JPMorgan Chase & Co (JPM)vsRegional Management Corp (RM)
JPM
JPMorgan Chase & Co
$309.25
-0.71%
FINANCIAL SERVICES · Cap: $828.64B
RM
Regional Management Corp
$38.52
-2.03%
FINANCIAL SERVICES · Cap: $369.49M
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 27691% more annual revenue ($173.56B vs $624.52M). JPM leads profitability with a 33.9% profit margin vs 7.1%. RM appears more attractively valued with a PEG of 0.90. RM earns a higher WallStSmart Score of 77/100 (B+).
JPM
Strong Buy73
out of 100
Grade: B
RM
Strong Buy77
out of 100
Grade: B+
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 43.0%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Strong operational efficiency at 23.6%
Earnings expanding 32.5% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
7.1% margin — thin
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 43.0%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : RM
The strongest argument for RM centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : RM
The primary concerns for RM are Market Cap, Profit Margin.
Key Dynamics to Monitor
JPM profiles as a mature stock while RM is a value 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
RM scores higher overall (77/100 vs 73/100). 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.
Visit Website →Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
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