JPM
JPMorgan Chase & Co.
JPM's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
PTIV
Pineapple Financial Inc.
There isn't enough reported data to score PTIV yet.
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.
PTIV Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| N/A | |
| N/A |
PTIV's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like PTIV.
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.
PTIV PE Valuation
PTIV has no meaningful PE right now: it lost money over the past year.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
PTIV Forward outlook
There aren't enough analyst estimates for PTIV to show an outlook.
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 stronger earnings trend. Trailing diluted EPS is up 18% for JPM versus PTIV down 205%.
PTIV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$10.05 | -$0.45 |
| Q1 2026 | -$12.04 | -$1.04 |
| Q4 2025 | -$12.63 | -$1.43 |
| Q3 2025 | -$10.44 | +$0.96 |
| Q2 2025 | -$9.60 | -$0.74 |
| Q1 2025 | -$11.00 | -$2.34 |
| Q4 2024 | -$11.20 | -$2.72 |
| Q3 2024 | -$11.40 | -$4.24 |
PTIV lost $10.05 per share over the past year, about the same as its loss 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 stronger quarterly revenue trend. Revenue is up 8.1% for JPM versus down 17% for PTIV.
| 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's operating margin was 40% last quarter, about level with the same quarter a year ago.
PTIV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $622.5K | -17% |
| Q1 2026 | $707.3K | -4.8% |
| Q4 2025 | $721.7K | -5.8% |
| Q3 2025 | $727.4K | +1.4% |
| Q2 2025 | $746.9K | +1.4% |
| Q1 2025 | $743.3K | -5.3% |
| Q4 2024 | $766.1K | +35% |
| Q3 2024 | $717.6K | +27% |
PTIV's revenue has slid since its 2022 peak: $622,502 last quarter, down 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 4005% | +4099 points |
| Q1 2026 | -2519% | -2438 points |
| Q4 2025 | -909% | -819 points |
| Q3 2025 | -132% | +60 points |
| Q2 2025 | -93% | +28 points |
| Q1 2025 | -81% | +3.4 points |
| Q4 2024 | -91% | +67 points |
| Q3 2024 | -191% | -76 points |
PTIV's operating margin was 4005% last quarter, up 4099 points from the same quarter a year ago, near the top of its range since 2021.
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% |
PTIV has the stronger cash trend. Its trailing FCF is down 92% versus its history, compared with JPM at down 229%.
PTIV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2025 | -$507.6K | -$242.9K |
| Q3 2024 | -$264.7K | +$309.2K |
| Q2 2024 | $122.7K | +$442.2K |
| Q1 2024 | -$546.5K | +$554.5K |
| Q4 2023 | -$1M | +$174.7K |
| Q3 2023 | -$573.9K | +$143.5K |
| Q2 2023 | -$319.5K | +$754.4K |
PTIV's free cash flow was −$5M over the past year, against −$2M the year before. Free cash flow isn't a meaningful measure for financial services companies like PTIV.
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 PTIV 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.
PTIV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +58% | +9.4M shares |
| 1 year | +5568% | +25.1M shares |
| 3 years | +6670% | +25.2M shares |
PTIV has 26M diluted shares, up 5568% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
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.
PTIV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -5.8x | Net Cash |
PTIV has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PTIV.
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).
PTIV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.5 | Neutral |
| Stochastic | 3.9 | Oversold |
PTIV's weekly RSI is 38 (neutral) and its Stochastic is 4 (oversold).
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.
PTIV PE vs Financial Services Sector
PTIV has no meaningful PE right now: it lost money over the past year.
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 stronger trend alignment. JPM is above 4 of 5 weekly averages versus PTIV above 0 of 4.
PTIV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.86 | 19% below |
| 20 week MA | $0.95 | 26% below |
| 50 week MA | $1.07 | 35% below |
| 100 week MA | $3.12 | 78% below |
PTIV is in a downtrend: it's below all four of its weekly moving averages, and 78% below its 100-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 the edge over PTIV on returns for 2026, with the stronger performance.
PTIV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $37.2 | $35.8 | -3.8% |
| 2024 | $35.8 | $8.82 | -75% |
| 2025 | $8.82 | $1.93 | -78% |
| 2026 YTD | $1.93 | $0.70 | -64% |
PTIV has finished every year since 2023 lower, and it's down 64% so far in 2026.