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JPM vs OXLC

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
OXLC
Oxford Lane Capital Corp.
BEARISH
Price
$10.26
Market Cap
$1.0B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
OXLC
23.32
Forward P/E
JPM
13.42
OXLC
2.31
P/B Ratio
JPM
2.47
OXLC
0.53
P/S Ratio
JPM
5.03
OXLC
2.05
EV/EBITDA
JPM
--
OXLC
--

Profitability

Gross Margin
JPM
0.0%
OXLC
100.0%
Operating Margin
JPM
41.06%
OXLC
72.75%
Profit Margin
JPM
33.91%
OXLC
0.77%
ROE
JPM
16.13%
OXLC
0.22%
ROA
JPM
1.35%
OXLC
9.09%

Growth

Revenue Growth
JPM
2.5%
OXLC
29.5%
Earnings Growth
JPM
-3.6%
OXLC
-77.9%

Financial Health

Debt/Equity
JPM
--
OXLC
0.38
Current Ratio
JPM
--
OXLC
0.61
Quick Ratio
JPM
--
OXLC
0.61

Dividends

Dividend Yield
JPM
1.91%
OXLC
23.39%
Payout Ratio
JPM
28.97%
OXLC
1215.91%

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%)
OXLC BEARISH

OXLC presents a classic 'yield trap' profile, characterized by a stable Piotroski F-Score of 4/9 but severe fundamental deterioration. While the stock trades at a significant discount to book value (P/B 0.53) and below its Graham Number ($13.78), these value metrics are overshadowed by a catastrophic payout ratio of 1215.91% and a 77.9% YoY collapse in earnings. The technical trend is completely bearish (0/100), and the massive dividend yield is unsustainable given the current earnings trajectory.

Strengths
Significant discount to book value (P/B 0.53)
Strong year-over-year revenue growth of 29.50%
Current price is below the Graham Number defensive fair value
Risks
Unsustainable dividend payout ratio (1215.91%)
Severe earnings contraction (-77.9% YoY)
Poor liquidity indicated by a current ratio of 0.61

Compare Another Pair

JPM vs OXLC: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Oxford Lane Capital Corp. (OXLC) 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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