WallStSmart

JPMorgan Chase & Co (JPM)vsPiper Sandler Companies (PIPR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 8507% more annual revenue ($173.56B vs $2.02B). JPM leads profitability with a 33.9% profit margin vs 14.0%. PIPR appears more attractively valued with a PEG of 1.26. JPM earns a higher WallStSmart Score of 73/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

PIPR

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 8.0
Piotroski: 3/9Altman Z: 2.97

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$855.84B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

PIPR4 strengths · Avg: 9.3/10
Revenue GrowthGrowth
32.8%10/10

Revenue surging 32.8% year-over-year

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Areas to Watch

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.391/10

Elevated debt levels

PIPR3 concerns · Avg: 3.0/10
EPS GrowthGrowth
1.1%4/10

1.1% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-316.88M2/10

Negative free cash flow — burning cash

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 43.7%. Revenue growth of 12.7% demonstrates continued momentum.

Bull Case : PIPR

The strongest argument for PIPR centers on Revenue Growth, Debt/Equity, Return on Equity. Revenue growth of 32.8% demonstrates continued momentum. PEG of 1.26 suggests the stock is reasonably priced for its growth.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.39 is elevated, increasing financial risk.

Bear Case : PIPR

The primary concerns for PIPR are EPS Growth, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

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

PIPR carries more volatility with a beta of 1.42 — expect wider price swings.

PIPR is growing revenue faster at 32.8% — sustainability is the question.

PIPR generates stronger free cash flow (-317M), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 68/100), backed by strong 33.9% margins and 12.7% 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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Piper Sandler Companies

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Piper Sandler Companies is an investment bank and institutional securities firm serving corporations, private equity groups, public entities, non-profit entities, and institutional investors in the United States and internationally. The company is headquartered in Minneapolis, Minnesota.

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