BAC
Bank of America Corporation
BAC has the edge over WU overall, supported by stronger fundamentals and stronger modeled upside.
WU
The Western Union Company
WU 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.
WU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WU's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WU.
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 WU in the historical PE scenario, which offers more potential upside but is not a forecast.
WU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 4.6x | $6.65 | — |
| Cheap | 4.8x | $5.02 | -25% |
| Current | 6.3x | $6.65 | — |
| Fair | 6.8x | $7.12 | +7.1% |
| Expensive | 11x | $11.13 | +67% |
Historical ranges are pointers, not guarantees.
WU's PE is in its fair range at 6.3x. On analysts' estimates for next year's earnings, today's price would be 4.6x, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over WU on the outlook, with more favorable earnings and revenue expectations.
WU Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Stable | |
| Weakening | |
| Moderate | |
| Low |
Analysts expect WU's earnings and profitability to decline, with its revenue holding steady. However, they disagree widely on these estimates.
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 WU on earnings, with more consistent year-over-year improvement.
WU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.44 | +37% |
| Q3 2026 | $1.05 | -54% |
| Q2 2026 | $1.23 | -54% |
| Q1 2026 | $1.36 | -49% |
| Q4 2025 | $1.52 | -45% |
| Q3 2025 | $2.30 | +18% |
| Q2 2025 | $2.65 | +63% |
| Q1 2025 | $2.69 | +59% |
| Q4 2024 | $2.74 | +63% |
WU's earnings per share have fallen from their peak: $1.05 over the past year, against $2.74 in late 2024.
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 WU 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 WU on profitability, with a higher operating margin.
WU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | -2.3% |
| Q2 2026 | $1B | -1.3% |
| Q1 2026 | $982.7M | -0.1% |
| Q4 2025 | $1B | -4.7% |
| Q3 2025 | $1B | -0.3% |
| Q2 2025 | $1B | -3.8% |
| Q1 2025 | $983.6M | -6.2% |
| Q4 2024 | $1.1B | +0.6% |
WU's revenue fell from its 2019 peak and has held roughly level since: $1B last quarter, down 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -6.6 points |
| Q2 2026 | 13% | -5.7 points |
| Q1 2026 | 13% | -5.5 points |
| Q4 2025 | 18% | +1.6 points |
| Q3 2025 | 20% | +3.6 points |
| Q2 2025 | 19% | +0.9 points |
| Q1 2025 | 18% | -0.3 points |
| Q4 2024 | 17% | +1.7 points |
WU's operating margin was 13% last quarter, down 6.6 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
WU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $99.9M | -60% |
| Q2 2026 | $94.6M | +$102.4M |
| Q1 2026 | $102.6M | -29% |
| Q4 2025 | $115.5M | -3.5% |
| Q3 2025 | $252.7M | +23% |
| Q2 2025 | -$7.8M | +$31.1M |
| Q1 2025 | $144.8M | +74% |
| Q4 2024 | $119.7M | -54% |
WU's free cash flow was $413M over the past year, down 19% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WU.
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 WU 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.
WU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -100K shares |
| 1 year | -2.9% | -9.3M shares |
| 3 years | -16% | -61.5M shares |
| 5 years | -23% | -94.5M shares |
| Available history | -26% | -111M shares |
WU has 314M diluted shares, down 2.9% from a year ago, with $92M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $11.1M |
| Q1 2026 | $52.9M |
| Q4 2025 | $26.1M |
| Q3 2025 | $52.3M |
| Q2 2025 | $79.5M |
| Q1 2025 | $76.7M |
| Q4 2024 | $3.7M |
WU spent $92M buying back its own shares over the past year, down 57% 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.
WU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 1.9x | Healthy |
| Q1 2026 | 1.6x | Healthy |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.7x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.6x | Healthy |
WU 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).
WU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.4 | Neutral |
| Stochastic | 38.7 | Neutral |
WU's weekly RSI is 44 (neutral) and its Stochastic is 39 (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.
WU PE vs Financial Services Sector
| Metric | WU | Sector median | Relative |
|---|---|---|---|
| PE | 6.3x | 13x | 51% below |
| PE % | 42 | 63 | 21 pts below |
WU 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.
WU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.31 | 5.4% above |
| 20 week MA | $6.96 | 4.5% below |
| 50 week MA | $8.17 | 19% below |
| 100 week MA | $8.77 | 24% below |
| 200 week MA | $10.5 | 37% below |
WU has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 37% 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 WU on returns for 2026, with the stronger performance.
WU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $21.9 | -20% |
| 2021 | $21.9 | $17.8 | -19% |
| 2022 | $17.8 | $13.8 | -22% |
| 2023 | $13.8 | $11.9 | -14% |
| 2024 | $11.9 | $10.7 | -10% |
| 2025 | $10.7 | $9.40 | -12% |
| 2026 YTD | $9.40 | $6.65 | -29% |
WU has finished every year since 2020 lower, and it's down 29% so far in 2026.