JPMorgan Chase & Co (JPM)vsSLM Corp (SLM)
JPM
JPMorgan Chase & Co
$313.23
-0.24%
FINANCIAL SERVICES · Cap: $828.64B
SLM
SLM Corp
$22.69
-1.69%
FINANCIAL SERVICES · Cap: $4.34B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 10321% more annual revenue ($173.56B vs $1.67B). SLM leads profitability with a 44.9% profit margin vs 33.9%. SLM appears more attractively valued with a PEG of 0.58. SLM earns a higher WallStSmart Score of 76/100 (B+).
JPM
Strong Buy73
out of 100
Grade: B
SLM
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 70.1%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
2.5% revenue growth
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 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 44.9% and operating margin at 70.1%. PEG of 0.58 suggests the stock is reasonably priced for its growth.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : SLM
The primary concerns for SLM are Revenue Growth, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
JPM profiles as a mature stock while SLM is a value play — different risk/reward profiles.
SLM carries more volatility with a beta of 1.05 — expect wider price swings.
JPM is growing revenue faster at 12.7% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
SLM scores higher overall (76/100 vs 73/100), backed by strong 44.9% margins. 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 →SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
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