BILL vs JPM

For growth investors, JPMorgan Chase & Co.

(JPM) is the stronger pick with 14. 6% revenue growth year-over-year, versus 13. 4% for Bill. com Holdings, Inc. (BILL). JPMorgan Chase & Co. (JPM) offers the better valuation at 15. 9x trailing P/E (14. 2x forward), making it the more compelling value choice. Analysts rate Bill. com Holdings, Inc. (BILL) a "Buy" — based on 32 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, JPMorgan Chase & Co.

(JPM) is the cheapest at 15. 9x versus Bill. com Holdings, Inc. at 161. 2x. On forward P/E, JPMorgan Chase & Co. is actually cheaper at 14. 2x.

Over the past 5 years, JPMorgan Chase & Co.

(JPM) delivered a total return of +110. 3%, compared to -71. 6% for Bill. com Holdings, Inc. (BILL). Over 10 years, the gap is even starker: JPM returned +471. 7% versus BILL's +4. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), JPMorgan Chase & Co.

(JPM) is the lower-risk stock at 1. 00β versus Bill. com Holdings, Inc. 's 1. 89β — meaning BILL is approximately 88% more volatile than JPM relative to the S&P 500. On balance sheet safety, Bill. com Holdings, Inc. (BILL) carries a lower debt/equity ratio of 45% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), JPMorgan Chase & Co.

(JPM) is pulling ahead at 14. 6% versus 13. 4% for Bill. com Holdings, Inc. (BILL). On earnings-per-share growth, the picture is similar: Bill. com Holdings, Inc. grew EPS 185. 2% year-over-year, compared to 21. 7% for JPMorgan Chase & Co.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

JPMorgan Chase & Co.

(JPM) is the more profitable company, earning 21. 6% net margin versus 1. 6% for Bill. com Holdings, Inc. — meaning it keeps 21. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27. 7% versus -5. 5% for BILL. At the gross margin level — before operating expenses — BILL leads at 81. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, JPMorgan Chase & Co.

(JPM) trades at 14. 2x forward P/E versus 15. 5x for Bill. com Holdings, Inc. — 1. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BILL: 46. 3% to $54. 22.

In this comparison, JPM (1.

6% yield) pays a dividend. BILL does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, JPMorgan Chase & Co.

(JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 1. 6% yield, +471. 7% 10Y return). Bill. com Holdings, Inc. (BILL) carries a higher beta of 1. 89 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (JPM: +471. 7%, BILL: +4. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (BILL (Technology) and JPM (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: BILL is a small-cap quality compounder stock; JPM is a large-cap deep-value stock. JPM pays a dividend while BILL does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.