JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
SEZL
Sezzle Inc.
SEZL has the edge over JPM overall, supported by stronger fundamentals and stronger valuation.
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.
SEZL Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
SEZL's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like SEZL.
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 SEZL in the historical PE scenario, which offers more potential upside but is not a forecast.
SEZL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 20x | $102 | -34% |
| Forward | 23x | $155 | — |
| Fair | 26x | $137 | -11% |
| Current | 30x | $155 | — |
| Expensive | 39x | $201 | +30% |
Historical ranges are pointers, not guarantees.
SEZL's PE is in its expensive range at 30x. If earnings grow as analysts expect, today's price would be 23x 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.
SEZL Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
SEZL 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.
SEZL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.68 | +28% |
| Q3 2026 | $5.21 | +61% |
| Q2 2026 | $4.58 | +57% |
| Q1 2026 | $4.19 | +42% |
| Q4 2025 | $3.72 | +70% |
| Q3 2025 | $3.24 | +106% |
| Q2 2025 | $2.92 | +150% |
| Q1 2025 | $2.96 | +679% |
| Q4 2024 | $2.19 | +3.3% |
SEZL 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 SEZL on profitability, with a higher operating margin.
SEZL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $166.5M | +43% |
| Q2 2026 | $149.7M | +52% |
| Q1 2026 | $135.5M | +29% |
| Q4 2025 | $129.9M | +32% |
| Q3 2025 | $116.8M | +67% |
| Q2 2025 | $98.7M | +76% |
| Q1 2025 | $104.9M | +123% |
| Q4 2024 | $98.2M | +101% |
SEZL has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +8.1 points |
| Q2 2026 | 37% | +0.2 points |
| Q1 2026 | 51% | +3.4 points |
| Q4 2025 | 43% | +11 points |
| Q3 2025 | 30% | +0.7 points |
| Q2 2025 | 37% | +6.7 points |
| Q1 2025 | 48% | +18 points |
| Q4 2024 | 31% | +16 points |
SEZL's operating margin was 39% last quarter, up 8.1 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.
SEZL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $86.5M | +163% |
| Q2 2026 | $51.8M | +$88.6M |
| Q1 2026 | $88.6M | +51% |
| Q4 2025 | $70.6M | +7426% |
| Q3 2025 | $32.9M | +478% |
| Q2 2025 | -$36.7M | -$32.3M |
| Q1 2025 | $58.8M | +52% |
| Q4 2024 | $937.7K | +$16M |
SEZL 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 SEZL 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.
SEZL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +29K shares |
| 1 year | -2.6% | -922K shares |
| 3 years | +1.1% | +375K shares |
SEZL has 35M diluted shares, down 2.6% from a year ago, with $69M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.6M |
| Q2 2026 | $7.1M |
| Q1 2026 | $25.7M |
| Q4 2025 | $30M |
| Q3 2025 | $4M |
| Q2 2025 | $28.2M |
| Q1 2025 | $2.4M |
| Q4 2024 | $1.5M |
SEZL spent $69M buying back its own shares over the past year, up 92% 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.
SEZL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | 0.4x | Very low |
SEZL 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).
SEZL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.8 | Neutral |
| Stochastic | 53.9 | Neutral |
SEZL's weekly RSI is 64 (neutral) and its Stochastic is 54 (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 SEZL on valuation relative to its sector.
SEZL PE vs Financial Services Sector
| Metric | SEZL | Sector median | Relative |
|---|---|---|---|
| PE | 30x | 13x | 128% above |
| PE % | 68 | 45 | 23 pts above |
SEZL is trading at 30x earnings, a 128% 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 |
SEZL has stronger trend alignment. JPM is above 4 of 5 weekly averages versus SEZL above 4 of 4.
SEZL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $130.8 | 18% above |
| 20 week MA | $136.9 | 13% above |
| 50 week MA | $105.3 | 47% above |
| 100 week MA | $91.7 | 69% above |
SEZL is in an uptrend: it's above all four of its weekly moving averages, and 69% above 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 finished higher in four of the last six years. It's up 4.5% so far in 2026.
SEZL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $1.23 | $3.42 | +178% |
| 2024 | $3.42 | $44.2 | +1192% |
| 2025 | $44.2 | $70.5 | +60% |
| 2026 YTD | $70.5 | $154.7 | +119% |
SEZL has the edge over JPM on returns for 2026, with the stronger performance.