V
Visa Inc.
Financial - Credit Services
Market Cap$617.80B
5Y Perf.+64.9%
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Stock Comparison
V 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.+218.0%
V vs JPM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | V | JPM |
|---|---|---|
| Industry | Financial - Credit Services | Banks - Diversified |
| Market Cap | $617.80B | $834.20B |
| Revenue (TTM) | $40.00B | $270.79B |
| Net Income (TTM) | $22.24B | $58.03B |
| Gross Margin | 80.4% | 58.6% |
| Operating Margin | 60.0% | 27.7% |
| Forward P/E | 24.6x | 13.9x |
| Total Debt | $25.17B | $751.15B |
| Cash & Equiv. | $20.15B | $469.32B |
V vs JPM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
V
JPM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Visa Inc. (V) | 100 | 164.9 | +64.9% |
| JPMorgan Chase & Co. (JPM) | 100 | 318.0 | +218.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: V vs JPM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. JPMorgan Chase & Co. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Lower volatility, beta 0.68, Low D/E 66.4%, current ratio 1.08x
- Beta 0.68, yield 0.7%, current ratio 1.08x
Best for: income & stability and sleep-well-at-night
JPM
JPMorgan Chase & Co.
The Banking Pick
JPM is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 14.6%, EPS growth 21.7%
- 466.1% 10Y total return vs V's 334.8%
- PEG 1.07 vs V's 1.56
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | JPM | 14.6% NII/revenue growth vs V's 11.3% |
| Value | JPM | Lower P/E (13.9x vs 24.6x), PEG 1.07 vs 1.56 |
| Quality / Margins | V | Efficiency ratio 0.2% vs JPM's 0.3% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs JPM's 1.00, lower leverage |
| Dividends | V | 0.7% yield, 15-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | JPM | +24.8% vs V's -6.9% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs JPM's 0.3% |
V vs JPM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
V vs JPM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGJPM
JPMJPMorgan Chase & Co.
2leads
VVisa Inc.
2leads
6 Total Categories
CATEGORYLEADERvs JPMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
JPM6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
JPM6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
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 | $27.6B | $81.3B |
| Net IncomeAfter-tax profit | $22.2B | $58.0B |
| Free Cash FlowCash after capex | $21.2B | -$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 | +35.3% | +16.0% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
JPM leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 15.7x trailing earnings, JPM trades at a 50% valuation discount to V's 31.6x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 1.21x vs V's 1.99x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $617.8B | $834.2B |
| Enterprise ValueMkt cap + debt − cash | $622.8B | $1.12T |
| Trailing P/EPrice ÷ TTM EPS | 31.57x | 15.67x |
| Forward P/EPrice ÷ next-FY EPS est. | 24.65x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 1.99x | 1.21x |
| EV / EBITDAEnterprise value multiple | 24.70x | 13.44x |
| Price / SalesMarket cap ÷ Revenue | 15.45x | 3.08x |
| Price / BookPrice ÷ Book value/share | 16.70x | 2.58x |
| Price / FCFMarket cap ÷ FCF | 28.63x | — |
JPM leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
V leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 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.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +58.9% | +16.1% |
| ROA (TTM)Return on assets | +22.7% | +1.3% |
| ROICReturn on invested capital | +29.2% | +5.4% |
| ROCEReturn on capital employed | +36.2% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 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 | 26.72x | 0.74x |
V leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
JPM leads this category, winning 6 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 $14,474 for V. Over the past 12 months, JPM leads with a +24.8% total return vs V's -6.9%. The 3-year compound annual growth rate (CAGR) favors JPM at 33.4% vs V's 12.4% — a key indicator of consistent wealth creation.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -6.9% | -4.0% |
| 1-Year ReturnPast 12 months | -6.9% | +24.8% |
| 3-Year ReturnCumulative with dividends | +41.8% | +137.4% |
| 5-Year ReturnCumulative with dividends | +44.7% | +111.1% |
| 10-Year ReturnCumulative with dividends | +334.8% | +466.1% |
| CAGR (3Y)Annualised 3-year return | +12.4% | +33.4% |
JPM leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — V and JPM each lead in 1 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 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 91.7% from its 52-week high vs V's 85.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.68x | 1.00x |
| 52-Week HighHighest price in past year | $375.51 | $337.25 |
| 52-Week LowLowest price in past year | $293.89 | $248.83 |
| % of 52W HighCurrent price vs 52-week peak | +85.8% | +91.7% |
| RSI (14)Momentum oscillator 0–100 | 62.4 | 51.3 |
| Avg Volume (50D)Average daily shares traded | 7.0M | 8.5M |
Evenly matched — V and JPM each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — V and JPM each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates V as "Buy" and JPM as "Buy". Consensus price targets imply 12.6% upside for V (target: $362) vs 9.5% for JPM (target: $339). For income investors, JPM offers the higher dividend yield at 1.66% vs V's 0.73%.
| Metric | VVisa Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $362.45 | $338.78 |
| # AnalystsCovering analysts | 61 | 61 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +1.7% |
| Dividend StreakConsecutive years of raises | 15 | 14 |
| Dividend / ShareAnnual DPS | $2.36 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.2% | +3.4% |
Evenly matched — V and JPM each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). JPM leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallVisa Inc. (V)Leads 2 of 6 categories
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V vs JPM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is V 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 11. 3% for Visa Inc. (V). JPMorgan Chase & Co. (JPM) offers the better valuation at 15. 7x trailing P/E (13. 9x forward), making it the more compelling value choice. Analysts rate Visa Inc. (V) a "Buy" — based on 61 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. 7x versus Visa Inc. at 31. 6x. 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. 56x — 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 +111. 1%, compared to +44. 7% for Visa Inc. (V). Over 10 years, the gap is even starker: JPM returned +466. 1% versus V's +334. 8%. 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. 68β versus JPMorgan Chase & Co. 's 1. 00β — meaning JPM is approximately 48% 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 is growing faster — V or JPM?
By revenue growth (latest reported year), JPMorgan Chase & Co.
(JPM) is pulling ahead at 14. 6% versus 11. 3% for Visa Inc. (V). On earnings-per-share growth, the picture is similar: JPMorgan Chase & Co. grew EPS 21. 7% year-over-year, compared to 4. 8% for Visa Inc.. 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 — 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.
07Is 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. 56x. 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. 6x for Visa Inc. — 10. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 12. 6% to $362. 45.
08Which 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).
09Is 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. 68), 0. 7% yield, +334. 8% 10Y return). Both have compounded well over 10 years (V: +334. 8%, JPM: +466. 1%), 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 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 large-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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Revenue Growth>
%
(V: 11.3% · JPM: 14.6%)Net Margin>
%
(V: 50.1% · JPM: 21.6%)P/E Ratio<
x
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