JPM
JPMorgan Chase & Co.
JPM has a slight edge over PMTS overall, supported by lower modeled downside and stronger valuation.
PMTS
CPI Card Group Inc.
PMTS offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
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.
PMTS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PMTS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PMTS.
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 PMTS in the historical PE scenario, which offers more potential upside but is not a forecast.
PMTS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.6x | $25.16 | — |
| Cheap | 7.7x | $10.50 | -58% |
| Fair | 13x | $17.47 | -31% |
| Expensive | 18x | $24.54 | -2.5% |
| Current | 18x | $25.16 | — |
Historical ranges are pointers, not guarantees.
PMTS's PE is in its expensive range at 18x. If earnings grow as analysts expect, today's price would be 7.6x 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.
PMTS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
PMTS 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 has the edge over PMTS on earnings, with more consistent year-over-year improvement.
PMTS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.32 | +142% |
| Q3 2026 | $1.37 | +15% |
| Q2 2026 | $1.15 | +3.6% |
| Q1 2026 | $1.02 | -35% |
| Q4 2025 | $1.25 | -24% |
| Q3 2025 | $1.19 | -8.5% |
| Q2 2025 | $1.11 | -27% |
| Q1 2025 | $1.58 | +1.3% |
| Q4 2024 | $1.64 | -18% |
PMTS's earnings per share have fallen from their peak: $1.37 over the past year, against $3.54 in mid-2023.
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 PMTS on profitability, with a higher operating margin.
PMTS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $158.4M | +15% |
| Q2 2026 | $149.2M | +15% |
| Q1 2026 | $147.1M | +20% |
| Q4 2025 | $153.1M | +22% |
| Q3 2025 | $138M | +11% |
| Q2 2025 | $129.8M | +9.2% |
| Q1 2025 | $122.8M | +9.7% |
| Q4 2024 | $125.1M | +22% |
PMTS has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.9% | +0.5 points |
| Q2 2026 | 8% | +0.7 points |
| Q1 2026 | 7.5% | -4 points |
| Q4 2025 | 12% | -0.8 points |
| Q3 2025 | 9.4% | -4.8 points |
| Q2 2025 | 7.3% | -5.3 points |
| Q1 2025 | 11% | -1.2 points |
| Q4 2024 | 13% | +2.5 points |
PMTS's operating margin was 9.9% last quarter, about level with 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.
PMTS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.1M | +90% |
| Q2 2026 | $25.9M | +4762% |
| Q1 2026 | $10.1M | +3371% |
| Q4 2025 | $35.2M | +63% |
| Q3 2025 | $5.3M | -52% |
| Q2 2025 | $533K | +$6.5M |
| Q1 2025 | $292K | -96% |
| Q4 2024 | $21.6M | +89% |
PMTS 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 PMTS 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.
PMTS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.1% | +127K shares |
| 1 year | +2.6% | +313K shares |
| 3 years | +2.9% | +339K shares |
| 5 years | +3.1% | +367K shares |
| Available history | +8.7% | +970K shares |
PMTS has 12M diluted shares, up 2.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | $2.2M |
| Q2 2024 | $5.2M |
| Q1 2024 | $1.3M |
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 PMTS on leverage, with a lower net debt burden relative to earnings.
PMTS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.9x | Moderate |
| Q2 2026 | 3.0x | Elevated |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 3.4x | Elevated |
| Q3 2025 | 4.0x | High |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 3.1x | Elevated |
| Q4 2024 | 3.1x | Elevated |
PMTS's net debt is about 2.9 years of its operating earnings (EBITDA), down from 4.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PMTS.
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).
PMTS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.1 | Neutral |
| Stochastic | 40.6 | Neutral |
PMTS's weekly RSI is 56 (neutral) and its Stochastic is 41 (neutral).
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 PMTS on valuation relative to its sector.
PMTS PE vs Financial Services Sector
| Metric | PMTS | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 41% above |
| PE % | 84 | 63 | 21 pts above |
PMTS is trading at 18x earnings, a 41% 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.
PMTS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.3 | 0.6% below |
| 20 week MA | $24.5 | 2.7% above |
| 50 week MA | $19.2 | 31% above |
| 100 week MA | $20.7 | 21% above |
| 200 week MA | $22.9 | 9.8% above |
PMTS has slipped below its 8-week average, but it's still above the other four, and 9.8% 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.
PMTS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $0.82 | $4.25 | +418% |
| 2021 | $4.25 | $20.1 | +373% |
| 2022 | $20.1 | $35.1 | +75% |
| 2023 | $35.1 | $19.2 | -45% |
| 2024 | $19.2 | $31.9 | +66% |
| 2025 | $31.9 | $15.2 | -52% |
| 2026 YTD | $15.2 | $25.2 | +65% |
PMTS has the edge over JPM on returns for 2026, with the stronger performance.