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JPM vs PFG

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
PFG
Principal Financial Group, Inc.
NEUTRAL
Price
$93.98
Market Cap
$20.38B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
PFG
17.9
Forward P/E
JPM
13.42
PFG
9.23
P/B Ratio
JPM
2.47
PFG
1.72
P/S Ratio
JPM
5.03
PFG
1.3
EV/EBITDA
JPM
--
PFG
11.28

Profitability

Gross Margin
JPM
0.0%
PFG
44.24%
Operating Margin
JPM
41.06%
PFG
14.11%
Profit Margin
JPM
33.91%
PFG
7.58%
ROE
JPM
16.13%
PFG
10.52%
ROA
JPM
1.35%
PFG
0.28%

Growth

Revenue Growth
JPM
2.5%
PFG
-3.7%
Earnings Growth
JPM
-3.6%
PFG
-40.9%

Financial Health

Debt/Equity
JPM
--
PFG
0.35
Current Ratio
JPM
--
PFG
1.51
Quick Ratio
JPM
--
PFG
0.34

Dividends

Dividend Yield
JPM
1.91%
PFG
3.33%
Payout Ratio
JPM
28.97%
PFG
58.67%

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%)
PFG NEUTRAL

PFG presents a contradictory profile where strong price performance masks deteriorating fundamentals. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and low debt, but it is currently trading at a significant premium to its Intrinsic Value ($36.75) and Graham Number ($80.36). Severe contractions in YoY earnings (-40.90%) and revenue (-3.70%) are major concerns, though a low Forward P/E of 9.23 suggests analysts expect a recovery. The stock is currently priced near its 52-week high despite these fundamental headwinds.

Strengths
Low Debt/Equity ratio of 0.35 indicating strong solvency
Sustainable dividend payout ratio of 58.67%
Strong 1-year price appreciation of 36.3%
Risks
Severe YoY earnings decline of 40.90%
Negative revenue growth both YoY (-3.70%) and Q/Q (-3.69%)
Current price ($93.98) is significantly above the growth-based intrinsic value ($36.75)

Compare Another Pair

JPM vs PFG: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Principal Financial Group, Inc. (PFG) 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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