JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
OPRT
Oportun Financial Corporation
OPRT has a slight edge over JPM overall, supported by stronger modeled upside.
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.
OPRT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
OPRT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPRT.
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 OPRT in the historical PE scenario, which offers more potential upside but is not a forecast.
OPRT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $2.58 | -78% |
| Forward | 5.9x | $11.76 | — |
| Fair | 10x | $7.71 | -34% |
| Current | 16x | $11.76 | — |
| Expensive | 20x | $14.88 | +27% |
Historical ranges are pointers, not guarantees.
OPRT's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 5.9x next year's earnings, in its cheap range.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
OPRT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
OPRT has the edge over JPM on the outlook, with more favorable valuation expectations.
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's earnings per share have climbed steadily: $23.85 over the past year, up 18% from the year before, and higher year over year for 15 quarters in a row.
OPRT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.00 | +170% |
| Q3 2026 | $0.74 | +2.8% |
| Q2 2026 | $0.40 | +$0.54 |
| Q1 2026 | $0.37 | +$1.43 |
| Q4 2025 | $0.53 | +$2.48 |
| Q3 2025 | $0.72 | +$3.85 |
| Q2 2025 | -$0.14 | +$2.79 |
| Q1 2025 | -$1.06 | +$1.50 |
| Q4 2024 | -$1.95 | +$2.93 |
OPRT's earnings per share have fallen from their peak: $0.74 over the past year, against $2.83 in early 2022.
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 OPRT on profitability, with a higher operating margin.
OPRT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $126.6M | +20% |
| Q2 2026 | $105.6M | +1% |
| Q1 2026 | $94.9M | -10% |
| Q4 2025 | $90.4M | -3.2% |
| Q3 2025 | $105.1M | +68% |
| Q2 2025 | $104.6M | +74% |
| Q1 2025 | $105.8M | +34% |
| Q4 2024 | $93.4M | +30% |
OPRT's revenue is recovering but still below its 2022 peak: $127M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +14 points |
| Q2 2026 | 15% | +5.1 points |
| Q1 2026 | 3.8% | -8.7 points |
| Q4 2025 | 7.3% | +3.1 points |
| Q3 2025 | 14% | +77 points |
| Q2 2025 | 9.7% | +92 points |
| Q1 2025 | 12% | +51 points |
| Q4 2024 | 4.2% | +84 points |
OPRT's operating margin was 27% last quarter, up 14 points from the same quarter a year ago, near the top of its range since 2019.
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.
OPRT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $118.9M | +20% |
| Q2 2026 | $109.3M | +4.6% |
| Q1 2026 | $103.7M | +2.7% |
| Q4 2025 | $108.9M | +19% |
| Q3 2025 | $99M | -8.7% |
| Q2 2025 | $104.5M | -3% |
| Q1 2025 | $101M | +18% |
| Q4 2024 | $91.4M | -14% |
OPRT has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 OPRT 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.
OPRT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.2% | +1.6M shares |
| 1 year | +5.5% | +2.7M shares |
| 3 years | +33% | +12.7M shares |
| 5 years | +67% | +20.5M shares |
| Available history | +89% | +24M shares |
OPRT has 51M diluted shares, up 5.5% from a year ago.
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.
OPRT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | 0.9x | Very low |
| Q4 2025 | 1.9x | Healthy |
| Q3 2025 | 3.0x | Elevated |
| Q2 2025 | 15.5x | High |
| Q2 2022 | 15.4x | High |
| Q1 2022 | 10.5x | High |
OPRT has the edge over JPM on leverage, with a lower net debt burden relative to earnings.
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).
OPRT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 83.4 | Overbought |
| Stochastic | 81.4 | Overbought |
OPRT's weekly RSI is 83 (overbought) and its Stochastic is 81 (overbought).
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM has the edge over OPRT on valuation relative to its sector.
OPRT PE vs Financial Services Sector
| Metric | OPRT | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 22% above |
| PE % | 72 | 63 | 9 pts above |
OPRT is trading at 16x earnings, a 22% premium to the Financial Services sector's median of 13x.
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's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
OPRT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.63 | 22% above |
| 20 week MA | $8.03 | 46% above |
| 50 week MA | $6.36 | 85% above |
| 100 week MA | $6.05 | 94% above |
| 200 week MA | $5.15 | 128% above |
OPRT has the edge over JPM on trend strength, trading above more of its moving averages.
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 finished higher in four of the last six years. It's up 4.5% so far in 2026.
OPRT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.3 | $19.2 | -18% |
| 2021 | $19.2 | $21.2 | +10% |
| 2022 | $21.2 | $5.20 | -75% |
| 2023 | $5.20 | $3.91 | -25% |
| 2024 | $3.91 | $4.07 | +4.1% |
| 2025 | $4.07 | $5.37 | +32% |
| 2026 YTD | $5.37 | $11.8 | +119% |
OPRT has the edge over JPM on returns for 2026, with the stronger performance.