Compare Stocks › JPM vs XYZ
JPMorgan Chase & Co. (JPM) vs Block, Inc. (XYZ): Which Is the Better Buy in 2026?
As of 2026-06-19, JPM is undervalued at $325, with a DCF intrinsic value of $498 and a margin of safety of 35%. XYZ is undervalued at $75, with an intrinsic value of $170 and a margin of safety of 56%. Of the two, XYZ has the wider margin of safety.
JPM
JPMorgan Chase & Co.
$325.22
VS
XYZ
Block, Inc.
$74.78
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.
XYZ
- ★Free cash flow has grown at a 681.1% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $4.99 of earning power — management is an exceptional capital allocator.
- ★Management has timed buybacks well — 2 out of 3 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.
- ⚠Trailing P/E of 15.6x is 25% above the historical average of 12.4x — the stock trades at a premium to its own history.
- ⚠Altman Z-Score of 0.30 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
XYZ
- ⚠Despite buyback spending, shares outstanding increased in 2 out of 3 years — stock-based compensation is offsetting repurchases.
- ⚠12 insider sales totaling $18.8M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →JPM
XYZ
Valuation
N/A
Free Cash Flow
$-794.56M
N/A
FCF Yield
-1.79%
15.57
Trailing P/E
58.42
13.80
Forward P/E
15.02
Quality & Moat
4.54%
ROIC
-1.71%
16.47%
ROE
3.74%
0.00%
Gross Margin
45.08%
1.76
PEG Ratio
0.83
Balance Sheet Safety
N/A
Net Debt / Equity
0.04
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
0.52
1.77%
Dividend Yield
0.00%
JPM: 5Ties: 1XYZ: 2
JPMXYZ
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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
XYZ
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
$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
XYZ
$0.35
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$4.21B
Δ Market Cap
+$1.48B
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
34.7% Margin of Safety
Price is 34.7% below estimated fair value
Current Price: $325.22
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $498.31
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
XYZ
56.1% Margin of Safety
Price is 56.1% below estimated fair value
Current Price: $74.78
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $170.25
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →JPM
Requires positive FCF to compute implied growth rate.
XYZ
Requires positive FCF to compute implied growth rate.
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.
XYZ
40/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency as the key competitive advantage. Improving roic consistency 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 5 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.
XYZ
-2.62
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 75.6%Retail & Other 24.0%
No. of Institutional Holders6,275
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.
XYZ
Insiders 1.3%Institutions 84.4%Retail & Other 14.3%
No. of Institutional Holders1,418
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
XYZ
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
15
Sells (3M)
29
Sells (12M)
Total value (12M): $95.82M
FRIEDMAN STACEY R.
General Counsel
$1.64M
@ $300.27 · 2026-05-20
ERDOES MARY E.
Officer
$1.98M
@ $298.36 · 2026-05-15
PETNO DOUGLAS B
Officer
$1.70M
@ $300.05 · 2026-05-15
BEER LORI A
Chief Technology Officer
$949,658
@ $300.05 · 2026-05-15
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.52M
@ $309.42 · 2026-05-05
BARNUM JEREMY
Chief Financial Officer
$935,032
@ $309.41 · 2026-05-05
BACON ASHLEY
Officer
$1.26M
@ $309.42 · 2026-05-05
DIMON JAMES
Chief Executive Officer
$40.00M
@ $306.56 · 2026-04-15
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
ERDOES MARY E.
Officer
$3.78M
@ $306.57 · 2026-04-15
PETNO DOUGLAS B
Officer
$1.74M
@ $306.58 · 2026-04-15
BEER LORI A
Chief Technology Officer
$970,660
@ $306.59 · 2026-04-15
LEOPOLD ROBIN
Officer
$127,761
@ $295.06 · 2026-03-23
ROHRBAUGH TROY L
Officer
$15.36M
@ $307.11 · 2026-02-19
LEOPOLD ROBIN
Officer
$132,684
@ $307.14 · 2026-02-19
BARNUM JEREMY
Chief Financial Officer
$886,157
@ $306.42 · 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
BEER LORI A
Chief Technology Officer
$627,207
@ $306.40 · 2026-02-17
BARNUM JEREMY
Chief Financial Officer
$904,890
@ $312.79 · 2026-01-16
PIEPSZAK JENNIFER A
Chief Operating Officer
$2.68M
@ $312.79 · 2026-01-16
BACON ASHLEY
Officer
$2.30M
@ $312.79 · 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
BEER LORI A
Chief Technology Officer
$640,295
@ $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
BAMMANN LINDA B.
Director
$2.38M
@ $250.00 · 2025-05-06
BARNUM JEREMY
Chief Financial Officer
$10.03M
@ $250.77 · 2025-05-06
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.54M
@ $250.76 · 2025-05-06
DIMON JAMES
Chief Executive Officer
$31.50M
@ $235.68 · 2025-04-14
ROHRBAUGH TROY L
Officer
$6.18M
@ $247.02 · 2025-03-24
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.06M
@ $247.03 · 2025-03-24
LEOPOLD ROBIN
Officer
$308,652
@ $246.92 · 2025-03-24
BEER LORI A
Chief Technology Officer
$506,698
@ $246.93 · 2025-03-24
ROHRBAUGH TROY L
Officer
$10.12M
@ $269.84 · 2025-02-20
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.15M
@ $269.85 · 2025-02-20
LEOPOLD ROBIN
Officer
$337,610
@ $270.09 · 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
BACON ASHLEY
Officer
$1.81M
@ $253.94 · 2025-01-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
XYZ
12
Sells (3M)
54
Sells (12M)
Total value (12M): $35.00M
EISEN ANTHONY MATHEW
Director
$852,240
@ $71.02 · 2026-06-15
EISEN ANTHONY MATHEW
Director
$1.21M
@ $67.18 · 2026-06-11
EISEN ANTHONY MATHEW
Director
$1.26M
@ $69.75 · 2026-06-08
EISEN ANTHONY MATHEW
Director
$11.32M
@ $76.63 · 2026-06-03
AHUJA AMRITA
Chief Operating Officer
$848,624
@ $76.62 · 2026-06-01
JENNINGS OWEN BRITTON
Officer
$90,199
@ $68.54 · 2026-05-22
GRASSADONIA BRIAN
Officer
$555,370
@ $68.01 · 2026-05-22
JENNINGS OWEN BRITTON
Officer
$43,835
@ $69.91 · 2026-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$225,000
@ $75.00 · 2026-04-21
AHUJA AMRITA
Chief Operating Officer
$2.32M
@ $75.00 · 2026-04-21
JENNINGS OWEN BRITTON
Officer
$8,013
@ $60.25 · 2026-04-06
GRASSADONIA BRIAN
Officer
$106,582
@ $60.25 · 2026-04-06
JENNINGS OWEN BRITTON
Officer
$225,423
@ $63.41 · 2026-03-03
GRASSADONIA BRIAN
Officer
$517,450
@ $50.00 · 2026-02-24
GRASSADONIA BRIAN
Officer
$202,286
@ $66.96 · 2026-01-06
JENNINGS OWEN BRITTON
Officer
$52,592
@ $63.98 · 2026-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$21,177
@ $63.98 · 2026-01-02
AHUJA AMRITA
Chief Operating Officer
$70,442
@ $63.98 · 2026-01-02
DALE AJMERE SINGH
Officer
$76,354
@ $65.09 · 2026-01-02
GRASSADONIA BRIAN
Officer
$897,596
@ $61.71 · 2025-11-24
WEBER ARNAUD
Officer
$435,633
@ $61.40 · 2025-11-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$221,531
@ $61.40 · 2025-11-21
JENNINGS OWEN BRITTON
Officer
$639,604
@ $61.40 · 2025-11-21
AHUJA AMRITA
Chief Operating Officer
$611,483
@ $61.40 · 2025-11-21
DALE AJMERE SINGH
Officer
$167,254
@ $61.40 · 2025-11-21
GRASSADONIA BRIAN
Officer
$2.81M
@ $80.00 · 2025-10-08
DALE AJMERE SINGH
Officer
$60,000
@ $80.00 · 2025-10-08
GRASSADONIA BRIAN
Officer
$229,104
@ $75.84 · 2025-10-03
AHUJA AMRITA
Chief Operating Officer
$198,871
@ $75.70 · 2025-10-03
ESPERANZA CHRISTINEGRACE GANAL
Officer
$30,357
@ $74.77 · 2025-10-02
JENNINGS OWEN BRITTON
Officer
$78,508
@ $74.77 · 2025-10-02
DALE AJMERE SINGH
Officer
$93,045
@ $73.26 · 2025-10-02
AHUJA AMRITA
Chief Operating Officer
$493,575
@ $75.00 · 2025-09-16
GRASSADONIA BRIAN
Officer
$744,102
@ $76.24 · 2025-09-02
DALE AJMERE SINGH
Officer
$291,556
@ $74.60 · 2025-08-25
JENNINGS OWEN BRITTON
Officer
$1.39M
@ $73.50 · 2025-08-22
AHUJA AMRITA
Chief Operating Officer
$1.20M
@ $73.90 · 2025-08-22
ESPERANZA CHRISTINEGRACE GANAL
Officer
$264,179
@ $73.20 · 2025-08-21
GRASSADONIA BRIAN
Officer
$473,238
@ $73.20 · 2025-08-21
PRASANNA DHANANJAY
Officer
$417,181
@ $73.72 · 2025-08-21
PRASANNA DHANANJAY
Officer
$274,284
@ $76.19 · 2025-08-15
PRASANNA DHANANJAY
Officer
$32,796
@ $81.99 · 2025-08-08
PRASANNA DHANANJAY
Chief Technology Officer
$269,748
@ $74.93 · 2025-08-01
PRASANNA DHANANJAY
Officer
$64,000
@ $80.00 · 2025-07-23
DALE AJMERE SINGH
Officer
$40,000
@ $80.00 · 2025-07-23
JENNINGS OWEN BRITTON
Officer
$313,850
@ $78.60 · 2025-07-21
AHUJA AMRITA
Chief Operating Officer
$1.29M
@ $78.60 · 2025-07-21
PRASANNA DHANANJAY
Officer
$246,568
@ $68.49 · 2025-07-17
ESPERANZA CHRISTINEGRACE GANAL
Officer
$28,120
@ $69.26 · 2025-07-02
PRASANNA DHANANJAY
Officer
$407,048
@ $67.84 · 2025-07-02
JENNINGS OWEN BRITTON
Officer
$72,723
@ $69.26 · 2025-07-02
GRASSADONIA BRIAN
Officer
$92,947
@ $69.26 · 2025-07-02
AHUJA AMRITA
Chief Operating Officer
$93,570
@ $69.26 · 2025-07-02
DALE AJMERE SINGH
Officer
$25,349
@ $69.26 · 2025-07-02
PRASANNA DHANANJAY
Officer
$177,828
@ $63.51 · 2025-06-16
JENNINGS OWEN BRITTON
Officer
$142,025
@ $65.00 · 2025-06-06
PRASANNA DHANANJAY
Officer
$169,568
@ $60.56 · 2025-06-02
PRASANNA DHANANJAY
Officer
$695,039
@ $61.41 · 2025-05-27
JENNINGS OWEN BRITTON
Officer
$852,216
@ $56.30 · 2025-05-22
GRASSADONIA BRIAN
Officer
$366,197
@ $56.39 · 2025-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$169,678
@ $56.39 · 2025-05-21
AHUJA AMRITA
Chief Operating Officer
$564,013
@ $56.39 · 2025-05-21
DALE AJMERE SINGH
Officer
$108,720
@ $56.39 · 2025-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$412,500
@ $55.00 · 2025-05-12
JENNINGS OWEN BRITTON
Officer
$70,968
@ $56.19 · 2025-04-02
GRASSADONIA BRIAN
Officer
$105,918
@ $56.19 · 2025-04-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$20,509
@ $56.19 · 2025-04-02
AHUJA AMRITA
Chief Operating Officer
$111,031
@ $56.19 · 2025-04-02
DALE AJMERE SINGH
Officer
$53,874
@ $55.31 · 2025-04-02
JENNINGS OWEN BRITTON
Officer
$851,111
@ $69.30 · 2025-02-24
GRASSADONIA BRIAN
Officer
$539,083
@ $69.35 · 2025-02-24
ESPERANZA CHRISTINEGRACE GANAL
Officer
$114,411
@ $70.32 · 2025-02-21
AHUJA AMRITA
Chief Operating Officer
$446,180
@ $70.32 · 2025-02-21
DALE AJMERE SINGH
Officer
$103,159
@ $70.32 · 2025-02-21
GRASSADONIA BRIAN
Officer
$378,855
@ $89.44 · 2025-01-03
JENNINGS OWEN BRITTON
Officer
$253,486
@ $89.38 · 2025-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$36,165
@ $86.52 · 2025-01-02
AHUJA AMRITA
Chief Operating Officer
$129,953
@ $86.52 · 2025-01-02
DALE AJMERE SINGH
Officer
$177,252
@ $86.72 · 2025-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$272,175
@ $95.00 · 2024-12-02
GRASSADONIA BRIAN
Officer
$1.06M
@ $91.49 · 2024-11-22
AHUJA AMRITA
Chief Operating Officer
$910,434
@ $91.71 · 2024-11-22
ESPERANZA CHRISTINEGRACE GANAL
Officer
$179,294
@ $91.43 · 2024-11-21
DALE AJMERE SINGH
Officer
$162,837
@ $91.43 · 2024-11-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$61,830
@ $90.00 · 2024-11-18
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
😏Greed(69/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
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.
XYZ
😐Neutral(54/100)
"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: Greed (69)
XYZ
⚪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 (54)
Frequently Asked Questions: JPM vs XYZ
Is JPMorgan Chase & Co. or Block, Inc. more undervalued in 2026?▼
Based on our discounted cash flow model, XYZ trades at a 56.1% margin of safety (intrinsic value $170 vs. price $75), compared to JPM's 34.7% margin of safety (intrinsic $498 vs. $325).
Which stock has a wider economic moat, JPMorgan Chase & Co. or Block, Inc.?▼
JPM scores 90/100 (Wide moat), while XYZ scores 40/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.
Is JPMorgan Chase & Co. in financial distress?▼
JPM's Altman Z-Score of 0.3 places it in the Distress zone, signaling elevated bankruptcy risk. XYZ scores 2.7 (Grey zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.
Which stock has higher return on invested capital, JPMorgan Chase & Co. or Block, Inc.?▼
JPM earns 4.5% ROIC versus XYZ's -1.7%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.