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JPM vs NEWT

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NEWT
NewtekOne, Inc.
NEUTRAL
Price
$12.56
Market Cap
$362.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
NEWT
5.76
Forward P/E
JPM
13.42
NEWT
5.13
P/B Ratio
JPM
2.47
NEWT
1.03
P/S Ratio
JPM
5.03
NEWT
0.95
EV/EBITDA
JPM
--
NEWT
4.57

Profitability

Gross Margin
JPM
0.0%
NEWT
85.25%
Operating Margin
JPM
41.06%
NEWT
55.59%
Profit Margin
JPM
33.91%
NEWT
15.79%
ROE
JPM
16.13%
NEWT
17.44%
ROA
JPM
1.35%
NEWT
5.13%

Growth

Revenue Growth
JPM
2.5%
NEWT
3.0%
Earnings Growth
JPM
-3.6%
NEWT
-6.0%

Financial Health

Debt/Equity
JPM
--
NEWT
2.07
Current Ratio
JPM
--
NEWT
14.04
Quick Ratio
JPM
--
NEWT
1.63

Dividends

Dividend Yield
JPM
1.91%
NEWT
6.05%
Payout Ratio
JPM
28.97%
NEWT
43.58%

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%)
NEWT NEUTRAL

NewtekOne presents a classic 'value trap' profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health. While the stock is significantly undervalued relative to its Graham Number ($24.45) and Intrinsic Value ($15.26), this is offset by negative earnings growth (-6.00% YoY) and a high Debt/Equity ratio of 2.07. The strong dividend yield of 6.05% provides a floor, but the lack of growth and poor health metrics prevent a bullish rating. The discrepancy between the deep value metrics and the bearish technical trend suggests the market is pricing in fundamental risks.

Strengths
Deep value valuation with a P/E of 5.76
Strong dividend yield of 6.05% with a sustainable payout ratio (43.58%)
Trading below both Graham Number and Intrinsic Value
Risks
Critical fundamental weakness indicated by Piotroski F-Score of 2/9
Negative year-over-year earnings growth (-6.00%)
High leverage with a Debt/Equity ratio of 2.07

Compare Another Pair

JPM vs NEWT: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and NewtekOne, Inc. (NEWT) 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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