JPMorgan Chase & Co (JPM)vsTruist Financial Corp (TFC)
JPM
JPMorgan Chase & Co
$350.99
+1.78%
FINANCIAL SERVICES · Cap: $900.78B
TFC
Truist Financial Corp
$52.01
-0.57%
FINANCIAL SERVICES · Cap: $63.19B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 879% more annual revenue ($186.33B vs $19.03B). JPM leads profitability with a 34.9% profit margin vs 30.7%. TFC appears more attractively valued with a PEG of 1.29. JPM earns a higher WallStSmart Score of 81/100 (A-).
JPM
Exceptional Buy81
out of 100
Grade: A-
TFC
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.8%
Large-cap with strong market position
Earnings expanding 36.7% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Elevated debt levels
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 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bull Case : TFC
The strongest argument for TFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.7% and operating margin at 39.8%. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Bear Case : TFC
The primary concerns for TFC are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
JPM profiles as a growth stock while TFC is a mature play — different risk/reward profiles.
JPM carries more volatility with a beta of 0.98 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
TFC generates stronger free cash flow (679M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (81/100 vs 77/100), backed by strong 34.9% margins and 30.4% 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 →Truist Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Truist Financial Corporation is an American bank holding company headquartered in Charlotte, North Carolina. Its bank operates 2,781 branches in 15 states and Washington, D.C., and offers consumer and commercial banking, securities brokerage, asset management, mortgage, and insurance products and services.
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