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Compare Stocks › BAC vs URI

Bank of America Corporation (BAC) vs United Rentals, Inc. (URI)

BAC
Bank of America Corporation
$47.01
VS
URI
United Rentals, Inc.
$719.95

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.
URI
  • ★United Rentals, Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
  • ★United Rentals, Inc. scores 70/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.

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.
URI

    Key Valuation Metrics

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    BAC
    URI
    Valuation
    N/A
    Free Cash Flow
    $1.93B
    N/A
    FCF Yield
    4.21%
    12.34
    Trailing P/E
    18.66
    9.49
    Forward P/E
    13.55
    Quality & Moat
    4.61%
    ROIC
    12.99%
    N/A
    ROE
    27.81%
    0.00%
    Gross Margin
    38.36%
    0.58
    PEG Ratio
    N/A
    Balance Sheet Safety
    N/A
    Debt / Equity
    1.75
    N/A
    Interest Coverage
    N/A
    N/A
    Net Debt / EBITDA
    3.41
    2.38%
    Dividend Yield
    1.09%
    BAC: 3Ties: 1URI: 2
    BACURI

    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.

    URI

    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
    URI
    $4.27
    created per $1 retained over 3 years
    Exceptional Value Creator
    Σ Retained
    $6.19B
    Δ Market Cap
    +$26.41B
    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
    URI
    29.2% Margin of Safety
    Price is 29.2% below estimated fair value
    Current Price: $719.95
    Fair Value: $1017.16
    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.

    URI

    What growth rate is the market pricing in at $720?

    +10.4%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +13.9%

    The market implies +10.4% Owner Earnings growth, above historical trends.

    Standard FCF implies a demanding +13.9%, reflecting heavy growth investment.

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

    Wide moat driven primarily by roic consistency. 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.

    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.
    URI
    -2.84
    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.
    URI
    Insiders 0.7%Institutions 93.2%Retail & Other 6.1%
    No. of Institutional Holders1,997
    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
    URI
    1
    Buys (3M)
    1
    Buys (12M)
    Total value (12M): $53,268
    SINGH SHIV
    Director
    $53,268
    @ $783.35 · 2026-02-02
    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
    URI
    2
    Sells (3M)
    6
    Sells (12M)
    Total value (12M): $7.41M
    GRACE WILLIAM E.
    Chief Financial Officer
    $1.18M
    @ $791.26 · 2026-02-03
    DURAND MICHAEL DUANE
    Chief Operating Officer
    $1.97M
    @ $791.14 · 2026-02-02
    GROSS JOLI LYN
    Officer
    $250,138
    @ $725.04 · 2025-05-13
    LIMOGES ANDREW B
    Officer
    $499,752
    @ $705.86 · 2025-05-12
    DURAND MICHAEL DUANE
    Chief Operating Officer
    $688,908
    @ $626.28 · 2025-04-29
    PINTOFF CRAIG ADAM
    Officer
    $2.82M
    @ $633.10 · 2025-04-28
    GRACE WILLIAM E.
    Chief Financial Officer
    $701,908
    @ $638.10 · 2025-02-24
    LEOPOLD ANTHONY S
    Officer
    $740,918
    @ $823.24 · 2024-10-28
    GROSS JOLI LYN
    Officer
    $248,400
    @ $690.00 · 2024-08-02
    LEOPOLD ANTHONY S
    Officer
    $1.41M
    @ $712.00 · 2024-05-15
    DURAND MICHAEL DUANE
    Chief Operating Officer
    $377,081
    @ $674.56 · 2024-05-03
    FLANNERY MATTHEW JOHN
    Chief Executive Officer
    $5.86M
    @ $699.63 · 2024-04-30
    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.
    URI
    FearGreed
    😨Fear(35/100)

    "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)
    URI
    ⚪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 (35)
    View BAC Full AnalysisView URI Full Analysis
    Bank of America Corporation (BAC) vs United Rentals, Inc. (URI) Stock Comparison | SafetyMargin.io