Bank of America Corp (BAC)vsPrincipal Financial Group Inc (PFG)
BAC
Bank of America Corp
$49.42
-0.68%
FINANCIAL SERVICES · Cap: $345.08B
PFG
Principal Financial Group Inc
$110.91
-1.69%
FINANCIAL SERVICES · Cap: $23.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 591% more annual revenue ($114.87B vs $16.63B). BAC leads profitability with a 28.1% profit margin vs 11.9%. BAC appears more attractively valued with a PEG of 0.91. PFG earns a higher WallStSmart Score of 79/100 (B+).
BAC
Strong Buy72
out of 100
Grade: B
PFG
Strong Buy79
out of 100
Grade: B+
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
Earnings expanding 206.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 25.4% year-over-year
Generating 1.5B in free cash flow
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
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 : PFG
The strongest argument for PFG centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 25.4% demonstrates continued momentum. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, EPS Growth, Free Cash Flow.
Bear Case : PFG
The primary concerns for PFG are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
BAC profiles as a mature stock while PFG is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.21 — expect wider price swings.
PFG is growing revenue faster at 25.4% — sustainability is the question.
PFG generates stronger free cash flow (1.5B), providing more financial flexibility.
Bottom Line
PFG scores higher overall (79/100 vs 72/100) and 25.4% revenue growth. Both earn "Strong Buy" and "Strong 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 →Principal Financial Group Inc
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Principal Financial Group is an American global financial investment management and insurance company headquartered in Des Moines, Iowa.
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