WallStSmart

Investcorp Credit Management BDC Inc (ICMB)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 997583% more annual revenue ($173.56B vs $17.40M). JPM leads profitability with a 33.9% profit margin vs -50.9%. JPM earns a higher WallStSmart Score of 73/100 (B).

ICMB

Hold

38

out of 100

Grade: F

Growth: 4.7Profit: 5.0Value: 5.0Quality: 5.0

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

ICMB2 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
56.3%10/10

Strong operational efficiency at 56.3%

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

ICMB4 concerns · Avg: 2.3/10
Market CapQuality
$27.28M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-12.7%2/10

ROE of -12.7% — below average capital efficiency

Revenue GrowthGrowth
-13.6%2/10

Revenue declined 13.6%

EPS GrowthGrowth
-8.6%2/10

Earnings declined 8.6%

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 : ICMB

The strongest argument for ICMB centers on Price/Book, Operating Margin.

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 : ICMB

The primary concerns for ICMB are Market Cap, Return on Equity, Revenue Growth.

Bear Case : JPM

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

Key Dynamics to Monitor

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

JPM carries more volatility with a beta of 1.04 — 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 38/100), 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.

Investcorp Credit Management BDC Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Investcorp Credit Management BDC Inc (ICMB) is a premier business development company focused on delivering tailored debt and equity financing solutions to middle-market enterprises, targeting optimal risk-adjusted returns. With a well-diversified investment portfolio spanning multiple sectors, ICMB is dedicated to enhancing shareholder value through prudent risk management and strategic market engagement. Leveraging the expertise of its seasoned management team, the firm identifies and nurtures high-growth potential companies, solidifying its position in the evolving private credit landscape. This approach presents ICMB as an attractive investment opportunity for institutional investors seeking reliable income and diversification in their portfolios.

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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