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JPM vs PAI

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
PAI
Western Asset Investment Grade Income Fund Inc.
BULLISH
Price
$12.25
Market Cap
$116.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
PAI
12.01
Forward P/E
JPM
13.42
PAI
--
P/B Ratio
JPM
2.47
PAI
0.93
P/S Ratio
JPM
5.03
PAI
16.33
EV/EBITDA
JPM
--
PAI
--

Profitability

Gross Margin
JPM
0.0%
PAI
100.0%
Operating Margin
JPM
41.06%
PAI
86.33%
Profit Margin
JPM
33.91%
PAI
135.2%
ROE
JPM
16.13%
PAI
7.76%
ROA
JPM
1.35%
PAI
3.08%

Growth

Revenue Growth
JPM
2.5%
PAI
3.1%
Earnings Growth
JPM
-3.6%
PAI
26.7%

Financial Health

Debt/Equity
JPM
--
PAI
--
Current Ratio
JPM
--
PAI
1.43
Quick Ratio
JPM
--
PAI
1.18

Dividends

Dividend Yield
JPM
1.91%
PAI
5.14%
Payout Ratio
JPM
28.97%
PAI
61.67%

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%)
PAI BULLISH

PAI presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 5/9 and a significant discount to both its Graham Number ($17.43) and Intrinsic Value ($30.09). While the technical trend is currently bearish (0/100) and insider sentiment is weak, the fundamental valuation metrics—specifically a P/E of 12.01 against a sector average of 34.89 and a Price/Book of 0.93—suggest the asset is heavily undervalued. Strong earnings growth of 26.7% and a sustainable 5.14% dividend yield provide a solid floor for investors.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
P/E ratio (12.01) is substantially lower than the sector average (34.89)
Strong earnings growth of 26.7% YoY
Risks
Severe bearish technical trend (0/100)
Low insider sentiment (40/100) suggesting lack of internal confidence
Sluggish revenue growth (3.10%) compared to sector peers

Compare Another Pair

JPM vs PAI: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Western Asset Investment Grade Income Fund Inc. (PAI) 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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