Bank of America Corp (BAC)vsUpstart Holdings Inc (UPST)
BAC
Bank of America Corp
$59.47
-5.14%
FINANCIAL SERVICES · Cap: $437.47B
UPST
Upstart Holdings Inc
$25.59
+1.95%
FINANCIAL SERVICES · Cap: $2.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 8760% more annual revenue ($113.93B vs $1.29B). BAC leads profitability with a 29.5% profit margin vs 4.7%. BAC trades at a lower P/E of 14.5x. BAC earns a higher WallStSmart Score of 84/100 (A-).
BAC
Exceptional Buy84
out of 100
Grade: A-
UPST
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 38.3%
Generating 29.0B in free cash flow
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 42.3% demonstrates continued momentum.
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 : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 51.8x leaves little room for execution misses. Debt-to-equity of 2.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
BAC profiles as a growth stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.17 — expect wider price swings.
UPST is growing revenue faster at 42.3% — sustainability is the question.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (84/100 vs 53/100), 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.
Visit Website →Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
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