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JPM vs OMF

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
OMF
OneMain Holdings, Inc.
BULLISH
Price
$58.77
Market Cap
$6.79B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
OMF
8.96
Forward P/E
JPM
13.42
OMF
6.66
P/B Ratio
JPM
2.47
OMF
2.03
P/S Ratio
JPM
5.03
OMF
2.28
EV/EBITDA
JPM
--
OMF
--

Profitability

Gross Margin
JPM
0.0%
OMF
93.34%
Operating Margin
JPM
41.06%
OMF
33.65%
Profit Margin
JPM
33.91%
OMF
26.34%
ROE
JPM
16.13%
OMF
23.76%
ROA
JPM
1.35%
OMF
2.94%

Growth

Revenue Growth
JPM
2.5%
OMF
12.2%
Earnings Growth
JPM
-3.6%
OMF
63.7%

Financial Health

Debt/Equity
JPM
--
OMF
6.71
Current Ratio
JPM
--
OMF
422.3
Quick Ratio
JPM
--
OMF
409.35

Dividends

Dividend Yield
JPM
1.91%
OMF
7.15%
Payout Ratio
JPM
28.97%
OMF
63.57%

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%)
OMF BULLISH

OMF presents a compelling value opportunity, trading at $58.77, which is below its Graham Number of $65.45. While the Piotroski F-Score of 4/9 indicates only stable financial health, the company's valuation is highly attractive with a P/E of 8.96 and a PEG ratio of 0.75. Exceptional earnings growth (63.7% YoY) and a strong ROE of 23.76% offset the risks associated with high leverage. Despite bearish insider sentiment and technicals, the fundamental growth and dividend yield provide a strong margin of safety.

Strengths
Significant undervaluation indicated by PEG ratio of 0.75 and P/E of 8.96
Strong profitability with ROE at 23.76% and Operating Margin at 33.65%
Robust earnings growth (63.7% YoY) and consistent history of beating estimates
Risks
Very high leverage with a Debt/Equity ratio of 6.71
Bearish insider activity with significant selling by the CEO and COO
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

JPM vs OMF: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and OneMain Holdings, Inc. (OMF) 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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