Comprehensive Stock Comparison
Compare Visa Inc. (V) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | JPM | 14.6% revenue growth vs V's 11.3% |
| Value | JPM | Lower P/E (13.9x vs 24.9x), PEG 1.07 vs 1.57 |
| Quality / Margins | V | 50.1% net margin vs JPM's 21.6% |
| Stability / Safety | V | Beta 0.78 vs JPM's 1.00, lower leverage |
| Dividends | V | 0.7% yield, 15-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | JPM | +15.7% vs V's -11.0% |
| Efficiency (ROA) | V | 21.5% ROA vs JPM's 1.3%, ROIC 29.2% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Visa operates a global electronic payments network that connects consumers, merchants, and financial institutions. It generates revenue primarily from service fees on transaction processing (about 40% of revenue) and data processing fees (about 35%), with the remainder from international transaction fees and other services. The company's massive network scale — with billions of cards accepted at tens of millions of merchants worldwide — creates a powerful two-sided platform moat that's extremely difficult to replicate.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
V leads in 2 of 6 categories (Financial Metrics, Profitability & Efficiency). JPM leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 6.8x V's $40.0B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to JPM's 21.6%.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $40.0B | $270.8B |
| EBITDAEarnings before interest/tax | $25.8B | $81.3B |
| Net IncomeAfter-tax profit | $20.8B | $58.0B |
| Free Cash FlowCash after capex | $22.9B | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +80.4% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +60.0% | +27.7% |
| Net MarginNet income ÷ Revenue | +50.1% | +21.6% |
| FCF MarginFCF ÷ Revenue | +53.9% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +3.5% | +16.0% |
Valuation Metrics
At 15.2x trailing earnings, JPM trades at a 52% valuation discount to V's 31.4x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 1.17x vs V's 1.98x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $2.9B | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $7.9B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 31.39x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 24.90x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 1.98x | 1.17x |
| EV / EBITDAEnterprise value multiple | 0.31x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 0.07x | 2.99x |
| Price / BookPrice ÷ Book value/share | 18.53x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 0.13x | — |
Profitability & Efficiency
V delivers a 53.6% return on equity — every $100 of shareholder capital generates $54 in annual profit, vs $16 for JPM. V carries lower financial leverage with a 0.66x 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 V's 4/9, reflecting solid financial health.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +53.6% | +16.1% |
| ROA (TTM)Return on assets | +21.5% | +1.3% |
| ROICReturn on invested capital | +29.2% | +5.4% |
| ROCEReturn on capital employed | +36.2% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.66x | 2.18x |
| Net DebtTotal debt minus cash | $5.0B | $281.8B |
| Cash & Equiv.Liquid assets | $20.2B | $469.3B |
| Total DebtShort + long-term debt | $25.2B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 41.49x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $15,227 for V. Over the past 12 months, JPM leads with a +15.7% total return vs V's -11.0%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs V's 14.1% — a key indicator of consistent wealth creation.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -7.4% | -7.3% |
| 1-Year ReturnPast 12 months | -11.0% | +15.7% |
| 3-Year ReturnCumulative with dividends | +48.6% | +119.7% |
| 5-Year ReturnCumulative with dividends | +52.3% | +114.5% |
| 10-Year ReturnCumulative with dividends | +362.0% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +14.1% | +30.0% |
Risk & Volatility
V is the less volatile stock with a 0.78 beta — it tends to amplify market swings less than JPM's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JPM currently trades 89.0% from its 52-week high vs V's 85.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 1.00x |
| 52-Week HighHighest price in past year | $375.51 | $337.25 |
| 52-Week LowLowest price in past year | $299.00 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +85.3% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 43.9 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 6.3M | 9.0M |
Analyst Outlook
Wall Street rates V as "Buy" and JPM as "Buy". Consensus price targets imply 18.0% upside for V (target: $378) vs 11.9% for JPM (target: $336). For income investors, JPM offers the higher dividend yield at 1.71% vs V's 0.66%.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $377.83 | $336.10 |
| # AnalystsCovering analysts | 60 | 60 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +1.7% |
| Dividend StreakConsecutive years of raises | 15 | 14 |
| Dividend / ShareAnnual DPS | $2.11 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +100.0% | +3.5% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Visa Inc. (V) | 100 | 173.58 | +73.6% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
JPMorgan Chase & Co. (JPM) returned +114% over 5 years vs Visa Inc. (V)'s +52%. A $10,000 investment in JPM 5 years ago would be worth $21,449 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | $15.1B | $40.0B | +165.2% |
| JPMorgan Chase & Co. (JPM) | $106.4B | $270.8B | +154.5% |
Visa Inc.'s revenue grew from $15.1B (2016) to $40.0B (2025) — a 11.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | 39.7% | 50.1% | +26.2% |
| JPMorgan Chase & Co. (JPM) | 23.2% | 21.6% | -7.1% |
Visa Inc.'s net margin went from 40% (2016) to 50% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | 40.7 | 34.4 | -15.5% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Visa Inc. has traded in a 30x–45x P/E range over 9 years; current trailing P/E is ~31x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Visa Inc. (V) | 2.48 | 10.2 | +311.3% |
| JPMorgan Chase & Co. (JPM) | 6.19 | 19.75 | +219.1% |
Visa Inc.'s EPS grew from $2.48 (2016) to $10.20 (2025) — a 17% CAGR.
Chart 6Free Cash Flow — 5 Years
Visa Inc. generated $22B FCF in 2025 (+49% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
V vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is V or JPM a better buy right now?
JPMorgan Chase & Co. (JPM) offers the better valuation at 15.2x trailing P/E (13.9x forward), making it the more compelling value choice. Analysts rate Visa Inc. (V) a "Buy" — based on 60 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 — V or JPM?
On trailing P/E, JPMorgan Chase & Co. (JPM) is the cheapest at 15.2x versus Visa Inc. at 31.4x. On forward P/E, JPMorgan Chase & Co. is actually cheaper at 13.9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: JPMorgan Chase & Co. wins at 1.07x versus Visa Inc.'s 1.57x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — V or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to +52.3% for Visa Inc. (V). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus V's +362.0%. 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 — V or JPM?
By beta (market sensitivity over 5 years), Visa Inc. (V) is the lower-risk stock at 0.78β versus JPMorgan Chase & Co.'s 1.00β — meaning JPM is approximately 29% more volatile than V relative to the S&P 500. On balance sheet safety, Visa Inc. (V) carries a lower debt/equity ratio of 66% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which has better profit margins — V or JPM?
Visa Inc. (V) is the more profitable company, earning 50.1% net margin versus 21.6% for JPMorgan Chase & Co. — meaning it keeps 50.1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60.0% versus 27.7% for JPM. At the gross margin level — before operating expenses — V leads at 80.4%, 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.
06Is V or JPM more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, JPMorgan Chase & Co. (JPM) is the more undervalued stock at a PEG of 1.07x versus Visa Inc.'s 1.57x. A PEG below 1.5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, JPMorgan Chase & Co. (JPM) trades at 13.9x forward P/E versus 24.9x for Visa Inc. — 11.0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 18.0% to $377.83.
07Which pays a better dividend — V or JPM?
All stocks in this comparison pay dividends. JPMorgan Chase & Co. (JPM) offers the highest yield at 1.7%, versus 0.7% for Visa Inc. (V).
08Is V or JPM better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc. (V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.78), 0.7% yield, +362.0% 10Y return). Both have compounded well over 10 years (V: +362.0%, JPM: +497.7%), 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.
09What are the main differences between V 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. In terms of investment character: V is a small-cap quality compounder stock; JPM is a large-cap deep-value stock. 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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