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JPM vs LX

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
LX
LexinFintech Holdings Ltd.
NEUTRAL
Price
$2.29
Market Cap
$385.3M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
JPM
15.68
LX
1.6
Forward P/E
JPM
13.42
LX
1.91
P/B Ratio
JPM
2.47
LX
0.22
P/S Ratio
JPM
5.03
LX
0.03
EV/EBITDA
JPM
--
LX
1.99

Profitability

Gross Margin
JPM
0.0%
LX
38.65%
Operating Margin
JPM
41.06%
LX
6.38%
Profit Margin
JPM
33.91%
LX
12.75%
ROE
JPM
16.13%
LX
14.78%
ROA
JPM
1.35%
LX
4.38%

Growth

Revenue Growth
JPM
2.5%
LX
-16.8%
Earnings Growth
JPM
-3.6%
LX
-39.8%

Financial Health

Debt/Equity
JPM
--
LX
0.4
Current Ratio
JPM
--
LX
1.89
Quick Ratio
JPM
--
LX
1.18

Dividends

Dividend Yield
JPM
1.91%
LX
17.29%
Payout Ratio
JPM
28.97%
LX
23.13%

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%)
LX NEUTRAL

LX presents a classic 'deep value' paradox: it is fundamentally cheap but experiencing severe growth decay. The Piotroski F-Score of 6/9 indicates stable financial health, and the stock trades at a massive discount to its Graham Number ($18.21) and Intrinsic Value ($10.01). However, this valuation is offset by a 0/100 technical trend and alarming YoY earnings contraction of -39.80%. While the dividend is highly attractive and well-covered, the lack of growth and bearish momentum suggest a potential value trap.

Strengths
Extreme valuation discount (P/E 1.60, P/B 0.22)
Stable financial health per Piotroski F-Score (6/9)
Very high dividend yield (17.29%) with a sustainable payout ratio (23.13%)
Risks
Severe revenue contraction (-16.80% YoY)
Rapidly declining earnings growth (-39.80% YoY, -67.4% Q/Q)
Strongly bearish technical trend (0/100)

Compare Another Pair

JPM vs LX: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and LexinFintech Holdings Ltd. (LX) 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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