Compare Stocks › JPM vs UBER
JPMorgan Chase & Co. (JPM) vs Uber Technologies, Inc. (UBER)
JPM
JPMorgan Chase & Co.
$312.47
VS
UBER
Uber Technologies, Inc.
$75.12
Rewards
JPM
- ★JPMorgan Chase & Co. scores 90/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Each dollar of retained earnings has created $1.79 of earning power — management is creating shareholder value.
- ★PEG ratio of 0.87 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
UBER
- ★Free cash flow has grown at a 192.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $9.78 of earning power — management is an exceptional capital allocator.
- ★Management has timed buybacks well — 2 out of 2 years showed value-accretive repurchases.
Risks
JPM
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.30 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠14 insider sales totaling $73.3M with no purchases in the past 3 months — insiders are reducing their exposure.
UBER
- ⚠FCF yield of 6.3% suggests reasonable valuation assuming continued moderate growth.
- ⚠PEG ratio of 4.51 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →JPM
UBER
Valuation
N/A
Free Cash Flow
$9.76B
N/A
FCF Yield
6.31%
14.95
Trailing P/E
15.88
13.28
Forward P/E
17.43
Quality & Moat
4.54%
ROIC
12.57%
N/A
ROE
35.80%
0.00%
Gross Margin
38.50%
0.87
PEG Ratio
4.51
Balance Sheet Safety
N/A
Debt / Equity
0.44
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
0.74
1.92%
Dividend Yield
N/A
JPM: 3Ties: 1UBER: 2
JPMUBER
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.
UBER
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
UBER
$5.48
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$21.80B
Δ Market Cap
+$119.37B
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
37.2% Margin of Safety
Price is 37.2% below estimated fair value
Current Price: $312.47
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $497.67
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
UBER
78.6% Margin of Safety
Price is 78.6% below estimated fair value
Current Price: $75.12
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $350.24
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →JPM
Requires positive FCF to compute implied growth rate.
UBER
What growth rate is the market pricing in at $75?
+4.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +4.9%
The market implies +4.5% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +4.9%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →JPM
90/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.
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.
UBER
47/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability 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.
UBER
-2.29
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 75.7%Retail & Other 23.8%
No. of Institutional Holders6,190
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.
UBER
Insiders 0.4%Institutions 86.3%Retail & Other 13.2%
No. of Institutional Holders3,304
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
UBER
1
Buys (3M)
2
Buys (12M)
Total value (12M): $1.60M
KRISHNAMURTHY BALAJI
Chief Financial Officer
$1.60M
@ $71.25 · 2026-02-24
MAHENDRA-RAJAH PRASHANTH
Chief Financial Officer
$465.00
@ $93.00 · 2025-10-14
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
14
Sells (3M)
33
Sells (12M)
Total value (12M): $118.67M
PIEPSZAK JENNIFER A
Chief Operating Officer
$2.80M
@ $306.56 · 2026-04-15
BARNUM JEREMY
Chief Financial Officer
$1.72M
@ $306.55 · 2026-04-15
BACON ASHLEY
Officer
$2.32M
@ $306.55 · 2026-04-15
BEER LORI A
Chief Technology Officer
$970,660
@ $306.59 · 2026-04-15
DIMON JAMES
Chief Executive Officer
$40.00M
@ $306.56 · 2026-04-15
ERDOES MARY E.
Officer
$3.78M
@ $306.57 · 2026-04-15
PETNO DOUGLAS B
Officer
$1.74M
@ $306.58 · 2026-04-15
LEOPOLD ROBIN
Officer
$127,761
@ $295.06 · 2026-03-23
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
BACON ASHLEY
Officer
$2.30M
@ $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
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
LAKE MARIANNE
Officer
$3.28M
@ $267.08 · 2025-05-16
BEER LORI A
Chief Technology Officer
$1.57M
@ $267.09 · 2025-05-16
PETNO DOUGLAS B
Officer
$2.71M
@ $266.89 · 2025-05-15
BACON ASHLEY
Officer
$1.37M
@ $262.53 · 2025-05-13
ERDOES MARY E.
Officer
$3.69M
@ $262.54 · 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
BACON ASHLEY
Officer
$1.81M
@ $253.94 · 2025-01-16
ERDOES MARY E.
Officer
$1.34M
@ $253.97 · 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
UBER
1
Sells (3M)
16
Sells (12M)
Total value (12M): $65.74M
KRISHNAMURTHY TANYA NICHOLE
Officer
$2.23M
@ $74.45 · 2026-03-16
WEST, TONY
Officer
$251,125
@ $80.36 · 2025-12-18
WEST, TONY
Officer
$287,812
@ $92.10 · 2025-11-18
MAHENDRA-RAJAH PRASHANTH
Chief Financial Officer
$519,234
@ $94.41 · 2025-11-12
WEST, TONY
Officer
$290,625
@ $93.00 · 2025-10-20
KHOSROWSHAHI DARA
Chief Executive Officer
$15.07M
@ $100.48 · 2025-09-22
WEST, TONY
Officer
$10.04M
@ $100.38 · 2025-09-22
WEST, TONY
Officer
$293,562
@ $93.94 · 2025-09-18
MAHENDRA-RAJAH PRASHANTH
Chief Financial Officer
$273,405
@ $99.42 · 2025-09-16
KHOSROWSHAHI DARA
Chief Executive Officer
$28.61M
@ $95.37 · 2025-09-12
WEST, TONY
Officer
$296,875
@ $95.00 · 2025-08-26
HAZELBAKER JILL
Officer
$3.01M
@ $96.42 · 2025-08-22
KRISHNAMURTHY TANYA NICHOLE
Officer
$1.06M
@ $91.74 · 2025-08-15
MAHENDRA-RAJAH PRASHANTH
Chief Financial Officer
$261,250
@ $95.00 · 2025-07-07
HAZELBAKER JILL
Officer
$3.00M
@ $86.03 · 2025-05-12
MAHENDRA-RAJAH PRASHANTH
Chief Financial Officer
$233,750
@ $85.00 · 2025-05-05
MAHENDRA-RAJAH PRASHANTH
Chief Financial Officer
$206,250
@ $75.00 · 2025-03-20
KRISHNAMURTHY TANYA NICHOLE
Officer
$1.43M
@ $71.57 · 2025-03-14
WEST, TONY
Officer
$3.31M
@ $70.59 · 2025-03-14
HAZELBAKER JILL
Officer
$2.51M
@ $81.02 · 2025-02-18
HAZELBAKER JILL
Officer
$2.03M
@ $72.90 · 2024-11-25
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(60/100)
"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.
UBER
😐Neutral(45/100)
"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 (60)
UBER
⚪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 (45)