TFC
Truist Financial Corporation
Banks - Regional
Market Cap$65.73B
5Y Perf.+38.1%
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Stock Comparison
TFC vs JPM
Revenue, margins, valuation, and 5-year total return — side by side.
JPM
JPMorgan Chase & Co.
Banks - Diversified
Market Cap$834.20B
5Y Perf.+221.9%
TFC vs JPM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TFC | JPM |
|---|---|---|
| Industry | Banks - Regional | Banks - Diversified |
| Market Cap | $65.73B | $834.20B |
| Revenue (TTM) | $24.25B | $270.79B |
| Net Income (TTM) | $5.23B | $58.03B |
| Gross Margin | 47.0% | 58.6% |
| Operating Margin | -2.5% | 27.7% |
| Forward P/E | 11.0x | 13.9x |
| Total Debt | $62.27B | $751.15B |
| Cash & Equiv. | $39.77B | $469.32B |
TFC vs JPM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TFC
JPM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Truist Financial Co… (TFC) | 100 | 138.1 | +38.1% |
| JPMorgan Chase & Co. (JPM) | 100 | 321.9 | +221.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TFC vs JPM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: JPM leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Truist Financial Corporation is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
TFC
Truist Financial Corporation
The Banking Pick
TFC is the clearest fit if your priority is bank quality.
- NIM 2.7% vs JPM's 2.3%
- Lower P/E (11.0x vs 13.9x)
- 4.2% yield, 10-year raise streak, vs JPM's 1.7%
Best for: bank quality
JPM
JPMorgan Chase & Co.
The Banking Pick
JPM carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 14 yrs, beta 1.00, yield 1.7%
- Rev growth 14.6%, EPS growth 21.7%
- 466.1% 10Y total return vs TFC's 99.4%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | JPM | 14.6% NII/revenue growth vs TFC's -19.0% |
| Value | TFC | Lower P/E (11.0x vs 13.9x) |
| Quality / Margins | JPM | Efficiency ratio 0.3% vs TFC's 0.5% (lower = leaner) |
| Stability / Safety | JPM | Beta 1.00 vs TFC's 1.07 |
| Dividends | TFC | 4.2% yield, 10-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | TFC | +32.2% vs JPM's +24.8% |
| Efficiency (ROA) | JPM | Efficiency ratio 0.3% vs TFC's 0.5% |
TFC vs JPM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2016
FY 2024
TFC vs JPM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJPMLAGGINGTFC
TFCTruist Financial Corp…
1leads
JPMJPMorgan Chase & Co.
4leads
6 Total Categories
CATEGORYLEADERvs TFCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
JPM4/5
Valuation MetricsMultiples, price ratios, and targets
TFC4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JPM6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
JPM4/6
Risk & VolatilityBeta, volatility, and downside exposure
JPM2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
JPM leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $270.8B annually — 11.2x TFC's $24.3B. Profitability is closely matched — net margins range from 21.6% (JPM) to 19.9% (TFC).
| Metric | TFCTruist Financial … | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $24.3B | $270.8B |
| EBITDAEarnings before interest/tax | $7.2B | $81.3B |
| Net IncomeAfter-tax profit | $5.2B | $58.0B |
| Free Cash FlowCash after capex | $3.9B | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +47.0% | +58.6% |
| Operating MarginEBIT ÷ Revenue | -2.5% | +27.7% |
| Net MarginNet income ÷ Revenue | +19.9% | +21.6% |
| FCF MarginFCF ÷ Revenue | +8.9% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -9.1% | +16.0% |
JPM leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
TFC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 14.9x trailing earnings, TFC trades at a 5% valuation discount to JPM's 15.7x P/E. On an enterprise value basis, JPM's 13.4x EV/EBITDA is more attractive than TFC's 233.4x.
| Metric | TFCTruist Financial … | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $65.7B | $834.2B |
| Enterprise ValueMkt cap + debt − cash | $88.2B | $1.12T |
| Trailing P/EPrice ÷ TTM EPS | 14.87x | 15.67x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.01x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.21x |
| EV / EBITDAEnterprise value multiple | 233.41x | 13.44x |
| Price / SalesMarket cap ÷ Revenue | 2.71x | 3.08x |
| Price / BookPrice ÷ Book value/share | 1.04x | 2.58x |
| Price / FCFMarket cap ÷ FCF | 30.37x | — |
TFC leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
JPM leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
JPM delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $8 for TFC. TFC carries lower financial leverage with a 0.98x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.18x. On the Piotroski fundamental quality scale (0–9), JPM scores 5/9 vs TFC's 4/9, reflecting solid financial health.
| Metric | TFCTruist Financial … | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +8.0% | +16.1% |
| ROA (TTM)Return on assets | +1.0% | +1.3% |
| ROICReturn on invested capital | -0.4% | +5.4% |
| ROCEReturn on capital employed | -0.5% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.98x | 2.18x |
| Net DebtTotal debt minus cash | $22.5B | $281.8B |
| Cash & Equiv.Liquid assets | $39.8B | $469.3B |
| Total DebtShort + long-term debt | $62.3B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 0.62x | 0.74x |
JPM leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
JPM leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JPM five years ago would be worth $21,108 today (with dividends reinvested), compared to $9,921 for TFC. Over the past 12 months, TFC leads with a +32.2% total return vs JPM's +24.8%. The 3-year compound annual growth rate (CAGR) favors JPM at 33.4% vs TFC's 25.1% — a key indicator of consistent wealth creation.
| Metric | TFCTruist Financial … | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | +1.5% | -4.0% |
| 1-Year ReturnPast 12 months | +32.2% | +24.8% |
| 3-Year ReturnCumulative with dividends | +95.9% | +137.4% |
| 5-Year ReturnCumulative with dividends | -0.8% | +111.1% |
| 10-Year ReturnCumulative with dividends | +99.4% | +466.1% |
| CAGR (3Y)Annualised 3-year return | +25.1% | +33.4% |
JPM leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
JPM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
JPM is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than TFC's 1.07 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | TFCTruist Financial … | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.07x | 1.00x |
| 52-Week HighHighest price in past year | $56.20 | $337.25 |
| 52-Week LowLowest price in past year | $38.27 | $248.83 |
| % of 52W HighCurrent price vs 52-week peak | +88.9% | +91.7% |
| RSI (14)Momentum oscillator 0–100 | 49.0 | 51.3 |
| Avg Volume (50D)Average daily shares traded | 8.7M | 8.5M |
JPM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — TFC and JPM each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates TFC as "Buy" and JPM as "Buy". Consensus price targets imply 15.2% upside for TFC (target: $58) vs 9.5% for JPM (target: $339). For income investors, TFC offers the higher dividend yield at 4.17% vs JPM's 1.66%.
| Metric | TFCTruist Financial … | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $57.56 | $338.78 |
| # AnalystsCovering analysts | 54 | 61 |
| Dividend YieldAnnual dividend ÷ price | +4.2% | +1.7% |
| Dividend StreakConsecutive years of raises | 10 | 14 |
| Dividend / ShareAnnual DPS | $2.08 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.7% | +3.4% |
Evenly matched — TFC and JPM each lead in 1 of 2 comparable metrics.
Key Takeaway
JPM leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). TFC leads in 1 (Valuation Metrics). 1 tied.
Best OverallJPMorgan Chase & Co. (JPM)Leads 4 of 6 categories
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TFC vs JPM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TFC or JPM a better buy right now?
For growth investors, JPMorgan Chase & Co.
(JPM) is the stronger pick with 14. 6% revenue growth year-over-year, versus -19. 0% for Truist Financial Corporation (TFC). Truist Financial Corporation (TFC) offers the better valuation at 14. 9x trailing P/E (11. 0x forward), making it the more compelling value choice. Analysts rate Truist Financial Corporation (TFC) a "Buy" — based on 54 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.
02Which has the better valuation — TFC or JPM?
On trailing P/E, Truist Financial Corporation (TFC) is the cheapest at 14.
9x versus JPMorgan Chase & Co. at 15. 7x. On forward P/E, Truist Financial Corporation is actually cheaper at 11. 0x.
03Which is the better long-term investment — TFC or JPM?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +111. 1%, compared to -0. 8% for Truist Financial Corporation (TFC). Over 10 years, the gap is even starker: JPM returned +466. 1% versus TFC's +99. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TFC or JPM?
By beta (market sensitivity over 5 years), JPMorgan Chase & Co.
(JPM) is the lower-risk stock at 1. 00β versus Truist Financial Corporation's 1. 07β — meaning TFC is approximately 7% more volatile than JPM relative to the S&P 500. On balance sheet safety, Truist Financial Corporation (TFC) carries a lower debt/equity ratio of 98% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — TFC or JPM?
By revenue growth (latest reported year), JPMorgan Chase & Co.
(JPM) is pulling ahead at 14. 6% versus -19. 0% for Truist Financial Corporation (TFC). On earnings-per-share growth, the picture is similar: Truist Financial Corporation grew EPS 408. 3% 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.
06Which has better profit margins — TFC or JPM?
JPMorgan Chase & Co.
(JPM) is the more profitable company, earning 21. 6% net margin versus 19. 9% for Truist Financial Corporation — 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 -2. 5% for TFC. At the gross margin level — before operating expenses — JPM leads at 58. 6%, 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.
07Is TFC or JPM more undervalued right now?
On forward earnings alone, Truist Financial Corporation (TFC) trades at 11.
0x forward P/E versus 13. 9x for JPMorgan Chase & Co. — 2. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TFC: 15. 2% to $57. 56.
08Which pays a better dividend — TFC or JPM?
All stocks in this comparison pay dividends.
Truist Financial Corporation (TFC) offers the highest yield at 4. 2%, versus 1. 7% for JPMorgan Chase & Co. (JPM).
09Is TFC or JPM better for a retirement portfolio?
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. 7% yield, +466. 1% 10Y return). Both have compounded well over 10 years (JPM: +466. 1%, TFC: +99. 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.
10What are the main differences between TFC and JPM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
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.
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Revenue Growth>
%
(TFC: -19.0% · JPM: 14.6%)Net Margin>
%
(TFC: 19.9% · JPM: 21.6%)P/E Ratio<
x
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