FINW
FinWise Bancorp
FINW trails on the overall score without a compensating advantage in the available component scores.
JPM
JPMorgan Chase & Co.
JPM has the edge over FINW overall, supported by stronger modeled upside and lower modeled downside.
FINW Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
FINW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FINW.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
FINW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.2x | $5.71 | -61% |
| Fair | 9.7x | $13.13 | -9.4% |
| Current | 11x | $14.49 | — |
| Forward | 16x | $14.49 | — |
| Expensive | 17x | $22.71 | +57% |
Historical ranges are pointers, not guarantees.
FINW's PE is in its fair range at 11x. Analysts expect earnings to fall, which would put today's price at 16x next year's earnings, in its expensive range.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over FINW in the historical PE scenario, which offers more potential upside but is not a forecast.
FINW Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect FINW's revenue to grow, but its earnings and profitability to decline.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over FINW on the outlook, with more favorable valuation and earnings expectations.
FINW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.91 | -33% |
| Q3 2026 | $1.35 | +29% |
| Q2 2026 | $0.96 | 0% |
| Q1 2026 | $1.10 | +21% |
| Q4 2025 | $1.13 | +22% |
| Q3 2025 | $1.05 | -0.9% |
| Q2 2025 | $0.96 | -19% |
| Q1 2025 | $0.91 | -29% |
| Q4 2024 | $0.93 | -30% |
FINW's earnings per share have fallen from their peak: $1.35 over the past year, against $1.87 in late 2022.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over FINW on earnings, with more consistent year-over-year improvement.
FINW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $102.7M | +180% |
| Q2 2026 | $54.3M | +117% |
| Q1 2026 | $42.7M | +93% |
| Q4 2025 | $46.9M | +122% |
| Q3 2025 | $36.7M | +76% |
| Q2 2025 | $25.1M | +29% |
| Q1 2025 | $22.1M | +13% |
| Q4 2024 | $21.1M | +3.6% |
FINW has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -4.6 points |
| Q2 2026 | 5.2% | -17 points |
| Q1 2026 | 8.9% | -11 points |
| Q4 2025 | 12% | -5.8 points |
| Q3 2025 | 17% | -4.7 points |
| Q2 2025 | 22% | +0.2 points |
| Q1 2025 | 20% | -3.1 points |
| Q4 2024 | 17% | -11 points |
FINW's operating margin was 13% last quarter, down 4.6 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over FINW on profitability, with a higher operating margin.
FINW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $63.4M | +1747% |
| Q2 2026 | -$25.7M | -$8.8M |
| Q1 2026 | $19.7M | +$42.9M |
| Q4 2025 | $8.1M | +1263% |
| Q3 2025 | $3.4M | +$15.5M |
| Q2 2025 | -$16.9M | -$8.1M |
| Q1 2025 | -$23.3M | -6594% |
| Q4 2024 | $592K | -93% |
FINW has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
FINW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.4K shares |
| 1 year | +0.3% | +47.5K shares |
| 3 years | +6.2% | +795K shares |
FINW has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $5,000 |
| Q2 2024 | $286,000 |
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over FINW on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
FINW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.1x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.1x | Net Cash |
| Q3 2025 | -4.3x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -5.3x | Net Cash |
| Q4 2024 | -4.9x | Net Cash |
FINW has the edge over JPM on leverage, with a lower net debt burden relative to earnings.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
FINW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.3 | Neutral |
| Stochastic | 82.0 | Overbought |
FINW's weekly RSI is 56 (neutral) and its Stochastic is 82 (overbought).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
FINW PE vs Financial Services Sector
| Metric | FINW | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 53 | 64 | 11 pts below |
FINW has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
FINW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.0 | 20% above |
| 20 week MA | $13.1 | 11% above |
| 50 week MA | $15.0 | 3.4% below |
| 100 week MA | $16.1 | 9.9% below |
| 200 week MA | $13.6 | 6.5% above |
FINW's trend is mixed: it's above three of its five weekly moving averages, and 6.5% above its 200-week average.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM has the edge over FINW on trend strength, trading above more of its moving averages.
FINW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $12.7 | $13.4 | +5.4% |
| 2022 | $13.4 | $9.68 | -28% |
| 2023 | $9.68 | $14.3 | +48% |
| 2024 | $14.3 | $16.1 | +13% |
| 2025 | $16.1 | $17.8 | +11% |
| 2026 YTD | $17.8 | $14.5 | -19% |
FINW has finished higher in four of the last five years. It's down 19% so far in 2026.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has the edge over FINW on returns for 2026, with the stronger performance.