JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
RM
Regional Management Corp.
RM has the edge over JPM overall, supported by stronger valuation and 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.
RM Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
RM's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RM.
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 RM in the historical PE scenario, which offers more potential upside but is not a forecast.
RM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.6x | $27.45 | -21% |
| Forward | 5.6x | $34.74 | — |
| Current | 7x | $34.74 | — |
| Fair | 8.4x | $41.46 | +19% |
| Expensive | 12x | $59.24 | +71% |
Historical ranges are pointers, not guarantees.
RM's PE is in its cheap range at 7.0x. If earnings grow as analysts expect, today's price would be 5.6x next year's earnings.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
RM Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
RM 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.
RM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.23 | +26% |
| Q3 2026 | $4.94 | +20% |
| Q2 2026 | $4.75 | +38% |
| Q1 2026 | $4.93 | +50% |
| Q4 2025 | $4.45 | +7.5% |
| Q3 2025 | $4.11 | +71% |
| Q2 2025 | $3.45 | +35% |
| Q1 2025 | $3.28 | +41% |
| Q4 2024 | $4.14 | +149% |
RM has the edge over JPM on earnings, with stronger typical year-over-year growth.
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 RM on profitability, with a higher operating margin.
RM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $178.8M | +8% |
| Q2 2026 | $168M | +6.7% |
| Q1 2026 | $167.3M | +9.4% |
| Q4 2025 | $169.7M | +9.6% |
| Q3 2025 | $165.5M | +13% |
| Q2 2025 | $157.4M | +10% |
| Q1 2025 | $153M | +6% |
| Q4 2024 | $154.8M | +9.3% |
RM has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -0.4 points |
| Q2 2026 | 6.3% | -2.3 points |
| Q1 2026 | 8.9% | +2.9 points |
| Q4 2025 | 9.5% | +1.3 points |
| Q3 2025 | 11% | +4.5 points |
| Q2 2025 | 8.6% | +0.7 points |
| Q1 2025 | 6% | -7.8 points |
| Q4 2024 | 8.2% | +15 points |
RM's operating margin was 11% 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.
RM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $81.7M | -4.6% |
| Q2 2026 | $79.3M | +2.1% |
| Q1 2026 | $79.9M | +28% |
| Q4 2025 | $78.6M | +26% |
| Q3 2025 | $85.7M | +16% |
| Q2 2025 | $77.6M | +10% |
| Q1 2025 | $62.4M | +8.6% |
| Q4 2024 | $62.3M | -5.3% |
RM 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.
RM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -242K shares |
| 1 year | -7.6% | -771K shares |
| 3 years | -3% | -288K shares |
| 5 years | -11% | -1.2M shares |
| Available history | -20% | -2.4M shares |
RM has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $10M |
| Q2 2026 | $5.1M |
| Q1 2026 | $7.5M |
| Q4 2025 | $7.5M |
| Q3 2025 | $5M |
| Q2 2025 | $5M |
| Q1 2025 | $6.5M |
| Q4 2022 | — |
RM spent $30M buying back its own shares over the past year.
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 RM on leverage, with a lower net debt burden relative to earnings.
RM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 21.6x | High |
| Q2 2026 | 21.1x | High |
| Q1 2026 | 19.9x | High |
| Q4 2025 | 22.1x | High |
| Q3 2025 | 22.5x | High |
| Q2 2025 | 24.9x | High |
| Q1 2025 | 25.5x | High |
| Q4 2024 | 21.5x | High |
RM's net debt is more than 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like RM.
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).
RM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.6 | Neutral |
| Stochastic | 50.3 | Neutral |
RM's weekly RSI is 50 (neutral) and its Stochastic is 50 (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.
RM PE vs Financial Services Sector
| Metric | RM | Sector median | Relative |
|---|---|---|---|
| PE | 7x | 13x | 46% below |
| PE % | 28 | 63 | 35 pts below |
RM 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 has the edge over RM on trend strength, trading above more of its moving averages.
RM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $33.8 | 2.7% above |
| 20 week MA | $35.1 | 1.1% below |
| 50 week MA | $35.8 | 2.9% below |
| 100 week MA | $35.0 | 0.8% below |
| 200 week MA | $31.6 | 10% above |
RM's trend is mixed: it's above two of its five weekly moving averages, and 10% 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 the edge over RM on returns for 2026, with the stronger performance.
RM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.6 | $28.6 | -3.4% |
| 2021 | $28.6 | $57.2 | +100% |
| 2022 | $57.2 | $27.7 | -52% |
| 2023 | $27.7 | $25.1 | -9.4% |
| 2024 | $25.1 | $33.7 | +34% |
| 2025 | $33.7 | $40.1 | +19% |
| 2026 YTD | $40.1 | $34.7 | -13% |
RM's yearly returns have swung widely, from +100% in 2021 to −52% in 2022. It's down 13% so far in 2026.