WallStSmart

JPMorgan Chase & Co (JPM)vsKingstone Companies Inc (KINS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 81421% more annual revenue ($173.56B vs $212.90M). JPM leads profitability with a 33.9% profit margin vs 19.2%. JPM appears more attractively valued with a PEG of 1.65. KINS earns a higher WallStSmart Score of 76/100 (B+).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

KINS

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 8.5Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$828.64B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.0%10/10

Strong operational efficiency at 43.0%

Free Cash FlowQuality
$368.37B10/10

Generating 368.4B in free cash flow

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

KINS6 strengths · Avg: 9.7/10
P/E RatioValuation
6.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
43.0%10/10

Every $100 of equity generates 43 in profit

Operating MarginProfitability
32.8%10/10

Strong operational efficiency at 32.8%

Revenue GrowthGrowth
34.0%10/10

Revenue surging 34.0% year-over-year

EPS GrowthGrowth
149.6%10/10

Earnings expanding 149.6% YoY

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

JPM3 concerns · Avg: 3.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

KINS2 concerns · Avg: 2.5/10
Market CapQuality
$253.78M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.282/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.

Bull Case : KINS

The strongest argument for KINS centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 32.8%. Revenue growth of 34.0% demonstrates continued momentum.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.

Bear Case : KINS

The primary concerns for KINS are Market Cap, PEG Ratio.

Key Dynamics to Monitor

JPM profiles as a mature stock while KINS is a growth play — different risk/reward profiles.

JPM carries more volatility with a beta of 1.04 — expect wider price swings.

KINS is growing revenue faster at 34.0% — sustainability is the question.

JPM generates stronger free cash flow (368.4B), providing more financial flexibility.

Bottom Line

KINS scores higher overall (76/100 vs 73/100), backed by strong 19.2% margins and 34.0% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

JPMorgan Chase & Co

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.

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Kingstone Companies Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company is headquartered in Kingston, New York.

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