JPM
JPMorgan Chase & Co.
JPM has a slight edge over WRLD overall, supported by stronger fundamentals and lower modeled downside.
WRLD
World Acceptance Corporation
WRLD 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.
WRLD Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WRLD's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WRLD.
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.
WRLD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $109 | -20% |
| Forward | 10x | $136 | — |
| Current | 13x | $136 | — |
| Fair | 14x | $151 | +11% |
| Expensive | 23x | $239 | +75% |
Historical ranges are pointers, not guarantees.
WRLD 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 |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
WRLD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
WRLD 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 has the edge over WRLD on earnings, with more consistent year-over-year improvement.
WRLD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.23 | +26% |
| Q3 2026 | $10.50 | +0.5% |
| Q2 2026 | $8.20 | -45% |
| Q1 2026 | $7.12 | -56% |
| Q4 2025 | $7.81 | -45% |
| Q3 2025 | $10.45 | -29% |
| Q2 2025 | $14.82 | +10% |
| Q1 2025 | $16.36 | +23% |
| Q4 2024 | $14.32 | +24% |
WRLD's earnings per share have fallen from their peak: $10.50 over the past year, against $16.36 in early 2025. Its recent earnings include one-off gains.
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 WRLD on profitability, with a higher operating margin.
WRLD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $139.2M | +3.5% |
| Q2 2026 | $139.2M | +5.1% |
| Q1 2026 | $175.9M | +6.4% |
| Q4 2025 | $141.3M | +1.9% |
| Q3 2025 | $134.5M | +2.3% |
| Q2 2025 | $132.5M | +2.3% |
| Q1 2025 | $165.3M | +3.8% |
| Q4 2024 | $138.6M | +0.6% |
WRLD's revenue has grown year over year for eight quarters in a row: $139M last quarter, up 3.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 8.4% | +9.6 points |
| Q2 2026 | 5.7% | +4.2 points |
| Q1 2026 | 26% | -7.8 points |
| Q4 2025 | -0.7% | -12 points |
| Q3 2025 | -1.3% | -23 points |
| Q2 2025 | 1.5% | -8.5 points |
| Q1 2025 | 33% | +4.1 points |
| Q4 2024 | 12% | -2.6 points |
WRLD's operating margin was 8.4% last quarter, up 9.6 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.
WRLD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.7M | +36% |
| Q2 2026 | $63.1M | +10% |
| Q1 2026 | $93.5M | +3.8% |
| Q4 2025 | $57.2M | -5.4% |
| Q3 2025 | $47.7M | -9.4% |
| Q2 2025 | $57.1M | +21% |
| Q1 2025 | $90.1M | +9.5% |
| Q4 2024 | $60.4M | +4.8% |
WRLD 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.
WRLD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -22.7K shares |
| 1 year | -10% | -534K shares |
| 3 years | -23% | -1.4M shares |
| 5 years | -29% | -1.9M shares |
| Available history | -37% | -2.7M shares |
WRLD has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $2.2M |
| Q1 2026 | $37.8M |
| Q4 2025 | $15M |
| Q3 2025 | $66.6M |
| Q2 2025 | $13M |
| Q1 2025 | $32M |
| Q4 2024 | $1M |
WRLD spent $80M buying back its own shares over the past year, down 29% 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 has the edge over WRLD on leverage, with a lower net debt burden relative to earnings.
WRLD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.1x | High |
| Q2 2026 | 9.5x | High |
| Q1 2026 | 10.9x | High |
| Q4 2025 | 10.5x | High |
| Q3 2025 | 7.0x | High |
| Q2 2025 | 4.2x | High |
| Q1 2025 | 3.6x | Elevated |
| Q4 2024 | 4.8x | High |
WRLD's net debt is about 8.1 years of its operating earnings (EBITDA), up from 7.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WRLD.
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).
WRLD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.0 | Neutral |
| Stochastic | 5.0 | Oversold |
WRLD's weekly RSI is 32 (neutral) and its Stochastic is 5 (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.
WRLD PE vs Financial Services Sector
| Metric | WRLD | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.3% below |
| PE % | 35 | 63 | 28 pts below |
WRLD 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 WRLD on trend strength, trading above more of its moving averages.
WRLD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $163.8 | 17% below |
| 20 week MA | $180.8 | 25% below |
| 50 week MA | $160.8 | 15% below |
| 100 week MA | $153.5 | 11% below |
| 200 week MA | $136.8 | 0.4% below |
WRLD is in a downtrend: it's below all five of its weekly moving averages, and 0.4% 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 WRLD on returns for 2026, with the stronger performance.
WRLD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $85.9 | $103.4 | +20% |
| 2021 | $103.4 | $254.3 | +146% |
| 2022 | $254.3 | $63.5 | -75% |
| 2023 | $63.5 | $130.5 | +106% |
| 2024 | $130.5 | $110.7 | -15% |
| 2025 | $110.7 | $147.4 | +33% |
| 2026 YTD | $147.4 | $136.3 | -7.5% |
WRLD's yearly returns have swung widely, from +146% in 2021 to −75% in 2022. It's down 7.5% so far in 2026.