Bank of America Corp (BAC)vsVoya Financial Inc (VOYA)
BAC
Bank of America Corp
$51.14
+0.57%
FINANCIAL SERVICES · Cap: $358.24B
VOYA
Voya Financial Inc
$96.56
-0.29%
FINANCIAL SERVICES · Cap: $8.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 1307% more annual revenue ($114.87B vs $8.17B). BAC leads profitability with a 28.1% profit margin vs 7.5%. BAC appears more attractively valued with a PEG of 0.85. BAC earns a higher WallStSmart Score of 72/100 (B).
BAC
Strong Buy72
out of 100
Grade: B
VOYA
Hold50
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 31.3%
Generating 29.0B in free cash flow
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Distress zone — elevated risk
7.5% margin — thin
Revenue declined 4.3%
Earnings declined 41.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.
Bear Case : VOYA
The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BAC profiles as a mature stock while VOYA 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.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (72/100 vs 50/100), backed by strong 28.1% margins. Both earn "Strong Buy" and "Hold" 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 →Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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