WallStSmart

JPMorgan Chase & Co (JPM)vsVictory Capital Holdings Inc (VCTR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 11671% more annual revenue ($173.56B vs $1.47B). JPM leads profitability with a 33.9% profit margin vs 25.8%. JPM trades at a lower P/E of 14.7x. VCTR earns a higher WallStSmart Score of 77/100 (B+).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

VCTR

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 9.0Value: 5.3Quality: 5.0
Piotroski: 2/9Altman Z: 1.85

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$820.65B10/10

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
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

VCTR6 strengths · Avg: 9.0/10
Operating MarginProfitability
44.7%10/10

Strong operational efficiency at 44.7%

Revenue GrowthGrowth
76.7%10/10

Revenue surging 76.7% year-over-year

Return on EquityProfitability
21.7%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

EPS GrowthGrowth
44.3%8/10

Earnings expanding 44.3% YoY

Areas to Watch

JPM4 concerns · Avg: 2.8/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

VCTR2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

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 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.

Bull Case : VCTR

The strongest argument for VCTR centers on Operating Margin, Revenue Growth, Return on Equity. Profitability is solid with margins at 25.8% and operating margin at 44.7%. Revenue growth of 76.7% demonstrates continued momentum.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.

Bear Case : VCTR

The primary concerns for VCTR are Altman Z-Score, Piotroski F-Score.

Key Dynamics to Monitor

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

VCTR carries more volatility with a beta of 1.11 — expect wider price swings.

VCTR is growing revenue faster at 76.7% — sustainability is the question.

VCTR generates stronger free cash flow (120M), providing more financial flexibility.

Bottom Line

VCTR scores higher overall (77/100 vs 73/100), backed by strong 25.8% margins and 76.7% 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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Victory Capital Holdings Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Victory Capital Holdings, Inc., is a global asset management company. The company is headquartered in San Antonio, Texas.

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