BAC vs. SPOT: A Head-to-Head Stock Comparison

Updated on August 26, 2025

Here’s a clear look at BAC and SPOT, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	BAC	SPOT
Company Name	Bank of America Corporation	Spotify Technology S.A.
Country	United States	Luxembourg
GICS Sector	Financials	Communication Services
GICS Industry	Banks	Entertainment
Market Capitalization	366.50 billion USD	142.97 billion USD
Exchange	NYSE	NYSE
Listing Date	February 21, 1973	April 3, 2018
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of BAC and SPOT by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BAC vs. SPOT: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BAC	SPOT
5-Day Price Return	2.91%	-3.41%
13-Week Price Return	14.25%	9.12%
26-Week Price Return	7.54%	8.10%
52-Week Price Return	26.10%	103.04%
Month-to-Date Return	4.68%	10.89%
Year-to-Date Return	12.58%	55.30%
10-Day Avg. Volume	32.81M	1.54M
3-Month Avg. Volume	38.93M	2.19M
3-Month Volatility	19.08%	44.45%
Beta	1.36	1.69

Profitability

Return on Equity (TTM)

BAC

9.46%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BAC’s Return on Equity of 9.46% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

SPOT

14.00%

Entertainment Industry

Max: 42.50%
Q3: 22.75%
Median: 12.88%
Q1: 7.15%
Min: -6.84%

SPOT’s Return on Equity of 14.00% is on par with the norm for the Entertainment industry, indicating its profitability relative to shareholder equity is typical for the sector.

BAC vs. SPOT: A comparison of their Return on Equity (TTM) against their respective Banks and Entertainment industry benchmarks.

Net Profit Margin (TTM)

BAC

30.16%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

BAC’s Net Profit Margin of 30.16% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

SPOT

4.85%

Entertainment Industry

Max: 45.25%
Q3: 23.93%
Median: 14.60%
Q1: 4.89%
Min: -22.94%

Falling into the lower quartile for the Entertainment industry, SPOT’s Net Profit Margin of 4.85% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

BAC vs. SPOT: A comparison of their Net Profit Margin (TTM) against their respective Banks and Entertainment industry benchmarks.

Operating Profit Margin (TTM)

BAC

32.74%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BAC’s Operating Profit Margin of 32.74% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

SPOT

11.11%

Entertainment Industry

Max: 46.83%
Q3: 28.87%
Median: 15.26%
Q1: 8.95%
Min: -5.53%

SPOT’s Operating Profit Margin of 11.11% is around the midpoint for the Entertainment industry, indicating that its efficiency in managing core business operations is typical for the sector.

BAC vs. SPOT: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Entertainment industry benchmarks.

Profitability at a Glance

Symbol	BAC	SPOT
Return on Equity (TTM)	9.46%	14.00%
Return on Assets (TTM)	0.84%	6.62%
Net Profit Margin (TTM)	30.16%	4.85%
Operating Profit Margin (TTM)	32.74%	11.11%
Gross Profit Margin (TTM)	--	31.63%

Financial Strength

Current Ratio (MRQ)

BAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SPOT

1.47

Entertainment Industry

Max: 6.80
Q3: 3.77
Median: 1.87
Q1: 0.86
Min: 0.39

SPOT’s Current Ratio of 1.47 aligns with the median group of the Entertainment industry, indicating that its short-term liquidity is in line with its sector peers.

BAC vs. SPOT: A comparison of their Current Ratio (MRQ) against their respective Banks and Entertainment industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BAC

2.54

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SPOT

0.36

Entertainment Industry

Max: 1.65
Q3: 0.71
Median: 0.14
Q1: 0.04
Min: 0.00

SPOT’s Debt-to-Equity Ratio of 0.36 is typical for the Entertainment industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

BAC vs. SPOT: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Entertainment industry benchmarks.

Interest Coverage Ratio (TTM)

BAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SPOT

38.25

Entertainment Industry

Max: 62.11
Q3: 31.19
Median: 7.50
Q1: 2.02
Min: -6.33

SPOT’s Interest Coverage Ratio of 38.25 is in the upper quartile for the Entertainment industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

BAC vs. SPOT: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Entertainment industry benchmarks.

Financial Strength at a Glance

Symbol	BAC	SPOT
Current Ratio (MRQ)	--	1.47
Quick Ratio (MRQ)	--	1.46
Debt-to-Equity Ratio (MRQ)	2.54	0.36
Interest Coverage Ratio (TTM)	--	38.25

Growth

Revenue Growth

BAC vs. SPOT: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BAC vs. SPOT: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BAC

2.66%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BAC’s Dividend Yield of 2.66% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

SPOT

0.00%

Entertainment Industry

Max: 2.54%
Q3: 1.29%
Median: 0.61%
Q1: 0.00%
Min: 0.00%

SPOT currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

BAC vs. SPOT: A comparison of their Dividend Yield (TTM) against their respective Banks and Entertainment industry benchmarks.

Dividend Payout Ratio (TTM)

BAC

33.91%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BAC’s Dividend Payout Ratio of 33.91% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SPOT

0.00%

Entertainment Industry

Max: 82.30%
Q3: 45.76%
Median: 29.16%
Q1: 0.00%
Min: 0.00%

SPOT has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

BAC vs. SPOT: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Entertainment industry benchmarks.

Dividend at a Glance

Symbol	BAC	SPOT
Dividend Yield (TTM)	2.66%	0.00%
Dividend Payout Ratio (TTM)	33.91%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BAC

12.73

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 12.73 places BAC in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SPOT

151.28

Entertainment Industry

Max: 53.51
Q3: 45.31
Median: 33.16
Q1: 18.21
Min: 3.89

At 151.28, SPOT’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Entertainment industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

BAC vs. SPOT: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Entertainment industry benchmarks.

Price-to-Sales Ratio (TTM)

BAC

2.33

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SPOT

7.34

Entertainment Industry

Max: 12.81
Q3: 7.20
Median: 4.68
Q1: 3.32
Min: 0.79

SPOT’s P/S Ratio of 7.34 is in the upper echelon for the Entertainment industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

BAC vs. SPOT: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Entertainment industry benchmarks.

Price-to-Book Ratio (MRQ)

BAC

1.17

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BAC’s P/B Ratio of 1.17 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SPOT

20.34

Entertainment Industry

Max: 17.11
Q3: 8.38
Median: 5.24
Q1: 2.18
Min: 0.67

At 20.34, SPOT’s P/B Ratio is at an extreme premium to the Entertainment industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

BAC vs. SPOT: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Entertainment industry benchmarks.

Valuation at a Glance

Symbol	BAC	SPOT
Price-to-Earnings Ratio (TTM)	12.73	151.28
Price-to-Sales Ratio (TTM)	2.33	7.34
Price-to-Book Ratio (MRQ)	1.17	20.34
Price-to-Free Cash Flow Ratio (TTM)	8.12	43.24