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Compare Stocks › BAC vs GPN

Bank of America Corporation (BAC) vs Global Payments Inc. (GPN)

BAC
Bank of America Corporation
$47.01
VS
GPN
Global Payments Inc.
$68.18

Rewards

BAC
  • ★Each dollar of retained earnings has created $2.37 of market value — management is an exceptional capital allocator.
  • ★PEG ratio of 0.58 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
GPN
  • ★Gross margin of 72.6% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Share count has been reduced by 10% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Management has timed buybacks well — 3 out of 4 years showed value-accretive repurchases.

Risks

BAC
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Bank of America Corporation scores only 20/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
  • ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
GPN
  • ⚠Net debt/EBITDA of 4.0x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
  • ⚠Altman Z-Score of 0.88 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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BAC
GPN
Valuation
N/A
Free Cash Flow
$1.75B
N/A
FCF Yield
9.16%
12.34
Trailing P/E
15.39
9.49
Forward P/E
4.20
Quality & Moat
4.61%
ROIC
3.69%
N/A
ROE
5.89%
0.00%
Gross Margin
72.64%
0.58
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
0.93
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.03
2.38%
Dividend Yield
1.47%
BAC: 3Ties: 1GPN: 2
BACGPN

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.

GPN

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$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
GPN
$-2.44
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$3.20B
Δ Market Cap
$-7.81B
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
64.3% Margin of Safety
Price is 64.3% below estimated fair value
Current Price: $47.01
Fair Value: $131.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
GPN
50.4% Margin of Safety
Price is 50.4% below estimated fair value
Current Price: $68.18
Fair Value: $137.40
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.

GPN

What growth rate is the market pricing in at $68?

+9.9%
Market-Implied Owner Earnings Growth
Standard FCF implies +6.9%

The market implies +9.9% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +6.9%, reflecting heavy growth investment expected to generate future returns.

Economic Moat Score

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BAC
20/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

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.
GPN
42/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with margin stability as the key competitive advantage. Improving roic consistency would strengthen the moat.

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.
GPN
-2.67
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.

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 7.3%Institutions 71.2%Retail & Other 21.5%
No. of Institutional Holders4,445
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.
GPN
Insiders 0.9%Institutions 102.0%
No. of Institutional Holders1,196
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
GPN
1
Buys (3M)
3
Buys (12M)
Total value (12M): $1.29M
JOHNSON JOIA M
Director
$99,345
@ $81.90 · 2026-02-20
BALDWIN ROBERT H B JR
Director
$1.09M
@ $81.16 · 2025-12-11
WATSON PATRICIA A
Director
$99,905
@ $75.06 · 2025-11-07
BALDWIN ROBERT H B JR
Director
$672,800
@ $116.00 · 2024-12-13
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
5
Sells (3M)
5
Sells (12M)
Total value (12M): $20.17M
MENSAH BERNARD AMPONSAH
Officer
$4.41M
@ $46.94 · 2026-03-12
SCRIVENER THOMAS M
Officer
$2.49M
@ $49.82 · 2026-03-05
BRONSTEIN SHERI B
Officer
$2.99M
@ $49.91 · 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
MENSAH BERNARD AMPONSAH
Officer
$3.66M
@ $39.80 · 2024-08-27
HANS LINDSAY D
Officer
$402,410
@ $36.91 · 2024-08-05
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
GPN
0
Sells (3M)
7
Sells (12M)
Total value (12M): $2.36M
SHEFFIELD DAVID M
Officer
$164,123
@ $81.41 · 2025-12-11
GREEN DAVID LAWRENCE
Officer
$927,884
@ $79.99 · 2025-12-03
MCDANIEL CONNIE D
Director
$347,344
@ $77.81 · 2025-11-12
CORTOPASSI ROBERT M
President
$342,080
@ $85.52 · 2025-08-21
SHEFFIELD DAVID M
Officer
$207,575
@ $83.03 · 2025-08-12
STEELE-BELKIN DARA L.
General Counsel
$172,000
@ $86.00 · 2025-08-07
SHEFFIELD DAVID M
Officer
$201,975
@ $80.79 · 2025-05-08
CARTER ANDREA M
Officer
$250,015
@ $105.67 · 2024-11-04
GREEN DAVID LAWRENCE
Officer
$3.27M
@ $104.55 · 2024-10-31
SHEFFIELD DAVID M
Officer
$166,305
@ $100.73 · 2024-08-08
JOHNSTON SHANNON A
Chief Technology Officer
$169,816
@ $98.33 · 2024-06-06
CARTER ANDREA M
Officer
$367,422
@ $111.34 · 2024-05-09
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(47/100)

"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.
GPN
FearGreed
😨Fear(29/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

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 (47)
GPN
⚪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: Fear (29)
View BAC Full AnalysisView GPN Full Analysis