WallStSmart

JPMorgan Chase & Co (JPM)vsStewart Information Services Corp (STC)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 5549% more annual revenue ($190.73B vs $3.38B). JPM leads profitability with a 34.6% profit margin vs 3.6%. JPM appears more attractively valued with a PEG of 1.43. JPM earns a higher WallStSmart Score of 73/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

STC

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 5.0Value: 5.7Quality: 5.5
Piotroski: 2/9Altman Z: 2.11

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$895.04B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

Free Cash FlowQuality
$33.16B10/10

Generating 33.2B in free cash flow

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

STC2 strengths · Avg: 10.0/10
P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

JPM2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

STC4 concerns · Avg: 3.0/10
Market CapQuality
$1.37B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bull Case : STC

The strongest argument for STC centers on P/E Ratio, Price/Book. Revenue growth of 13.0% 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 : STC

The primary concerns for STC are Market Cap, Return on Equity, Profit Margin. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

JPM profiles as a mature stock while STC is a value play — different risk/reward profiles.

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

STC is growing revenue faster at 13.0% — sustainability is the question.

JPM generates stronger free cash flow (33.2B), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 51/100), backed by strong 34.6% margins and 10.2% revenue growth. Both earn "Strong Buy" and "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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Stewart Information Services Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.

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