JPM
JPMorgan Chase & Co.
JPM has the edge over PROV overall, supported by stronger fundamentals and stronger modeled upside.
PROV
Provident Financial Holdings, Inc.
PROV has slightly lower modeled downside risk, despite its lower overall score.
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.
PROV Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PROV's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PROV.
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 PROV in the historical PE scenario, which offers more potential upside but is not a forecast.
PROV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $11.99 | -34% |
| Forward | 13x | $18.24 | — |
| Fair | 15x | $15.03 | -18% |
| Expensive | 18x | $18.75 | +2.8% |
| Current | 18x | $18.24 | — |
Historical ranges are pointers, not guarantees.
PROV's PE is in its expensive range at 18x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its fair range.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
PROV Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect PROV's earnings to grow and its profitability to improve, with its revenue holding steady.
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 PROV on earnings, with more consistent year-over-year improvement.
PROV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.35 | +32% |
| Q3 2026 | $1.03 | +14% |
| Q2 2026 | $1.03 | +11% |
| Q1 2026 | $0.92 | -5.2% |
| Q4 2025 | $0.99 | +8.8% |
| Q3 2025 | $0.90 | -17% |
| Q2 2025 | $0.93 | -12% |
| Q1 2025 | $0.97 | -4.9% |
| Q4 2024 | $0.91 | -19% |
PROV earned $1.03 per share over the past year, up 14% 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 has the edge over PROV on sales, with more consistent year-over-year improvement.
| 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 PROV on profitability, with a higher operating margin.
PROV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +8.5% |
| Q2 2026 | $10.6M | +8.5% |
| Q1 2026 | $9.9M | -2.4% |
| Q4 2025 | $9.8M | +2.5% |
| Q3 2025 | $9.7M | +2.4% |
| Q2 2025 | $9.8M | -1.6% |
| Q1 2025 | $10.1M | +7.6% |
| Q4 2024 | $9.6M | -0.5% |
PROV's revenue has picked up after three years of holding roughly level: $11M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -7.5 points |
| Q2 2026 | 28% | +4.1 points |
| Q1 2026 | 19% | -6.9 points |
| Q4 2025 | 21% | +8.1 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 24% | -4.2 points |
| Q1 2025 | 26% | +3.8 points |
| Q4 2024 | 13% | -19 points |
PROV's operating margin was 21% last quarter, down 7.5 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.
PROV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.3M | +74% |
| Q2 2026 | $3.3M | +53% |
| Q1 2026 | $1.7M | -47% |
| Q4 2025 | $1M | +236% |
| Q3 2025 | $2.5M | +2.7% |
| Q2 2025 | $2.2M | +$3M |
| Q1 2025 | $3.3M | +27% |
| Q4 2024 | $307K | +$749K |
PROV 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 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| 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.
PROV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.9% | -189K shares |
| 1 year | -5% | -332K shares |
| 3 years | -10% | -733K shares |
| 5 years | -17% | -1.3M shares |
| Available history | -18% | -1.4M shares |
PROV has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $1.9M |
| Q1 2026 | $1.5M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | $1.2M |
| Q1 2025 | $801,000 |
| Q4 2024 | $1M |
PROV spent $7M buying back its own shares over the past year, up 64% from the year before.
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.
PROV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.1x | Net Cash |
| Q2 2026 | -3.6x | Net Cash |
| Q1 2026 | -4.4x | Net Cash |
| Q4 2025 | -4.1x | Net Cash |
| Q3 2025 | -4.0x | Net Cash |
| Q2 2025 | -4.3x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.7x | Net Cash |
PROV 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).
PROV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.0 | Neutral |
| Stochastic | 45.7 | Neutral |
PROV's weekly RSI is 64 (neutral) and its Stochastic is 46 (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 PROV on valuation relative to its sector.
PROV PE vs Financial Services Sector
| Metric | PROV | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 36% above |
| PE % | 79 | 63 | 16 pts above |
PROV is trading at 18x earnings, a 36% 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.
PROV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.2 | 0% above |
| 20 week MA | $18.0 | 1.1% above |
| 50 week MA | $17.1 | 6.7% above |
| 100 week MA | $16.2 | 12% above |
| 200 week MA | $14.9 | 23% above |
PROV 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.
PROV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.0 | $15.8 | -28% |
| 2021 | $15.8 | $16.7 | +5.7% |
| 2022 | $16.7 | $13.8 | -17% |
| 2023 | $13.8 | $12.6 | -8.4% |
| 2024 | $12.6 | $15.9 | +26% |
| 2025 | $15.9 | $16.1 | +1.1% |
| 2026 YTD | $16.1 | $18.2 | +13% |
PROV has the edge over JPM on returns for 2026, with the stronger performance.