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JPM vs KRNY

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
KRNY
Kearny Financial Corp.
NEUTRAL
Price
$8.03
Market Cap
$504.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
KRNY
15.44
Forward P/E
JPM
13.42
KRNY
9.34
P/B Ratio
JPM
2.47
KRNY
0.67
P/S Ratio
JPM
5.03
KRNY
3.1
EV/EBITDA
JPM
--
KRNY
--

Profitability

Gross Margin
JPM
0.0%
KRNY
0.0%
Operating Margin
JPM
41.06%
KRNY
31.14%
Profit Margin
JPM
33.91%
KRNY
19.84%
ROE
JPM
16.13%
KRNY
4.31%
ROA
JPM
1.35%
KRNY
0.42%

Growth

Revenue Growth
JPM
2.5%
KRNY
15.0%
Earnings Growth
JPM
-3.6%
KRNY
50.0%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
KRNY
5.48%
Payout Ratio
JPM
28.97%
KRNY
84.62%

AI Verdict

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%)
KRNY NEUTRAL

KRNY presents a classic value-trap profile, characterized by a stable Piotroski F-Score of 4/9 and a significant discount to both its Graham Number ($11.87) and Intrinsic Value ($15.34). While the stock trades at a deep discount to book value (P/B 0.67) and shows strong YoY earnings growth of 50%, these fundamentals are offset by poor capital efficiency (ROE 4.31%) and a bearish technical trend. The high dividend payout ratio of 84.62% suggests limited room for dividend growth and potential sustainability risks if earnings volatility increases.

Strengths
Deep value valuation with P/B ratio of 0.67
Trading significantly below Graham Number ($11.87) and Intrinsic Value ($15.34)
Strong YoY earnings growth of 50.00%
Risks
Very low Return on Equity (ROE) of 4.31% indicating poor capital efficiency
High dividend payout ratio (84.62%) limiting reinvestment and safety
Bearish insider sentiment with recent selling activity

Compare Another Pair

JPM vs KRNY: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Kearny Financial Corp. (KRNY) 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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