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JPM vs ORI

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
ORI
Old Republic International Corporation
NEUTRAL
Price
$39.95
Market Cap
$9.73B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
ORI
9.84
Forward P/E
JPM
13.42
ORI
11.98
P/B Ratio
JPM
2.47
ORI
1.64
P/S Ratio
JPM
5.03
ORI
1.03
EV/EBITDA
JPM
--
ORI
7.21

Profitability

Gross Margin
JPM
0.0%
ORI
63.49%
Operating Margin
JPM
41.06%
ORI
17.97%
Profit Margin
JPM
33.91%
ORI
10.83%
ROE
JPM
16.13%
ORI
17.28%
ROA
JPM
1.35%
ORI
2.95%

Growth

Revenue Growth
JPM
2.5%
ORI
13.5%
Earnings Growth
JPM
-3.6%
ORI
34.7%

Financial Health

Debt/Equity
JPM
--
ORI
0.27
Current Ratio
JPM
--
ORI
0.59
Quick Ratio
JPM
--
ORI
0.19

Dividends

Dividend Yield
JPM
1.91%
ORI
3.15%
Payout Ratio
JPM
28.97%
ORI
29.19%

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%)
ORI NEUTRAL

Old Republic International Corporation presents a stark dichotomy between deep value and deteriorating operational health. While the company trades significantly below its Graham Number ($47.18) and Intrinsic Value ($119.77) with a low P/E of 9.84, the Piotroski F-Score of 2/9 indicates severe weakness in financial health and operational trends. Strong earnings growth (34.7% YoY) and a consistent track record of EPS beats are currently offset by a bearish technical trend (0/100) and negative insider sentiment. The stock appears to be a value play with significant underlying quality risks.

Strengths
Attractive valuation with P/E of 9.84 and trading below Graham Number
Strong profitability with ROE of 17.28% and Gross Margin of 63.49%
Impressive earnings growth trajectory (34.7% YoY and 61% Q/Q EPS growth)
Risks
Critical operational weakness indicated by a Piotroski F-Score of 2/9
Poor short-term liquidity with a Current Ratio of 0.59 and Quick Ratio of 0.19
Bearish technical momentum (Technical Trend score of 0/100)

Compare Another Pair

JPM vs ORI: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Old Republic International Corporation (ORI) 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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