JPMorgan Chase & Co (JPM)vsNu Holdings Ltd (NU)
JPM
JPMorgan Chase & Co
$312.37
+2.31%
FINANCIAL SERVICES · Cap: $806.43B
NU
Nu Holdings Ltd
$11.62
-1.24%
FINANCIAL SERVICES · Cap: $57.85B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 2185% more annual revenue ($173.56B vs $7.59B). NU leads profitability with a 41.9% profit margin vs 33.9%. NU appears more attractively valued with a PEG of 0.70. NU earns a higher WallStSmart Score of 84/100 (A-).
JPM
Strong Buy73
out of 100
Grade: B
NU
Exceptional Buy84
out of 100
Grade: A-
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
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 48.2%
Revenue surging 43.7% year-over-year
Earnings expanding 55.9% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : NU
The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 41.9% and operating margin at 48.2%. Revenue growth of 43.7% demonstrates continued momentum.
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 : NU
The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
JPM profiles as a mature stock while NU is a growth play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.02 — expect wider price swings.
NU is growing revenue faster at 43.7% — sustainability is the question.
NU generates stronger free cash flow (-1.3B), providing more financial flexibility.
Bottom Line
NU scores higher overall (84/100 vs 73/100), backed by strong 41.9% margins and 43.7% 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.
Visit Website →Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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