Bank of America Corp (BAC)vsProgressive Corp (PGR)
BAC
Bank of America Corp
$50.54
-0.32%
FINANCIAL SERVICES · Cap: $345.08B
PGR
Progressive Corp
$233.53
+0.84%
FINANCIAL SERVICES · Cap: $134.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 25% more annual revenue ($114.87B vs $91.70B). BAC leads profitability with a 28.1% profit margin vs 12.7%. BAC appears more attractively valued with a PEG of 0.91. BAC earns a higher WallStSmart Score of 72/100 (B).
BAC
Strong Buy72
out of 100
Grade: B
PGR
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.3%
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.4B in free cash flow
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Negative free cash flow — burning cash
Distress zone — elevated risk
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.91 suggests the stock is reasonably priced for its growth.
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 Debt/Equity, EPS Growth, Free Cash Flow.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
BAC profiles as a mature stock while PGR is a value play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.21 — expect wider price swings.
BAC is growing revenue faster at 7.1% — sustainability is the question.
PGR generates stronger free cash flow (4.4B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (72/100 vs 53/100), backed by strong 28.1% margins. Both earn "Strong 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.
Visit Website →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.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?