WallStSmart

JPMorgan Chase & Co (JPM)vsPNC Financial Services Group Inc (PNC)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 665% more annual revenue ($190.73B vs $24.94B). JPM leads profitability with a 34.6% profit margin vs 31.7%. JPM appears more attractively valued with a PEG of 1.43. PNC earns a higher WallStSmart Score of 75/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

PNC

Strong Buy

75

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: -0.48

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$895.04B10/10

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%

Free Cash FlowQuality
$33.16B10/10

Generating 33.2B in free cash flow

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

PNC6 strengths · Avg: 9.2/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.7%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
41.1%10/10

Strong operational efficiency at 41.1%

Market CapQuality
$90.52B9/10

Large-cap with strong market position

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.15B8/10

Generating 2.1B in free cash flow

Areas to Watch

JPM2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

PNC3 concerns · Avg: 3.0/10
PEG RatioValuation
1.564/10

Expensive relative to growth rate

Debt/EquityHealth
1.283/10

Elevated debt levels

Altman Z-ScoreHealth
-0.482/10

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 : PNC

The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.

Bear Case : JPM

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

Bear Case : PNC

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

Key Dynamics to Monitor

JPM carries more volatility with a beta of 1.01 — expect wider price swings.

PNC is growing revenue faster at 10.9% — sustainability is the question.

JPM generates stronger free cash flow (33.2B), providing more financial flexibility.

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

Bottom Line

PNC scores higher overall (75/100 vs 73/100), backed by strong 31.7% margins and 10.9% revenue growth. Both earn "Strong 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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PNC Financial Services Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.

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