WallStSmart

Ategrity Specialty Insurance Company Holdings (ASIC)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 40801% more annual revenue ($173.56B vs $424.34M). JPM leads profitability with a 33.9% profit margin vs 17.4%. ASIC trades at a lower P/E of 13.0x. JPM earns a higher WallStSmart Score of 73/100 (B).

ASIC

Buy

52

out of 100

Grade: C-

Growth: 6.7Profit: 8.0Value: 6.0Quality: 6.0
Piotroski: 3/9

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ASIC4 strengths · Avg: 8.5/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
26.9%8/10

Strong operational efficiency at 26.9%

Revenue GrowthGrowth
17.9%8/10

17.9% revenue growth

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$828.64B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.0%10/10

Strong operational efficiency at 43.0%

Free Cash FlowQuality
$368.37B10/10

Generating 368.4B in free cash flow

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

ASIC3 concerns · Avg: 2.7/10
Market CapQuality
$987.77M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-9.0%2/10

Earnings declined 9.0%

JPM3 concerns · Avg: 3.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ASIC

The strongest argument for ASIC centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 17.4% and operating margin at 26.9%. Revenue growth of 17.9% demonstrates continued momentum.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : ASIC

The primary concerns for ASIC are Market Cap, Piotroski F-Score, EPS Growth.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

ASIC profiles as a growth stock while JPM is a mature play — different risk/reward profiles.

ASIC is growing revenue faster at 17.9% — sustainability is the question.

JPM generates stronger free cash flow (368.4B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

JPM scores higher overall (73/100 vs 52/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Ategrity Specialty Insurance Company Holdings

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Ategrity Specialty Insurance Company Holdings, provides excess and surplus lines insurance and reinsurance products to small and medium-sized businesses in the United States.

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JPMorgan Chase & Co

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.

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