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Bank of America Corporation (BAC) vs Dell Technologies Inc. (DELL): Which Is the Better Buy in 2026?

As of 2026-09-17, BAC is undervalued at $58, with a DCF intrinsic value of $142 and a margin of safety of 59%. DELL is overvalued at $583, with an intrinsic value of $218 and a margin of safety of -167%. Of the two, BAC has the wider margin of safety.

BAC
Bank of America Corporation
$57.70
VS
DELL
Dell Technologies Inc.
$583.02

Rewards

BAC
  • ★Bank of America Corporation scores 100/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★PEG ratio of 0.90 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
DELL
  • ★Dell Technologies Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Dell Technologies Inc. scores 75/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Free cash flow has grown at a 147.8% CAGR over the past 4 years, demonstrating strong earnings power growth.

Risks

BAC
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
DELL
  • ⚠Gross margin of 19.9% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠FCF yield of 2.3% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
  • ⚠7 insider sales totaling $47.2M with no purchases in the past 3 months — insiders are reducing their exposure.

Key Valuation Metrics

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BAC
DELL
Valuation
N/A
Free Cash Flow
$8.55B
N/A
FCF Yield
2.31%
13.32
Trailing P/E
33.94
10.90
Forward P/E
20.33
Quality & Moat
4.37%
ROIC
40.69%
11.20%
ROE
N/A
0.00%
Gross Margin
19.91%
0.90
PEG Ratio
0.63
Balance Sheet Safety
N/A
Net Debt / Equity
N/A
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
1.34
2.21%
Dividend Yield
0.45%
BAC: 3Ties: 1DELL: 3
BACDELL

Historical Fundamentals

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BAC

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

DELL

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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BAC
$2.37
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$55.63B
Δ Market Cap
+$131.83B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
DELL
$32.17
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$10.11B
Δ Market Cap
+$325.22B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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BAC
59.4% Margin of Safety
Price is 59.4% below estimated fair value
Current Price: $57.70
Fair Value: $142.10
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
DELL
167.3% Overvalued
Price is 167.3% above estimated fair value
Current Price: $583.02
Fair Value: $218.11
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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BAC

Requires positive FCF to compute implied growth rate.

DELL

What growth rate is the market pricing in at $583?

+23.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +19.1%

The market implies +23.2% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +19.1%, reflecting heavy growth investment expected to generate future returns.

Economic Moat Score

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BAC
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
DELL
75/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by roic consistency. Revenue Predictability is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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BAC
-2.31
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
DELL
-2.14
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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BAC
Insiders 7.0%Institutions 71.3%Retail & Other 21.7%
No. of Institutional Holders4,542
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
DELL
Insiders 7.7%Institutions 78.0%Retail & Other 14.3%
No. of Institutional Holders2,740
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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BAC
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
DELL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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BAC
0
Sells (3M)
5
Sells (12M)
Total value (12M): $20.17M
MENSAH BERNARD AMPONSAH
Officer
$4.41M
@ $46.94 · 2026-03-12
BRONSTEIN SHERI B
Officer
$2.99M
@ $49.91 · 2026-03-05
SCRIVENER THOMAS M
Officer
$2.49M
@ $49.82 · 2026-03-05
ATHANASIA DEAN C
President
$6.86M
@ $50.21 · 2026-03-03
BORTHWICK ALASTAIR M.
Chief Financial Officer
$3.42M
@ $50.24 · 2026-02-27
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
DELL
7
Sells (3M)
8
Sells (12M)
Total value (12M): $55.38M
TRIZZINO PETER
Officer
$21.14M
@ $560.16 · 2026-09-11
ROTHBERG RICHARD JAY
General Counsel
$3.29M
@ $547.55 · 2026-09-11
TUNNELL JANE
Officer
$2.85M
@ $523.52 · 2026-09-04
SAAVEDRA JENNIFER D.
Officer
$13.13M
@ $520.00 · 2026-09-04
RADAKOVICH LYNN VOJVODICH
Director
$886,061
@ $438.21 · 2026-08-24
RADAKOVICH LYNN VOJVODICH
Director
$836,643
@ $413.77 · 2026-07-22
RADAKOVICH LYNN VOJVODICH
Director
$5.06M
@ $421.00 · 2026-06-22
ROTHBERG RICHARD JAY
General Counsel
$8.20M
@ $410.00 · 2026-06-15
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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BAC
FearGreed
😐Neutral(53/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
DELL
FearGreed
😏Greed(65/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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BAC
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)
DELL
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (65)
View BAC Full AnalysisView DELL Full Analysis

Frequently Asked Questions: BAC vs DELL

Is Bank of America Corporation or Dell Technologies Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, BAC trades at a 59.4% margin of safety (intrinsic value $142 vs. price $58), compared to DELL's -167.3% margin of safety (intrinsic $218 vs. $583).

Which stock has a wider economic moat, Bank of America Corporation or Dell Technologies Inc.?▼

BAC scores 100/100 (Wide moat), while DELL scores 75/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Bank of America Corporation in financial distress?▼

BAC's Altman Z-Score of 0.2 places it in the Distress zone, signaling elevated bankruptcy risk. DELL scores 3.6 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, Bank of America Corporation or Dell Technologies Inc.?▼

DELL earns 40.7% ROIC versus BAC's 4.4%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, Bank of America Corporation's or Dell Technologies Inc.'s?▼

DELL's dividend earns a safety score of 94/100 (Very Safe), compared to BAC's 79/100 (Safe). DELL has raised its dividend for 3 consecutive years.

BAC vs DELL: Which Is the Better Buy in 2026? | SafetyMargin.io