WallStSmart

Bank of America Corp (BAC)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 25% more annual revenue ($113.93B vs $91.02B). BAC leads profitability with a 29.5% profit margin vs 12.9%. BAC appears more attractively valued with a PEG of 1.06. BAC earns a higher WallStSmart Score of 82/100 (A-).

BAC

Exceptional Buy

82

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 6.3Quality: 3.0
Piotroski: 5/9Altman Z: -0.27

PGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 4/9Altman Z: 1.33

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.2/10
Market CapQuality
$439.84B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
38.3%10/10

Strong operational efficiency at 38.3%

Free Cash FlowQuality
$41.77B10/10

Generating 41.8B in free cash flow

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

PGR4 strengths · Avg: 9.3/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
34.6%10/10

Every $100 of equity generates 35 in profit

Market CapQuality
$122.52B9/10

Large-cap with strong market position

Free Cash FlowQuality
$4.30B8/10

Generating 4.3B in free cash flow

Areas to Watch

BAC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

Debt/EquityHealth
2.431/10

Elevated debt levels

PGR2 concerns · Avg: 2.0/10
PEG RatioValuation
60.602/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 29.5% and operating margin at 38.3%. Revenue growth of 16.8% demonstrates continued momentum.

Bull Case : PGR

The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.

Bear Case : BAC

The primary concerns for BAC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.43 is elevated, increasing financial risk.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

BAC profiles as a growth stock while PGR is a value play — different risk/reward profiles.

BAC carries more volatility with a beta of 1.17 — expect wider price swings.

BAC is growing revenue faster at 16.8% — sustainability is the question.

BAC generates stronger free cash flow (41.8B), providing more financial flexibility.

Bottom Line

BAC scores higher overall (82/100 vs 61/100), backed by strong 29.5% margins and 16.8% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bank of America Corp

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.

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Progressive Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.

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