JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
PFS
Provident Financial Services, Inc.
PFS has the edge over JPM overall, supported by stronger valuation and stronger fundamentals.
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.
PFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PFS.
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's PE is in its expensive range at 14.4x. If earnings grow as analysts expect, today's price would be 13.7x next year's earnings.
PFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $20.68 | -9.8% |
| Forward | 9.1x | $22.94 | — |
| Current | 9.6x | $22.94 | — |
| Fair | 10x | $24.58 | +7.1% |
| Expensive | 15x | $35.05 | +53% |
Historical ranges are pointers, not guarantees.
PFS has the edge over JPM in the historical PE scenario, which offers more potential upside but is not a forecast.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
PFS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
PFS 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.
PFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.53 | +6.1% |
| Q3 2026 | $2.38 | +21% |
| Q2 2026 | $2.40 | +36% |
| Q1 2026 | $2.35 | +112% |
| Q4 2025 | $2.23 | +112% |
| Q3 2025 | $1.96 | +88% |
| Q2 2025 | $1.77 | +67% |
| Q1 2025 | $1.11 | -31% |
| Q4 2024 | $1.05 | -39% |
PFS earned $2.38 per share over the past year, up 21% from the year before.
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 PFS on profitability, with a higher operating margin.
PFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $238.5M | +7.6% |
| Q2 2026 | $234.7M | +9.6% |
| Q1 2026 | $225.2M | +7.9% |
| Q4 2025 | $225.7M | +9.6% |
| Q3 2025 | $221.8M | +5.3% |
| Q2 2025 | $214.2M | +31% |
| Q1 2025 | $208.8M | +82% |
| Q4 2024 | $205.9M | +79% |
PFS has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | -7 points |
| Q2 2026 | 45% | -2.6 points |
| Q1 2026 | 49% | +4.9 points |
| Q4 2025 | 50% | +19 points |
| Q3 2025 | 46% | +15 points |
| Q2 2025 | 48% | +61 points |
| Q1 2025 | 44% | +6.5 points |
| Q4 2024 | 30% | -4.2 points |
PFS's operating margin was 39% last quarter, down 7 points from the same quarter a year ago.
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.
PFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.9M | -50% |
| Q2 2026 | $108.6M | -41% |
| Q1 2026 | $81M | -7.3% |
| Q4 2025 | $64.1M | -73% |
| Q3 2025 | $96.7M | +42% |
| Q2 2025 | $182.6M | +142% |
| Q1 2025 | $87.4M | +114% |
| Q4 2024 | $240.8M | +438% |
PFS 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 PFS 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.
PFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +29.4K shares |
| 1 year | -0.1% | -136K shares |
| 3 years | +74% | +55.5M shares |
| 5 years | +70% | +53.7M shares |
| Available history | +101% | +65.7M shares |
PFS has 130M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $10.3M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $1,000 |
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 has the edge over PFS on leverage, with a lower net debt burden relative to earnings.
PFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 14.7x | High |
| Q2 2026 | 12.8x | High |
| Q1 2026 | 14.1x | High |
| Q4 2025 | 12.2x | High |
| Q3 2025 | 13.1x | High |
| Q2 2025 | 16.4x | High |
| Q1 2025 | 24.0x | High |
| Q4 2024 | 27.4x | High |
PFS's net debt is about 15 years of its operating earnings (EBITDA), up from 13 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PFS.
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).
PFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.8 | Neutral |
| Stochastic | 34.6 | Neutral |
PFS's weekly RSI is 51 (neutral) and its Stochastic is 35 (neutral).
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.
PFS PE vs Financial Services Sector
| Metric | PFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 31 | 63 | 32 pts below |
PFS has the edge over JPM on valuation relative to its sector.
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.
PFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.7 | 0.9% above |
| 20 week MA | $23.4 | 2% below |
| 50 week MA | $22.4 | 2.6% above |
| 100 week MA | $20.2 | 13% above |
| 200 week MA | $18.8 | 22% above |
PFS's trend is mixed: it's above four of its five weekly moving averages, and 22% above its 200-week average.
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.
PFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.6 | $17.9 | -28% |
| 2021 | $17.9 | $24.3 | +36% |
| 2022 | $24.3 | $21.4 | -12% |
| 2023 | $21.4 | $18.0 | -16% |
| 2024 | $18.0 | $18.9 | +4.7% |
| 2025 | $18.9 | $20.4 | +7.9% |
| 2026 YTD | $20.4 | $22.9 | +13% |
PFS has the edge over JPM on returns for 2026, with the stronger performance.