JPMorgan Chase & Co (JPM)vsNI Holdings Inc (NODK)
JPM
JPMorgan Chase & Co
$312.37
+2.31%
FINANCIAL SERVICES · Cap: $806.43B
NODK
NI Holdings Inc
$14.58
+1.53%
FINANCIAL SERVICES · Cap: $308.04M
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 63424% more annual revenue ($173.56B vs $273.22M). JPM leads profitability with a 33.9% profit margin vs -1.6%. JPM earns a higher WallStSmart Score of 73/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
NODK
Hold45
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Strong operational efficiency at 26.4%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -1.7% — below average capital efficiency
Revenue declined 16.6%
Comparative Analysis Report
WallStSmart ResearchBull 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 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth, Operating Margin.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.39 is elevated, increasing financial risk.
Bear Case : NODK
The primary concerns for NODK are Altman Z-Score, Market Cap, Return on Equity.
Key Dynamics to Monitor
JPM profiles as a mature stock while NODK is a turnaround play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.02 — expect wider price swings.
JPM is growing revenue faster at 12.7% — sustainability is the question.
NODK generates stronger free cash flow (-2M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (73/100 vs 45/100), 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.
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.
Visit Website →NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
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