WallStSmart

JPMorgan Chase & Co (JPM)vsNorthern Trust Corporation (NTRS)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 1944% more annual revenue ($190.73B vs $9.33B). JPM leads profitability with a 34.6% profit margin vs 26.0%. NTRS appears more attractively valued with a PEG of 0.94. NTRS earns a higher WallStSmart Score of 82/100 (A-).

JPM

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

NTRS

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 3.0
Piotroski: 3/9Altman Z: -0.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$902.16B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

NTRS6 strengths · Avg: 8.5/10
Operating MarginProfitability
34.8%10/10

Strong operational efficiency at 34.8%

Profit MarginProfitability
26.0%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
48.5%8/10

Earnings expanding 48.5% YoY

Areas to Watch

JPM3 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

NTRS4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.193/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-284.40M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.322/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bull Case : NTRS

The strongest argument for NTRS centers on Operating Margin, Profit Margin, PEG Ratio. Profitability is solid with margins at 26.0% and operating margin at 34.8%. Revenue growth of 12.1% demonstrates continued momentum.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.

Bear Case : NTRS

The primary concerns for NTRS are Debt/Equity, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

NTRS carries more volatility with a beta of 1.25 — expect wider price swings.

NTRS is growing revenue faster at 12.1% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NTRS scores higher overall (82/100 vs 71/100), backed by strong 26.0% margins and 12.1% revenue growth. Both earn "Exceptional Buy" and "Strong 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.

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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Northern Trust Corporation

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Northern Trust Corporation is a financial services company headquartered in Chicago, Illinois that caters to corporations, institutional investors, and ultra high net worth individuals.

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