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JPM vs MBI

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MBI
MBIA Inc.
BEARISH
Price
$5.86
Market Cap
$298.5M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
JPM
15.68
MBI
--
Forward P/E
JPM
13.42
MBI
-14.29
P/B Ratio
JPM
2.47
MBI
-0.13
P/S Ratio
JPM
5.03
MBI
3.08
EV/EBITDA
JPM
--
MBI
--

Profitability

Gross Margin
JPM
0.0%
MBI
116.49%
Operating Margin
JPM
41.06%
MBI
-20.0%
Profit Margin
JPM
33.91%
MBI
-182.47%
ROE
JPM
16.13%
MBI
--
ROA
JPM
1.35%
MBI
0.99%

Growth

Revenue Growth
JPM
2.5%
MBI
15.4%
Earnings Growth
JPM
-3.6%
MBI
--

Financial Health

Debt/Equity
JPM
--
MBI
--
Current Ratio
JPM
--
MBI
2.77
Quick Ratio
JPM
--
MBI
2.68

Dividends

Dividend Yield
JPM
1.91%
MBI
--
Payout Ratio
JPM
28.97%
MBI
0.0%

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%)
MBI BEARISH

MBI exhibits critical financial instability, anchored by a weak Piotroski F-Score of 2/9 and a negative Price-to-Book ratio of -0.13, indicating negative shareholder equity. While the company shows modest year-over-year revenue growth of 15.4%, this is completely offset by a disastrous profit margin of -182.47% and extreme earnings volatility. The lack of a Graham Number or Altman Z-Score, combined with a bearish technical trend (0/100), suggests a high-risk speculative profile. Fundamental health is severely compromised despite a superficial current ratio of 2.77.

Strengths
Positive Year-over-Year revenue growth of 15.40%
Current Ratio of 2.77 suggests adequate short-term liquidity
Current price ($5.86) trades below the analyst target price of $7.25
Risks
Negative Shareholder Equity as evidenced by Price/Book of -0.13
Severe lack of profitability with a Profit Margin of -182.47%
Critical financial health indicated by a Piotroski F-Score of 2/9

Compare Another Pair

JPM vs MBI: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and MBIA Inc. (MBI) 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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