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ICMB vs JPM

ICMB
Investcorp Credit Management BDC, Inc.
BEARISH
Price
$1.72
Market Cap
$24.8M
Sector
Financial Services
AI Confidence
95%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ICMB
--
JPM
15.68
Forward P/E
ICMB
11.47
JPM
13.42
P/B Ratio
ICMB
0.4
JPM
2.47
P/S Ratio
ICMB
1.43
JPM
5.03
EV/EBITDA
ICMB
--
JPM
--

Profitability

Gross Margin
ICMB
100.0%
JPM
0.0%
Operating Margin
ICMB
56.33%
JPM
41.06%
Profit Margin
ICMB
-50.86%
JPM
33.91%
ROE
ICMB
-12.74%
JPM
16.13%
ROA
ICMB
3.36%
JPM
1.35%

Growth

Revenue Growth
ICMB
-13.6%
JPM
2.5%
Earnings Growth
ICMB
--
JPM
-3.6%

Financial Health

Debt/Equity
ICMB
2.01
JPM
--
Current Ratio
ICMB
4.1
JPM
--
Quick Ratio
ICMB
1.43
JPM
--

Dividends

Dividend Yield
ICMB
30.23%
JPM
1.91%
Payout Ratio
ICMB
160.0%
JPM
28.97%

AI Verdict

ICMB BEARISH

ICMB exhibits severe financial distress, anchored by a weak Piotroski F-Score of 2/9 and a technical trend of 0/100. While the stock trades at a deep discount to book value (P/B 0.40), this is likely a value trap given the negative ROE (-12.74%) and a catastrophic Q/Q revenue decline of -1331.16%. The dividend yield of 30.23% is fundamentally unsustainable with a payout ratio of 160%, indicating the company is returning more capital than it earns. Consistent earnings misses (0/4 in the last year) further signal a deteriorating operational trajectory.

Strengths
Deep discount to book value (P/B 0.40)
Strong short-term liquidity (Current Ratio 4.10)
Positive Return on Assets (ROA 3.36%)
Risks
Unsustainable dividend payout ratio (160%)
Extreme revenue volatility and decline (Q/Q -1331.16%)
Weak financial health baseline (Piotroski 2/9)
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

ICMB vs JPM: Head-to-Head Comparison

This page compares Investcorp Credit Management BDC, Inc. (ICMB) 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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