JPM
JPMorgan Chase & Co.
JPM's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
YRD
Yiren Digital Ltd.
There isn't enough reported data to score YRD yet.
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.
YRD Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
YRD's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like YRD.
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.
YRD PE Valuation
YRD has no meaningful PE right now: it lost money over the past year.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
YRD Forward outlook
There aren't enough analyst estimates for YRD to show an outlook.
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 YRD on earnings quality, reporting a profit while its opponent remains loss making.
YRD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$2.56 | -215% |
| Q1 2026 | -$1.18 | -151% |
| Q4 2025 | $0.10 | -96% |
| Q3 2025 | $2.16 | -31% |
| Q2 2025 | $2.22 | -35% |
| Q1 2025 | $2.31 | -36% |
| Q4 2024 | $2.71 | -23% |
| Q3 2024 | $3.11 | -6.9% |
YRD has swung to a loss: it lost $2.56 per share over the past year, after a profit 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'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 YRD on profitability, with a higher operating margin.
YRD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $133.6M | -47% |
| Q1 2026 | $137.3M | -41% |
| Q4 2025 | $141.9M | -35% |
| Q3 2025 | $233.4M | +5.1% |
| Q2 2025 | $251.3M | +12% |
| Q1 2025 | $233.3M | +13% |
| Q4 2024 | $217.9M | +14% |
| Q3 2024 | $222M | +13% |
YRD's revenue has slid since its 2019 peak: $134M last quarter, down 47% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -40% | -62 points |
| Q1 2026 | 27% | +7.3 points |
| Q4 2025 | -4.7% | -25 points |
| Q3 2025 | 42% | +19 points |
| Q2 2025 | 23% | -25 points |
| Q1 2025 | 20% | -22 points |
| Q4 2024 | 20% | -34 points |
| Q3 2024 | 23% | -30 points |
YRD's operating margin was −40% last quarter, down 62 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 has the edge over YRD on cash flow, with more consistent year-over-year improvement.
YRD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$154.4M | -350% |
| Q1 2026 | -$98.4M | -237% |
| Q4 2025 | -$31M | -$31M |
| Q3 2025 | -$823K | -$823K |
| Q2 2025 | $61.7M | +11% |
| Q1 2025 | $71.8M | -24% |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
YRD's free cash flow was −$285M over the past year, against $134M the year before. Free cash flow isn't a meaningful measure for financial services companies like YRD.
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 YRD 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.
YRD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +12.7K shares |
| 1 year | +0.5% | +437K shares |
| 3 years | -2.3% | -2.1M shares |
| 5 years | +3.4% | +2.9M shares |
| Available history | -6.1% | -5.7M shares |
YRD has 87M diluted shares, up 0.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $33,466 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
YRD spent $33,466 buying back its own shares over the past year, after none 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.
YRD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -13.9x | Net Cash |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -3.0x | Net Cash |
| Q1 2025 | -2.9x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
| Q3 2024 | -1.8x | Net Cash |
| Q2 2024 | -2.3x | Net Cash |
| Q1 2024 | -2.2x | Net Cash |
YRD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like YRD.
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).
YRD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 19.0 | Oversold |
| Stochastic | 2.9 | Oversold |
YRD's weekly RSI is 19 (oversold) and its Stochastic is 3 (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.
YRD PE vs Financial Services Sector
| Metric | YRD | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
YRD has no meaningful PE right now: it lost money over the past year.
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 YRD on trend strength, trading above more of its moving averages.
YRD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.68 | 53% below |
| 20 week MA | $0.97 | 67% below |
| 50 week MA | $2.08 | 85% below |
| 100 week MA | $4.01 | 92% below |
| 200 week MA | $3.88 | 92% below |
YRD is in a downtrend: it's below all five of its weekly moving averages, and 92% 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 YRD on returns for 2026, with the stronger performance.
YRD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.06 | $3.05 | -40% |
| 2021 | $3.05 | $2.75 | -9.8% |
| 2022 | $2.75 | $1.31 | -52% |
| 2023 | $1.31 | $3.12 | +138% |
| 2024 | $3.12 | $4.87 | +56% |
| 2025 | $4.87 | $4.00 | -18% |
| 2026 YTD | $4.00 | $0.32 | -92% |
YRD's yearly returns have swung widely, from +138% in 2023 to −52% in 2022. It's down 92% so far in 2026.