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AX vs JPM

AX
Axos Financial, Inc.
NEUTRAL
Price
$91.75
Market Cap
$5.2B
Sector
Financial Services
AI Confidence
65%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
AX
12.94
JPM
14.69
Forward P/E
AX
9.93
JPM
12.62
P/B Ratio
AX
1.86
JPM
2.32
P/S Ratio
AX
4.32
JPM
4.72
EV/EBITDA
AX
--
JPM
--

Profitability

Gross Margin
AX
0.0%
JPM
0.0%
Operating Margin
AX
50.8%
JPM
41.06%
Profit Margin
AX
36.0%
JPM
33.91%
ROE
AX
16.65%
JPM
16.13%
ROA
AX
1.7%
JPM
1.35%

Growth

Revenue Growth
AX
-0.2%
JPM
2.5%
Earnings Growth
AX
0.5%
JPM
-3.6%

Financial Health

Debt/Equity
AX
--
JPM
--
Current Ratio
AX
--
JPM
--
Quick Ratio
AX
--
JPM
--

Dividends

Dividend Yield
AX
--
JPM
2.11%
Payout Ratio
AX
0.0%
JPM
28.97%

AI Verdict

AX NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stable financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability metrics like a 50.8% operating margin and consistent earnings beats, weak revenue growth and lack of key financial data constrain confidence. The stock trades above the Graham Number of $88.69 at $91.75, implying a slight premium, but remains below the analyst target of $103.25. Bearish insider activity and a weak technical trend offset solid historical performance and favorable sector-relative valuation.

Strengths
Consistently beats earnings estimates with an 88% beat rate over the last four quarters and strong average surprise of 7.2%
Exceptional operating profitability: 50.8% operating margin and 36.0% profit margin significantly outperform sector averages
Attractive valuation relative to peers: P/E of 12.94 vs sector average of 20.94
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and limited operational resilience
Revenue growth is nearly flat YoY (-0.20%), indicating stagnation in top-line expansion
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in financial health and leverage risk
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

AX vs JPM: Head-to-Head Comparison

This page compares Axos Financial, Inc. (AX) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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