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JPM vs SLM

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
SLM
SLM Corporation
NEUTRAL
Price
$22.64
Market Cap
$4.49B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
SLM
6.54
Forward P/E
JPM
13.42
SLM
6.96
P/B Ratio
JPM
2.47
SLM
2.05
P/S Ratio
JPM
5.03
SLM
2.72
EV/EBITDA
JPM
--
SLM
--

Profitability

Gross Margin
JPM
0.0%
SLM
100.0%
Operating Margin
JPM
41.06%
SLM
66.82%
Profit Margin
JPM
33.91%
SLM
45.1%
ROE
JPM
16.13%
SLM
32.3%
ROA
JPM
1.35%
SLM
2.49%

Growth

Revenue Growth
JPM
2.5%
SLM
67.8%
Earnings Growth
JPM
-3.6%
SLM
126.2%

Financial Health

Debt/Equity
JPM
--
SLM
2.4
Current Ratio
JPM
--
SLM
1.28
Quick Ratio
JPM
--
SLM
1.23

Dividends

Dividend Yield
JPM
1.91%
SLM
2.3%
Payout Ratio
JPM
28.97%
SLM
15.03%

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%)
SLM NEUTRAL

SLM presents a stark contradiction between explosive growth and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is fundamentally undervalued with a P/E of 6.54 and trades below its Graham Number of $29.32, the low health score and bearish technical trend (0/100) suggest a potential value trap. Exceptional YoY earnings growth of 126.20% is offset by a high Debt/Equity ratio of 2.40 and a poor recent track record of earnings surprises. The discrepancy between the current price and the growth-based intrinsic value ($102.07) reflects significant market skepticism regarding the sustainability of its current trajectory.

Strengths
Extremely low P/E ratio (6.54) relative to sector average
Strong PEG ratio (0.51) indicating significant undervaluation relative to growth
Explosive YoY Revenue (67.8%) and Earnings (126.2%) growth
Risks
Critical financial health warning via Piotroski F-Score (2/9)
High leverage with a Debt/Equity ratio of 2.40
Strongly bearish technical trend (0/100)

Compare Another Pair

JPM vs SLM: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and SLM Corporation (SLM) 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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