JPMorgan Chase & Co (JPM)vsPNC Financial Services Group Inc (PNC)
JPM
JPMorgan Chase & Co
$334.51
-0.84%
FINANCIAL SERVICES · Cap: $895.04B
PNC
PNC Financial Services Group Inc
$226.75
-0.60%
FINANCIAL SERVICES · Cap: $90.52B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 665% more annual revenue ($190.73B vs $24.94B). JPM leads profitability with a 34.6% profit margin vs 31.7%. JPM appears more attractively valued with a PEG of 1.43. PNC earns a higher WallStSmart Score of 75/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
PNC
Strong Buy75
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%
Generating 33.2B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
JPM carries more volatility with a beta of 1.01 — expect wider price swings.
PNC is growing revenue faster at 10.9% — sustainability is the question.
JPM generates stronger free cash flow (33.2B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (75/100 vs 73/100), backed by strong 31.7% margins and 10.9% 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 →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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