COMP <GO>
TRV vs BAC // NET PROFIT MARGIN
The Travelers Companies Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: TRV 8
— BAC 6
▲ NET PROFIT MARGIN LEADER: BAC
LAST: $396.22 (-0.51%) • MKT CAP: $81.62B
net-margins
12.90%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
net-margins
27.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRV VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRV | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.70% | 2.50% | +7.20 | TRV | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.6x | 30.2x | -18.60 | TRV | /valuation <GO> |
| Free Cash Flow Yield | 10.30% | 2.10% | +8.20 | TRV | /fcf-yield <GO> |
| Operating Margin | 15.70% | 32.90% | -17.20 | BAC | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 12.90% | 27.00% | -14.10 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 5.20% | 6.80% | -1.60 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.20% | 0.00% | +1.20 | TRV | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.65 | 0.45 | +1.20 | TRV | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | TRV | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.50% | 6.60% | -0.10 | TRV | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.1 | 27.7 | +34.39 | TRV | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.88 | 0.90 | -0.02 | BAC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 10.9x | +1.20 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $81.62B | $357.61B | -$275.99B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRV REV | BAC REV | TRV GROSS % | BAC GROSS % | TRV FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $48.83B | $113.10B | 44.0% | 44.0% | $8.41B | $7.52B |
| FY 2024 | $46.42B | $105.86B | 44.0% | 44.0% | $6.98B | -$13.57B |
| FY 2023 | $41.36B | $102.77B | 44.0% | 44.0% | $5.85B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRV // BETA 0.88
BAC // BETA 0.90