TIPT's weekly RSI is 50 (neutral) and its Stochastic is 46 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
TIPT PE vs Financial Services Sector
| Metric | TIPT | Sector median | Relative |
|---|---|---|---|
| PE | 1.6x | 13x | 88% below |
| PE % | 2 | 63 | 61 pts below |
TIPT 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.
TIPT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.1 | 2.6% above |
| 20 week MA | $17.7 | 0.7% below |
| 50 week MA | $17.5 | 0.2% above |
| 100 week MA | $19.3 | 9.3% below |
| 200 week MA | $18.2 | 3.7% below |
TIPT 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.
TIPT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.04 | $5.00 | -38% |
| 2021 | $5.00 | $13.7 | +174% |
| 2022 | $13.7 | $14.3 | +4.3% |
| 2023 | $14.3 | $19.0 | +33% |
| 2024 | $19.0 | $20.7 | +9.2% |
| 2025 | $20.7 | $18.1 | -13% |
| 2026 YTD | $18.1 | $17.5 | -3.3% |
TIPT has the edge over BAC on returns for 2026, with the stronger performance.