Compare Stocks › BAC vs YUM
Bank of America Corporation (BAC) vs Yum! Brands, Inc. (YUM)
BAC
Bank of America Corporation
$47.01
VS
YUM
Yum! Brands, Inc.
$156.25
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.
YUM
- ★Yum! Brands, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Yum! Brands, Inc. scores 88/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Free cash flow has grown at a 12.6% 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.
- ⚠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.
YUM
- ⚠Net debt/EBITDA of 4.3x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
- ⚠6 insider sales totaling $2.4M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →BAC
YUM
Valuation
N/A
Free Cash Flow
$1.31B
N/A
FCF Yield
3.02%
12.34
Trailing P/E
28.15
9.49
Forward P/E
20.92
Quality & Moat
4.61%
ROIC
15.71%
N/A
ROE
N/A
0.00%
Gross Margin
46.16%
0.58
PEG Ratio
1.02
Balance Sheet Safety
N/A
Debt / Equity
N/A
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.29
2.38%
Dividend Yield
1.92%
BAC: 4Ties: 1YUM: 2
BACYUM
Historical Fundamentals
Learn more →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.
YUM
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
Learn more →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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
YUM
$2.49
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.42B
Δ Market Cap
+$6.04B
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
> $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
Learn more →BAC
64.3% Margin of Safety
Price is 64.3% below estimated fair value
Current Price: $47.01
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $131.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
YUM
41.8% Overvalued
Price is 41.8% above estimated fair value
Current Price: $156.25
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $110.18
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →BAC
Requires positive FCF to compute implied growth rate.
YUM
What growth rate is the market pricing in at $156?
+15.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +18.0%
The market implies +15.6% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +18.0%, reflecting heavy growth investment.
Economic Moat Score
Learn more →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.
YUM
88/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.
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
Learn more →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.
YUM
-2.58
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
Learn more →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.
YUM
Insiders 0.2%Institutions 89.3%Retail & Other 10.6%
No. of Institutional Holders1,845
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
Learn more →BAC
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
YUM
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
Learn more →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
YUM
6
Sells (3M)
26
Sells (12M)
Total value (12M): $15.51M
MEZVINSKY SCOTT
Officer
$47,725
@ $166.29 · 2026-03-02
TURNER CHRISTOPHER LEE
Chief Executive Officer
$39,577
@ $166.29 · 2026-03-02
MEZVINSKY SCOTT
Officer
$47,150
@ $166.02 · 2026-02-26
TURNER CHRISTOPHER LEE
Chief Executive Officer
$40,177
@ $166.02 · 2026-02-26
MEZVINSKY SCOTT
Officer
$265,384
@ $164.63 · 2026-02-13
POWELL AARON
Officer
$1.94M
@ $161.44 · 2026-02-05
MEZVINSKY SCOTT
Officer
$42,275
@ $153.17 · 2025-12-01
SKEANS TRACY L
Chief Operating Officer
$3.63M
@ $149.10 · 2025-11-17
POWELL AARON
Officer
$419,839
@ $150.48 · 2025-11-11
MEZVINSKY SCOTT
Officer
$261,162
@ $148.81 · 2025-11-06
MEZVINSKY SCOTT
Officer
$42,116
@ $154.27 · 2025-11-05
BURKHARDT ERIKA
Officer
$189,551
@ $149.37 · 2025-11-05
MEZVINSKY SCOTT
Officer
$41,962
@ $152.59 · 2025-10-01
GIBBS DAVID W
Chief Executive Officer
$1.07M
@ $149.80 · 2025-09-15
MEZVINSKY SCOTT
Officer
$39,223
@ $145.27 · 2025-09-02
GIBBS DAVID W
Chief Executive Officer
$1.04M
@ $146.84 · 2025-08-15
SKEANS TRACY L
Chief Operating Officer
$1.81M
@ $148.24 · 2025-08-15
GRADDICK-WEIR MIRIAN M
Director
$296,121
@ $145.30 · 2025-08-14
CORNELL BRIAN C
Director
$291,034
@ $139.92 · 2025-08-06
MEZVINSKY SCOTT
Officer
$36,799
@ $139.92 · 2025-08-06
GIBBS DAVID W
Chief Executive Officer
$1.04M
@ $146.60 · 2025-07-15
MEZVINSKY SCOTT
Officer
$40,332
@ $148.28 · 2025-07-01
GIBBS DAVID W
Chief Executive Officer
$1.01M
@ $144.00 · 2025-06-16
MEZVINSKY SCOTT
Officer
$39,120
@ $145.97 · 2025-06-04
GIBBS DAVID W
Chief Executive Officer
$1.03M
@ $145.57 · 2025-05-15
GIBBS DAVID W
Chief Executive Officer
$753,891
@ $146.70 · 2025-04-15
GIBBS DAVID W
Chief Executive Officer
$816,392
@ $154.24 · 2025-03-17
GIBBS DAVID W
Chief Executive Officer
$384,480
@ $160.00 · 2025-03-06
BURKHARDT ERIKA
Officer
$94,965
@ $159.07 · 2025-03-06
GIBBS DAVID W
Chief Executive Officer
$4.88M
@ $159.46 · 2025-03-05
RUSSELL DAVID ERIC
Officer
$793,300
@ $158.66 · 2025-03-05
RUSSELL DAVID ERIC
Officer
$2.64M
@ $144.63 · 2025-02-10
SKALA JUSTIN PETER
Director
$221,261
@ $145.28 · 2025-02-10
GIBBS DAVID W
Chief Executive Officer
$522,884
@ $137.06 · 2024-12-16
GIBBS DAVID W
Chief Executive Officer
$446,130
@ $137.06 · 2024-12-16
GIBBS DAVID W
Chief Executive Officer
$959,600
@ $135.94 · 2024-11-15
GIBBS DAVID W
Chief Executive Officer
$941,682
@ $134.43 · 2024-10-15
GIBBS DAVID W
Chief Executive Officer
$941,682
@ $134.43 · 2024-09-16
GRADDICK-WEIR MIRIAN M
Director
$179,857
@ $137.40 · 2024-08-19
GIBBS DAVID W
Chief Executive Officer
$974,956
@ $137.92 · 2024-08-15
CATLETT SCOTT A
Officer
$1.13M
@ $137.79 · 2024-08-13
SAMI SABIR
Officer
$9.75M
@ $137.16 · 2024-08-07
GIBBS DAVID W
Chief Executive Officer
$912,030
@ $131.02 · 2024-07-15
GIBBS DAVID W
Chief Executive Officer
$963,332
@ $136.43 · 2024-06-17
CATLETT SCOTT A
Officer
$848,151
@ $141.50 · 2024-05-17
GIBBS DAVID W
Chief Executive Officer
$969,991
@ $137.14 · 2024-05-15
ALVES PAGET LEONARD
Director
$859,223
@ $136.19 · 2024-05-02
GIBBS DAVID W
Chief Executive Officer
$979,383
@ $138.37 · 2024-04-15
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
Learn more →BAC
😐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.
YUM
😐Neutral(52/100)
"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.
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
Learn more →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)
YUM
⚪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 (52)