JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
TREE
LendingTree, Inc.
TREE has the edge over JPM overall, supported by 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.
TREE Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TREE's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TREE.
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 TREE in the historical PE scenario, which offers more potential upside but is not a forecast.
TREE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.3x | $23.41 | -34% |
| Current | 5x | $35.31 | — |
| Forward | 5.5x | $35.31 | — |
| Fair | 26x | $184 | +421% |
| Expensive | 157x | $1,107 | +3035% |
Historical ranges are pointers, not guarantees.
TREE's PE is in its cheap range at 5.0x. On analysts' estimates for next year's earnings, today's price would be 5.5x.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over TREE on the outlook, with more favorable valuation expectations.
TREE Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TREE, with profitability improving.
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.
TREE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.42 | -9.1% |
| Q3 2026 | $7.07 | +607% |
| Q2 2026 | $12.95 | +$17.02 |
| Q1 2026 | $12.92 | +$17.06 |
| Q4 2025 | $10.78 | +$13.92 |
| Q3 2025 | $1.00 | +$3.74 |
| Q2 2025 | -$4.07 | +$5.76 |
| Q1 2025 | -$4.14 | +$6.28 |
| Q4 2024 | -$3.14 | +$6.32 |
TREE's earnings per share have climbed steadily: $7.07 over the past year, about seven times what it earned the year before, and higher year over year for 12 quarters in a row.
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 TREE on profitability, with a higher operating margin.
TREE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $343.6M | +12% |
| Q2 2026 | $313.4M | +25% |
| Q1 2026 | $327.3M | +37% |
| Q4 2025 | $319.7M | +22% |
| Q3 2025 | $307.8M | +18% |
| Q2 2025 | $250.1M | +19% |
| Q1 2025 | $239.7M | +43% |
| Q4 2024 | $261.5M | +95% |
TREE has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -20% | -30 points |
| Q2 2026 | 7% | -1.4 points |
| Q1 2026 | 9.5% | +13 points |
| Q4 2025 | 7% | +0.1 points |
| Q3 2025 | 9.3% | +5.5 points |
| Q2 2025 | 8.4% | +3.8 points |
| Q1 2025 | -3% | -7.3 points |
| Q4 2024 | 6.9% | +7 points |
TREE's operating margin was −20% last quarter, down 30 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
TREE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $32.8M | +28% |
| Q2 2026 | $26M | +3.1% |
| Q1 2026 | $8.8M | +$12.4M |
| Q4 2025 | $13.5M | +0.8% |
| Q3 2025 | $25.6M | -40% |
| Q2 2025 | $25.2M | +$32.9M |
| Q1 2025 | -$3.6M | -222% |
| Q4 2024 | $13.4M | -27% |
TREE 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 TREE 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.
TREE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -14K shares |
| 1 year | +0.4% | +52K shares |
| 3 years | +8.1% | +1M shares |
| 5 years | +5.8% | +772K shares |
| Available history | -4% | -579K shares |
TREE has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | $43M |
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 TREE on leverage, with a lower net debt burden relative to earnings.
TREE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 11.6x | High |
| Q2 2026 | 2.3x | Moderate |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 3.8x | Elevated |
| Q3 2025 | 4.2x | High |
| Q2 2025 | 5.8x | High |
| Q1 2025 | 7.6x | High |
| Q4 2024 | 5.8x | High |
TREE's net debt is about 12 years of its operating earnings (EBITDA), up from 4.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TREE.
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).
TREE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.1 | Neutral |
| Stochastic | 56.8 | Neutral |
TREE's weekly RSI is 53 (neutral) and its Stochastic is 57 (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.
TREE PE vs Financial Services Sector
| Metric | TREE | Sector median | Relative |
|---|---|---|---|
| PE | 5x | 13x | 62% below |
| PE % | 25 | 63 | 38 pts below |
TREE 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 TREE on trend strength, trading above more of its moving averages.
TREE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.4 | 25% above |
| 20 week MA | $32.0 | 10% above |
| 50 week MA | $40.1 | 12% below |
| 100 week MA | $44.5 | 21% below |
| 200 week MA | $39.1 | 9.7% below |
TREE has bounced recently, but its long-term trend is still down: it's above its 8- and 20-week averages, but 9.7% 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 TREE on returns for 2026, with the stronger performance.
TREE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $294.4 | $277.5 | -5.8% |
| 2021 | $277.5 | $125.9 | -55% |
| 2022 | $125.9 | $18.9 | -85% |
| 2023 | $18.9 | $30.3 | +60% |
| 2024 | $30.3 | $39.3 | +29% |
| 2025 | $39.3 | $54.4 | +39% |
| 2026 YTD | $54.4 | $35.3 | -35% |
TREE has finished lower in three of the last six years. It's down 35% so far in 2026.