WallStSmart

Horizon Technology Finance (HRZN)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 180655% more annual revenue ($173.56B vs $96.02M). JPM leads profitability with a 33.9% profit margin vs -2.8%. JPM appears more attractively valued with a PEG of 1.65. JPM earns a higher WallStSmart Score of 73/100 (B).

HRZN

Hold

50

out of 100

Grade: D+

Growth: 6.7Profit: 5.0Value: 4.7Quality: 4.3
Piotroski: 5/9

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

HRZN3 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Operating MarginProfitability
78.5%10/10

Strong operational efficiency at 78.5%

EPS GrowthGrowth
241.7%10/10

Earnings expanding 241.7% YoY

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

HRZN4 concerns · Avg: 3.0/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Market CapQuality
$263.84M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.343/10

Elevated debt levels

Return on EquityProfitability
-0.8%2/10

ROE of -0.8% — below average capital efficiency

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 : HRZN

The strongest argument for HRZN centers on Price/Book, Operating Margin, EPS Growth.

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 : HRZN

The primary concerns for HRZN are PEG Ratio, Market Cap, Debt/Equity.

Bear Case : JPM

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

Key Dynamics to Monitor

HRZN profiles as a turnaround stock while JPM is a mature play — different risk/reward profiles.

HRZN carries more volatility with a beta of 1.09 — expect wider price swings.

JPM is growing revenue faster at 12.7% — sustainability is the question.

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

Bottom Line

JPM scores higher overall (73/100 vs 50/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong 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.

Horizon Technology Finance

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Horizon Technology Finance (HRZN) is a distinguished specialty finance company focused on delivering structured debt solutions to growth-stage, venture capital-backed enterprises in the technology, life sciences, and sustainability sectors. By offering customized financing options, including debt capital and equity co-investments, HRZN empowers its clients to maximize their growth potential. The company's disciplined investment strategy prioritizes high-quality opportunities that yield optimal risk-adjusted returns, while its commitment to portfolio expansion and strategic partnerships positions it at the forefront of innovation and sustainability advancements in today's dynamic market.

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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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