` Comparison: BAC, C - Alpha Spread

BAC
vs
C

Over the past 12 months, BAC has underperformed C, delivering a return of +19% compared to the C's +52% growth.

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BAC
C
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

BAC Intrinsic Value
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C Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bank of America Corp
NYSE:BAC
48.45 USD
Citigroup Inc
NYSE:C
96.07 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BAC, C

Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Bank of America Corp
Revenue
Citigroup Inc
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
BAC, C

Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Bank of America Corp
NYSE:BAC
FCF is not applicable for financial companies
Citigroup Inc
NYSE:C
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

BAC
C
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Not applicable for financial companies
Citigroup Inc
Not applicable for financial companies

Operating Margin

BAC
C
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Not applicable for financial companies
Citigroup Inc
Not applicable for financial companies

Net Margin

BAC
25.4%
C
15.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Citigroup Inc

FCF Margin

BAC
C
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Not applicable for financial companies
Citigroup Inc
Not applicable for financial companies

ROE

BAC
9%
C
6.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Citigroup Inc

ROA

BAC
0.8%
C
0.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Citigroup Inc

ROIC

BAC
C
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Not applicable for financial companies
Citigroup Inc
Not applicable for financial companies

ROCE

BAC
C
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of America Corp
Not applicable for financial companies
Citigroup Inc
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
BAC, C

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Performance Gap
BAC, C

Performance Gap Between BAC and C
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Performance By Year
BAC, C

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