JPMorgan Chase & Co (JPM)vsNu Holdings Ltd (NU)
JPM
JPMorgan Chase & Co
$339.45
+1.05%
FINANCIAL SERVICES · Cap: $902.16B
NU
Nu Holdings Ltd
$11.97
-3.47%
FINANCIAL SERVICES · Cap: $73.23B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 2159% more annual revenue ($190.73B vs $8.44B). NU leads profitability with a 42.7% profit margin vs 34.6%. NU appears more attractively valued with a PEG of 0.77. NU earns a higher WallStSmart Score of 79/100 (B+).
JPM
Strong Buy71
out of 100
Grade: B
NU
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 42.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Revenue surging 52.1% year-over-year
Earnings expanding 66.3% YoY
Large-cap with strong market position
Every $100 of equity generates 27 in profit
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bull Case : NU
The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 42.7% and operating margin at 50.1%. Revenue growth of 52.1% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Bear Case : NU
The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.17 is elevated, increasing financial risk.
Key Dynamics to Monitor
JPM profiles as a mature stock while NU is a growth play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.01 — expect wider price swings.
NU is growing revenue faster at 52.1% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NU scores higher overall (79/100 vs 71/100), backed by strong 42.7% margins and 52.1% 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.
Visit Website →Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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