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JPM vs MUJ

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MUJ
BlackRock MuniHoldings New Jersey Quality Fund, Inc.
NEUTRAL
Price
$12.12
Market Cap
$644.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
JPM
15.68
MUJ
26.35
Forward P/E
JPM
13.42
MUJ
--
P/B Ratio
JPM
2.47
MUJ
0.96
P/S Ratio
JPM
5.03
MUJ
13.09
EV/EBITDA
JPM
--
MUJ
--

Profitability

Gross Margin
JPM
0.0%
MUJ
100.0%
Operating Margin
JPM
41.06%
MUJ
81.06%
Profit Margin
JPM
33.91%
MUJ
50.15%
ROE
JPM
16.13%
MUJ
3.65%
ROA
JPM
1.35%
MUJ
2.23%

Growth

Revenue Growth
JPM
2.5%
MUJ
2.0%
Earnings Growth
JPM
-3.6%
MUJ
1495.9%

Financial Health

Debt/Equity
JPM
--
MUJ
0.65
Current Ratio
JPM
--
MUJ
0.33
Quick Ratio
JPM
--
MUJ
0.32

Dividends

Dividend Yield
JPM
1.91%
MUJ
5.35%
Payout Ratio
JPM
28.97%
MUJ
140.87%

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%)
MUJ NEUTRAL

MUJ exhibits a stable financial foundation with a Piotroski F-Score of 6/9, though it lacks an Altman Z-Score due to its structure as a closed-end fund. The current price of $12.12 sits comfortably between the Graham Number ($11.43) and the Intrinsic Value ($13.57), suggesting fair valuation. However, the fund faces a critical sustainability issue with a dividend payout ratio of 140.87%, indicating it is returning more capital than it earns. While recent 1-year price performance is positive, stagnant revenue growth and a bearish technical trend offset the stability of its book value.

Strengths
Trading slightly below book value (P/B 0.96)
Stable Piotroski F-Score of 6/9
Strong operating margins (81.07%) typical of asset management
Risks
Unsustainable dividend payout ratio (140.87%)
Very low current ratio (0.33) indicating tight liquidity
Stagnant revenue growth (2.00% YoY)

Compare Another Pair

JPM vs MUJ: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and BlackRock MuniHoldings New Jersey Quality Fund, Inc. (MUJ) 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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