JPM
JPMorgan Chase & Co.
JPM has a slight edge over STC overall, supported by lower modeled downside and stronger fundamentals.
STC
Stewart Information Services Corporation
STC offers stronger valuation, 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.
STC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
STC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like STC.
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 STC in the historical PE scenario, which offers more potential upside but is not a forecast.
STC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $24.64 | -41% |
| Forward | 7.3x | $41.62 | — |
| Current | 10x | $41.62 | — |
| Fair | 12x | $48.46 | +16% |
| Expensive | 32x | $128 | +207% |
Historical ranges are pointers, not guarantees.
STC's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 7.3x 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.
STC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for STC, with profitability holding steady. However, they disagree widely on these estimates.
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.
STC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.69 | +42% |
| Q3 2026 | $4.00 | +11% |
| Q2 2026 | $4.57 | +46% |
| Q1 2026 | $4.49 | +72% |
| Q4 2025 | $4.05 | +55% |
| Q3 2025 | $3.60 | +70% |
| Q2 2025 | $3.12 | +100% |
| Q1 2025 | $2.61 | +72% |
| Q4 2024 | $2.61 | +135% |
STC 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 STC on profitability, with a higher operating margin.
STC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $900.7M | +13% |
| Q2 2026 | $899.2M | +25% |
| Q1 2026 | $781.3M | +28% |
| Q4 2025 | $790.6M | +19% |
| Q3 2025 | $796.9M | +19% |
| Q2 2025 | $722.2M | +20% |
| Q1 2025 | $612M | +10% |
| Q4 2024 | $665.9M | +14% |
STC has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.1% | -2.6 points |
| Q2 2026 | 6.1% | -0.4 points |
| Q1 2026 | 3% | +2.1 points |
| Q4 2025 | 6.5% | +1.2 points |
| Q3 2025 | 7.7% | +1.3 points |
| Q2 2025 | 6.5% | +1.7 points |
| Q1 2025 | 1% | -0.3 points |
| Q4 2024 | 5.3% | +2.1 points |
STC's operating margin was 5.1% last quarter, down 2.6 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.
STC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.6M | -65% |
| Q2 2026 | $35M | -9.4% |
| Q1 2026 | -$20.9M | +$21.3M |
| Q4 2025 | $62.3M | +12% |
| Q3 2025 | $73.6M | +9.1% |
| Q2 2025 | $38.7M | +224% |
| Q1 2025 | -$42.2M | -$2.4M |
| Q4 2024 | $55.6M | +78% |
STC 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 STC 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.
STC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +123K shares |
| 1 year | +8.7% | +2.5M shares |
| 3 years | +12% | +3.3M shares |
| 5 years | +14% | +3.7M shares |
| Available history | +30% | +7.2M shares |
STC has 31M diluted shares, up 8.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $107,000 |
| Q2 2026 | $93,000 |
| Q1 2026 | $5.2M |
| Q4 2025 | $322,000 |
| Q3 2025 | $91,000 |
| Q2 2025 | $109,000 |
| Q1 2025 | $3.4M |
| Q4 2024 | $226,000 |
STC spent $6M buying back its own shares over the past year, up 52% 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.
STC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | 1.3x | Healthy |
STC 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).
STC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.8 | Oversold |
| Stochastic | 7.5 | Oversold |
STC's weekly RSI is 26 (oversold) and its Stochastic is 8 (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.
STC PE vs Financial Services Sector
| Metric | STC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 41 | 63 | 22 pts below |
STC 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 STC on trend strength, trading above more of its moving averages.
STC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.9 | 15% below |
| 20 week MA | $60.4 | 31% below |
| 50 week MA | $64.7 | 36% below |
| 100 week MA | $66.3 | 37% below |
| 200 week MA | $61.0 | 32% below |
STC is in a downtrend: it's below all five of its weekly moving averages, and 32% below 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 STC on returns for 2026, with the stronger performance.
STC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $41.4 | $49.0 | +18% |
| 2021 | $49.0 | $78.1 | +59% |
| 2022 | $78.1 | $42.3 | -46% |
| 2023 | $42.3 | $58.8 | +39% |
| 2024 | $58.8 | $69.1 | +18% |
| 2025 | $69.1 | $71.1 | +2.9% |
| 2026 YTD | $71.1 | $41.6 | -41% |
STC is down 41% so far in 2026, after finishing higher in five of the previous six years.