Compare Stocks › JPM vs MMM
JPMorgan Chase & Co. (JPM) vs 3M Company (MMM)
JPM
JPMorgan Chase & Co.
$287.97
VS
MMM
3M Company
$142.71
Rewards
JPM
- ★Each dollar of retained earnings has created $3.95 of market value — management is an exceptional capital allocator.
MMM
- ★Altman Z-Score of 4.26 indicates very low bankruptcy risk — the company is firmly in the safe zone.
Risks
JPM
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠JPMorgan Chase & Co. scores only 18/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠Altman Z-Score of 0.30 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
MMM
- ⚠FCF yield of 1.7% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Trailing P/E of 23.8x is 34% above the historical average of 17.8x — the stock trades at a premium to its own history.
- ⚠High leverage (2.77x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
Key Valuation Metrics
Learn more →JPM
MMM
Valuation
N/A
Free Cash Flow
$1.26B
N/A
FCF Yield
1.68%
14.39
Trailing P/E
23.82
12.26
Forward P/E
15.18
Quality & Moat
5.32%
ROIC
13.68%
N/A
ROE
68.46%
0.00%
Gross Margin
39.91%
N/A
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
2.77
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
0.86
2.08%
Dividend Yield
2.19%
JPM: 2Ties: 1MMM: 3
JPMMMM
Historical Fundamentals
Learn more →JPM
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
MMM
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →JPM
$3.95
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$120.20B
Δ Market Cap
+$475.31B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
MMM
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-6.43B
Δ Market Cap
+$29.83B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →JPM
46.5% Margin of Safety
Price is 46.5% below estimated fair value
Current Price: $287.97
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $538.22
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
MMM
10.7% Overvalued
Price is 10.7% above estimated fair value
Current Price: $142.71
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $128.87
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →JPM
Requires positive FCF to compute implied growth rate.
MMM
What growth rate is the market pricing in at $143?
+10.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +23.6%
The market implies +10.6% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +23.6%, reflecting heavy growth investment.
Economic Moat Score
Learn more →JPM
18/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
MMM
40/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency as the key competitive advantage. Improving margin stability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →JPM
-2.17
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
MMM
-2.28
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →JPM
Insiders 0.4%Institutions 75.0%Retail & Other 24.6%
No. of Institutional Holders6,240
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
MMM
Insiders 0.1%Institutions 76.3%Retail & Other 23.6%
No. of Institutional Holders2,821
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →JPM
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
MMM
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →JPM
12
Sells (3M)
30
Sells (12M)
Total value (12M): $104.76M
LEOPOLD ROBIN
Officer
$132,684
@ $307.14 · 2026-02-19
ROHRBAUGH TROY L
Officer
$15.36M
@ $307.11 · 2026-02-19
BARNUM JEREMY
Chief Financial Officer
$886,157
@ $306.42 · 2026-02-17
BEER LORI A
Chief Technology Officer
$627,207
@ $306.40 · 2026-02-17
ERDOES MARY E.
Officer
$1.76M
@ $306.41 · 2026-02-17
PETNO DOUGLAS B
Officer
$1.07M
@ $306.40 · 2026-02-17
PIEPSZAK JENNIFER A
Chief Operating Officer
$2.68M
@ $312.79 · 2026-01-16
BARNUM JEREMY
Chief Financial Officer
$904,890
@ $312.79 · 2026-01-16
BEER LORI A
Chief Technology Officer
$640,295
@ $312.80 · 2026-01-16
ERDOES MARY E.
Officer
$1.79M
@ $312.78 · 2026-01-16
PETNO DOUGLAS B
Officer
$1.09M
@ $312.80 · 2026-01-16
BACON ASHLEY
Officer
$2.30M
@ $312.79 · 2026-01-16
LEOPOLD ROBIN
Officer
$301,311
@ $311.92 · 2025-11-07
BAMMANN LINDA B.
Director
$2.83M
@ $297.94 · 2025-09-02
BACON ASHLEY
Officer
$1.39M
@ $267.44 · 2025-06-12
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.61M
@ $262.47 · 2025-06-05
BEER LORI A
Chief Technology Officer
$1.57M
@ $267.09 · 2025-05-16
LAKE MARIANNE
Officer
$3.28M
@ $267.08 · 2025-05-16
PETNO DOUGLAS B
Officer
$2.71M
@ $266.89 · 2025-05-15
ERDOES MARY E.
Officer
$3.69M
@ $262.54 · 2025-05-13
BACON ASHLEY
Officer
$1.37M
@ $262.53 · 2025-05-13
ROHRBAUGH TROY L
Officer
$3.29M
@ $263.08 · 2025-05-12
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.54M
@ $250.76 · 2025-05-06
BARNUM JEREMY
Chief Financial Officer
$10.03M
@ $250.77 · 2025-05-06
BAMMANN LINDA B.
Director
$2.38M
@ $250.00 · 2025-05-06
DIMON JAMES
Chief Executive Officer
$31.50M
@ $235.68 · 2025-04-14
LEOPOLD ROBIN
Officer
$308,652
@ $246.92 · 2025-03-24
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.06M
@ $247.03 · 2025-03-24
ROHRBAUGH TROY L
Officer
$6.18M
@ $247.02 · 2025-03-24
BEER LORI A
Chief Technology Officer
$506,698
@ $246.93 · 2025-03-24
LEOPOLD ROBIN
Officer
$337,610
@ $270.09 · 2025-02-20
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.15M
@ $269.85 · 2025-02-20
ROHRBAUGH TROY L
Officer
$10.12M
@ $269.84 · 2025-02-20
BEER LORI A
Chief Technology Officer
$554,054
@ $269.88 · 2025-02-20
FRIEDMAN STACEY R.
General Counsel
$919,371
@ $278.34 · 2025-02-18
ERDOES MARY E.
Officer
$1.47M
@ $278.37 · 2025-02-18
PETNO DOUGLAS B
Officer
$971,646
@ $278.41 · 2025-02-18
FRIEDMAN STACEY R.
General Counsel
$838,778
@ $253.94 · 2025-01-16
ERDOES MARY E.
Officer
$1.34M
@ $253.97 · 2025-01-16
BACON ASHLEY
Officer
$1.81M
@ $253.94 · 2025-01-16
PETNO DOUGLAS B
Officer
$886,565
@ $253.96 · 2025-01-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
MMM
4
Sells (3M)
12
Sells (12M)
Total value (12M): $21.69M
REINSETH THERESA E
Officer
$888,796
@ $172.75 · 2026-02-11
DICKSON ZOE L
Officer
$4.27M
@ $170.34 · 2026-02-09
DICKSON ZOE L
Officer
$3.49M
@ $169.97 · 2026-02-09
CHAVEZ RODRIGUEZ BEATRIZ KARINA
Officer
$203,645
@ $171.13 · 2026-02-09
DICKSON ZOE L
Officer
$2.35M
@ $169.78 · 2025-11-13
DICKSON ZOE L
Officer
$2.31M
@ $169.82 · 2025-11-13
MURPHY MARK W
Chief Technology Officer
$3.17M
@ $166.55 · 2025-10-29
GORALSKI CHRISTIAN T JR
President
$925,860
@ $150.18 · 2025-08-07
REINSETH THERESA E
Officer
$523,741
@ $150.63 · 2025-08-05
BANOVETZ JOHN PATRICK
Officer
$1.15M
@ $148.37 · 2025-05-23
RHODES KEVIN H
Officer
$1.23M
@ $154.02 · 2025-05-20
DICKSON ZOE L
Officer
$1.18M
@ $149.02 · 2025-05-15
CLARKE VICTORIA
Officer
$269,878
@ $154.22 · 2025-01-31
ROMAN MICHAEL F
Chairman of the Board
$7.55M
@ $152.30 · 2025-01-29
BANOVETZ JOHN PATRICK
Officer
$726,249
@ $151.36 · 2025-01-27
DICKSON ZOE L
Officer
$542,957
@ $149.41 · 2025-01-27
CHAVEZ RODRIGUEZ BEATRIZ KARINA
President
$247,163
@ $150.25 · 2025-01-27
RHODES KEVIN H
Officer
$1.01M
@ $149.85 · 2025-01-27
REINSETH THERESA E
Officer
$346,241
@ $149.95 · 2025-01-24
GORALSKI CHRISTIAN T JR
Officer
$944,070
@ $149.43 · 2025-01-24
ROMAN MICHAEL F
Chairman of the Board
$6.79M
@ $150.01 · 2025-01-24
REINSETH THERESA E
Officer
$131,925
@ $127.71 · 2024-11-20
ROMAN MICHAEL F
Chairman of the Board
$700,608
@ $123.46 · 2024-08-07
REINSETH THERESA E
Chief Financial Officer
$260,652
@ $124.12 · 2024-08-06
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →JPM
😐Neutral(51/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
MMM
😐Neutral(41/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →JPM
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (51)
MMM
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (41)