JPMorgan Chase & Co (JPM)vsWells Fargo & Company (WFC)
JPM
JPMorgan Chase & Co
$287.74
+0.08%
FINANCIAL SERVICES · Cap: $773.75B
WFC
Wells Fargo & Company
$76.19
+0.26%
FINANCIAL SERVICES · Cap: $237.79B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 110% more annual revenue ($168.24B vs $80.04B). JPM leads profitability with a 33.9% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.58. WFC earns a higher WallStSmart Score of 72/100 (B).
JPM
Buy63
out of 100
Grade: C+
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-110.9%
Fair Value
$136.54
Current Price
$287.74
$151.20 premium
Margin of Safety
+56.0%
Fair Value
$173.78
Current Price
$76.19
$97.59 discount
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 41.1%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.9%
Generating 4.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
2.5% revenue growth
Elevated debt levels
Earnings declined 3.6%
Expensive relative to growth rate
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 41.1%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.9%.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 1.07 — expect wider price swings.
WFC is growing revenue faster at 5.0% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (72/100 vs 63/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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