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GBDC vs JPM

GBDC
Golub Capital BDC, Inc.
BEARISH
Price
$12.58
Market Cap
$3.31B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
GBDC
10.06
JPM
15.68
Forward P/E
GBDC
9.71
JPM
13.42
P/B Ratio
GBDC
0.85
JPM
2.47
P/S Ratio
GBDC
3.86
JPM
5.03
EV/EBITDA
GBDC
--
JPM
--

Profitability

Gross Margin
GBDC
100.0%
JPM
0.0%
Operating Margin
GBDC
78.29%
JPM
41.06%
Profit Margin
GBDC
38.57%
JPM
33.91%
ROE
GBDC
8.34%
JPM
16.13%
ROA
GBDC
4.7%
JPM
1.35%

Growth

Revenue Growth
GBDC
-6.2%
JPM
2.5%
Earnings Growth
GBDC
-41.2%
JPM
-3.6%

Financial Health

Debt/Equity
GBDC
1.25
JPM
--
Current Ratio
GBDC
2.4
JPM
--
Quick Ratio
GBDC
1.64
JPM
--

Dividends

Dividend Yield
GBDC
11.92%
JPM
1.91%
Payout Ratio
GBDC
124.8%
JPM
28.97%

AI Verdict

GBDC BEARISH

GBDC presents as a classic value trap, characterized by a stable Piotroski F-Score of 4/9 but severely compromised by fundamental decay. While the stock trades at a discount to book value (P/B 0.85) and below its Graham Number ($20.43), these metrics are offset by a catastrophic earnings collapse (-41.20% YoY) and an unsustainable dividend payout ratio of 124.80%. The technical trend is completely bearish (0/100), and the company has failed to beat earnings estimates in the last four consecutive quarters, suggesting a systemic decline in portfolio performance.

Strengths
Trading at a discount to book value (P/B 0.85)
Strong operating margins (78.29%)
High current ratio (2.40) indicating short-term liquidity
Risks
Unsustainable payout ratio (124.80%) indicating dividend is not covered by earnings
Severe earnings contraction (-41.20% YoY)
Negative revenue growth (-6.20% YoY and -38.36% Q/Q)
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

GBDC vs JPM: Head-to-Head Comparison

This page compares Golub Capital BDC, Inc. (GBDC) 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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