How Bank of America (BAC) Makes Money: A Visual Guide
Bank of America (BAC) generated $188.75B in revenue (TTM through Q4 2025), earning $30.63B in net profit (16.2% margin). Its largest revenue source is Loans and Leases (20.2% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Bank of America (BAC) Income Statement Flow
Frequently asked questions
How does Bank of America (BAC) make money?
- Bank of America (BAC) primarily makes money through Loans and Leases, which accounts for 20.2% of total revenue. For TTM through Q4 2025, Bank of America generated $188.75B in total revenue with a net profit margin of 16.2%.
What is Bank of America (BAC) gross profit margin?
- Bank of America (BAC) reported a gross profit margin of 55.4% for TTM through Q4 2025, equivalent to $104.61B in gross profit. This means Bank of America retains 55.4% of each revenue unit after direct costs of production.
What is Bank of America (BAC) operating profit margin?
- Bank of America (BAC) reported an operating profit margin of 18.5% for TTM through Q4 2025, equivalent to $34.88B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Bank of America (BAC) net profit margin?
- Bank of America (BAC) reported a net profit margin of 16.2% for TTM through Q4 2025, equivalent to $30.63B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
What is Bank of America (BAC) free cash flow?
- Bank of America (BAC) generated $12.61B in free cash flow for TTM through Q4 2025 (6.7% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Bank of America (BAC) effective tax rate?
- Bank of America (BAC) had an effective tax rate of 12.2% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
About this data
- What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
- How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we sum the last four quarters. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
- When was this data last updated?
- Based on company filings through TTM through Q4 2025.