JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
UVE
Universal Insurance Holdings, Inc.
UVE has the edge over JPM overall, supported by stronger valuation and stronger fundamentals.
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.
UVE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVE's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UVE.
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.
UVE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.1x | $48.57 | — |
| Cheap | 7x | $55.89 | +15% |
| Fair | 10x | $82.24 | +69% |
| Forward | 13x | $48.57 | — |
| Expensive | 24x | $195 | +302% |
Historical ranges are pointers, not guarantees.
UVE has the edge over JPM in the historical PE scenario, which offers more potential upside but is not a forecast.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over UVE on the outlook, with more favorable valuation and earnings expectations.
UVE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect UVE's earnings and profitability to decline, with its revenue holding steady.
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.
UVE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.88 | -51% |
| Q3 2026 | $8.00 | +89% |
| Q2 2026 | $7.58 | +231% |
| Q1 2026 | $6.75 | +195% |
| Q4 2025 | $6.31 | +217% |
| Q3 2025 | $4.24 | +72% |
| Q2 2025 | $2.29 | -19% |
| Q1 2025 | $2.29 | -10% |
| Q4 2024 | $1.99 | -9.5% |
UVE earned $8.00 per share over the past year, up 89% from 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 edge over UVE on sales, with stronger typical year-over-year growth.
| 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 UVE on profitability, with a higher operating margin.
UVE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $439.3M | +9.6% |
| Q2 2026 | $427M | +6.7% |
| Q1 2026 | $393.6M | -0.3% |
| Q4 2025 | $407.9M | +6% |
| Q3 2025 | $401M | +3.5% |
| Q2 2025 | $400.1M | +5.2% |
| Q1 2025 | $394.9M | +7.3% |
| Q4 2024 | $384.8M | +2.5% |
UVE's revenue is growing: $439M last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +2.8 points |
| Q2 2026 | 19% | +7.1 points |
| Q1 2026 | 18% | +4.2 points |
| Q4 2025 | 22% | +20 points |
| Q3 2025 | 13% | +18 points |
| Q2 2025 | 12% | -1 points |
| Q1 2025 | 14% | +1.1 points |
| Q4 2024 | 1.9% | -5 points |
UVE's operating margin was 16% last quarter, up 2.8 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.
UVE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $82M | +34% |
| Q2 2026 | $100.2M | -4.8% |
| Q1 2026 | $153.2M | -17% |
| Q4 2025 | $25M | +$127.2M |
| Q3 2025 | $61.3M | -24% |
| Q2 2025 | $105.2M | +47% |
| Q1 2025 | $185.5M | +133% |
| Q4 2024 | -$102.2M | -$101.4M |
UVE 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 UVE 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.
UVE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +142K shares |
| 1 year | +1.3% | +377K shares |
| 3 years | -1.5% | -432K shares |
| 5 years | -6.9% | -2.2M shares |
| Available history | -15% | -5M shares |
UVE has 29M diluted shares, up 1.3% from a year ago, despite $26M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $7.5M |
| Q2 2026 | $4.5M |
| Q1 2026 | $7.1M |
| Q4 2025 | $6.9M |
| Q3 2025 | $8.1M |
| Q2 2025 | $7.4M |
| Q1 2025 | — |
| Q4 2024 | $7.7M |
UVE spent $26M buying back its own shares over the past year, up 12% 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.
UVE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.5x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -2.9x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
UVE 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).
UVE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 69.2 | Neutral |
UVE's weekly RSI is 66 (neutral) and its Stochastic is 69 (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.
UVE PE vs Financial Services Sector
| Metric | UVE | Sector median | Relative |
|---|---|---|---|
| PE | 6.1x | 13x | 53% below |
| PE % | 10 | 63 | 53 pts below |
UVE 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's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
UVE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.5 | 4.5% above |
| 20 week MA | $44.3 | 9.5% above |
| 50 week MA | $38.5 | 26% above |
| 100 week MA | $31.7 | 53% above |
| 200 week MA | $24.6 | 98% above |
UVE has the edge over JPM on trend strength, trading above more of its moving averages.
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.
UVE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $28.0 | $14.8 | -47% |
| 2021 | $14.8 | $16.8 | +14% |
| 2022 | $16.8 | $11.0 | -35% |
| 2023 | $11.0 | $16.0 | +46% |
| 2024 | $16.0 | $20.6 | +29% |
| 2025 | $20.6 | $33.8 | +64% |
| 2026 YTD | $33.8 | $48.6 | +44% |
UVE has the edge over JPM on returns for 2026, with the stronger performance.