WallStSmart

Fifth Third Bancorp (FITBI)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 2193% more annual revenue ($186.33B vs $8.13B). JPM leads profitability with a 34.9% profit margin vs 28.4%. FITBI trades at a lower P/E of 7.4x. JPM earns a higher WallStSmart Score of 81/100 (A-).

FITBI

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 7.0Value: 6.7Quality: 4.5
Piotroski: 6/9Altman Z: 0.17

JPM

Exceptional Buy

81

out of 100

Grade: A-

Growth: 10.0Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FITBI4 strengths · Avg: 9.8/10
P/E RatioValuation
7.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$900.78B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.9%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
50.4%10/10

Strong operational efficiency at 50.4%

Revenue GrowthGrowth
30.4%10/10

Revenue surging 30.4% year-over-year

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

FITBI4 concerns · Avg: 2.3/10
Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

Revenue GrowthGrowth
-1.0%2/10

Revenue declined 1.0%

EPS GrowthGrowth
-1.2%2/10

Earnings declined 1.2%

Free Cash FlowQuality
$-1.25B2/10

Negative free cash flow — burning cash

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.301/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FITBI

The strongest argument for FITBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 38.5%.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.

Bear Case : FITBI

The primary concerns for FITBI are Return on Equity, Revenue Growth, EPS Growth.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.

Key Dynamics to Monitor

FITBI profiles as a declining stock while JPM is a growth play — different risk/reward profiles.

FITBI carries more volatility with a beta of 1.26 — expect wider price swings.

JPM is growing revenue faster at 30.4% — sustainability is the question.

FITBI generates stronger free cash flow (-1.3B), providing more financial flexibility.

Bottom Line

JPM scores higher overall (81/100 vs 43/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Fifth Third Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fifth Third Bancorp is a diversified financial services company based in Cincinnati, Ohio, and the indirect parent company of Fifth Third Bank, National Association, a federally chartered institution.

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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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