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JPM vs NCDL

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NCDL
Nuveen Churchill Direct Lending Corp.
BEARISH
Price
$14.63
Market Cap
$722.5M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
NCDL
11.25
Forward P/E
JPM
13.42
NCDL
9.05
P/B Ratio
JPM
2.47
NCDL
--
P/S Ratio
JPM
5.03
NCDL
--
EV/EBITDA
JPM
--
NCDL
--

Profitability

Gross Margin
JPM
0.0%
NCDL
0.0%
Operating Margin
JPM
41.06%
NCDL
0.0%
Profit Margin
JPM
33.91%
NCDL
0.0%
ROE
JPM
16.13%
NCDL
--
ROA
JPM
1.35%
NCDL
--

Growth

Revenue Growth
JPM
2.5%
NCDL
--
Earnings Growth
JPM
-3.6%
NCDL
--

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
NCDL
10.94%
Payout Ratio
JPM
28.97%
NCDL
138.46%

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%)
NCDL BEARISH

NCDL exhibits severe fundamental deterioration, highlighted by a critical Piotroski F-Score of 0/9, indicating weakness across all health dimensions. The company is currently trading at $14.63, a significant premium to its growth-based intrinsic value of $9.10. Most concerning is the unsustainable dividend payout ratio of 138.46%, suggesting the company is returning more capital than it earns. Despite a 'Buy' analyst consensus, the combination of negative YoY EPS growth (-20%) and a bearish technical trend suggests a high-risk profile.

Strengths
High current dividend yield of 10.94%
Low forward P/E ratio of 9.05
Recent short-term price momentum (1M +15%)
Risks
Critical financial health (Piotroski F-Score 0/9)
Unsustainable dividend payout ratio (138.46%)
Significant negative YoY EPS growth (-20%)

Compare Another Pair

JPM vs NCDL: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Nuveen Churchill Direct Lending Corp. (NCDL) 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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