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JPM vs. MSFT: JPMorgan Chase vs. Microsoft Stock Comparison

How do JPMorgan Chase (JPM) and Microsoft (MSFT) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

JPMorgan Chase (JPM) is classified in the Financials sector (Banks), whereas Microsoft (MSFT) belongs to Information Technology (Software & Services) — their GICS classifications point to very different parts of the market.

Company profile comparison for JPMorgan Chase (JPM) and Microsoft (MSFT)
Profile ItemJPMMSFT
NameJPMorgan Chase & Co.Microsoft Corporation Common Stock
Country/RegionUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS Industry GroupBanksSoftware & Services
GICS IndustryBanksSoftware
GICS Sub-IndustryDiversified BanksSystems Software
Market Capitalization888.27 billion USD3,940.41 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateMarch 17, 1980March 13, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JPM
MSFT
GSPC
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JPMorgan Chase (JPM) vs. Microsoft (MSFT), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for JPMorgan Chase (JPM) and Microsoft (MSFT). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for JPMorgan Chase (JPM) and Microsoft (MSFT). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
Total Return (1Y)11.23%10.30%
Total Return (3Y, Annualized)36.31%15.53%
Total Return (5Y, Annualized)18.27%11.01%

Risk Profile

Drawdown History

JPM
MSFT
GSPC
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JPMorgan Chase (JPM) vs. Microsoft (MSFT), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for JPMorgan Chase (JPM) and Microsoft (MSFT). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
Volatility (1Y, Annualized)23.08%33.91%
Beta (5Y)1.021.03
Max Drawdown (5Y)-37.93%-37.15%
Avg. Volume (3M)7.03M22.95M

Risk-Adjusted Performance

Risk-Return Positioning

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JPM and MSFT are plotted by 1-year volatility (risk) and 1-year return. Each dashed Capital Allocation Line uses that stock's own industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
Sharpe Ratio (1Y)0.300.18
Sortino Ratio (1Y)0.420.28

Profitability

ROE (TTM)

Both JPMorgan Chase (JPM) at 18.01% and Microsoft (MSFT) at 34.22% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

JPM

Banks industry group

18.01%

Max
19.84%
JPM
18.01%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%

MSFT

Software & Services industry group

34.22%

Max
53.85%
MSFT
34.22%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their ROE against their respective Banks and Software & Services industry group benchmarks.

Net Margin (TTM)

Microsoft (MSFT) at 41.17% retains a top-quartile share of revenue as profit, ahead of JPMorgan Chase (JPM) at 34.59%, which keeps about the industry-typical share.

JPM

Banks industry group

34.59%

Max
47.19%
Q3
35.25%
JPM
34.59%
Median
31.21%
Q1
27.11%
Min
14.93%

MSFT

Software & Services industry group

41.17%

MSFT
41.17%
Max
41.17%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their net margin against their respective Banks and Software & Services industry group benchmarks.

Operating Margin (TTM)

Microsoft (MSFT) reports operating margin of 49.76%; JPMorgan Chase (JPM) doesn’t report a comparable line — in Banks, funding costs sit inside the core business rather than below an operating line, so profitability is better judged on net margin or ROE.

JPM

Banks industry group

--

JPM
--
Max
--
Q3
--
Median
--
Q1
--
Min
--

MSFT

Software & Services industry group

49.76%

MSFT
49.76%
Max
46.89%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): JPM’s operating margin is not assessed under the Banks industry convention, so the chart shows available visual context for MSFT only.

Profitability Metrics

Profitability metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
ROE (TTM)18.01%34.22%
ROA (TTM)1.37%14.41%
Net Margin (TTM)34.59%41.17%
Operating Margin (TTM)--49.76%
Gross Margin (TTM)--67.66%

Growth

Revenue Growth

Both JPMorgan Chase (JPM) at 7.32% and Microsoft (MSFT) at 17.79% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their Revenue Growth across different time periods.

EPS Growth

Microsoft (MSFT) at 31.60% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.

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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
Revenue Growth (YoY)7.32%17.79%
Revenue Growth (3Y CAGR)12.50%16.12%
EPS Growth (YoY)1.37%31.60%
EPS Growth (3Y CAGR)18.31%22.86%

Financial Strength

Current Ratio (MRQ)

Microsoft (MSFT) shows current ratio of 1.23; JPMorgan Chase (JPM) doesn’t get one — Banks balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.

JPM

Banks industry group

--

JPM
--
Max
--
Q3
--
Median
--
Q1
--
Min
--

MSFT

Software & Services industry group

1.23

Max
5.11
Q3
2.77
Median
1.67
MSFT
1.23
Q1
1.01
Min
0.03
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): JPM’s current ratio is not assessed under the Banks industry convention, so the chart shows available visual context for MSFT only.

Debt / Equity (MRQ)

Microsoft (MSFT) shows debt-to-equity ratio of 0.28; for JPMorgan Chase (JPM) the ratio is set aside — in Banks, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.

JPM

Banks industry group

--

JPM
--
Max
--
Q3
--
Median
--
Q1
--
Min
--

MSFT

Software & Services industry group

0.28

Max
2.52
Q3
1.13
Median
0.40
MSFT
0.28
Q1
0.07
Min
0.00
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): JPM’s debt-to-equity ratio is not assessed under the Banks industry convention, so the chart shows available visual context for MSFT only.

Financial Strength Metrics

Financial strength metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
Current Ratio (MRQ)--1.23
Debt / Equity (MRQ)--0.28
Net Debt / EBITDA--0.34

Dividends

Dividend Yield (TTM)

JPMorgan Chase (JPM) at 1.82% pays an industry-typical yield; Microsoft (MSFT) at 0.69% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

JPM

Banks industry group

1.82%

Max
5.79%
Q3
3.18%
Median
2.39%
JPM
1.82%
Q1
1.20%
Min
0.00%

MSFT

Software & Services industry group

0.69%

MSFT
0.69%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their dividend yield against their respective Banks and Software & Services industry group benchmarks.

Dividend Payout Ratio (TTM)

JPMorgan Chase (JPM) at 25.80% keeps its payout in the industry’s typical band, while Microsoft (MSFT) at 19.00% pays out more than any of its peers — the most stretched cover in its group.

JPM

Banks industry group

25.80%

Max
70.75%
Q3
41.28%
Median
29.26%
JPM
25.80%
Q1
18.98%
Min
0.00%

MSFT

Software & Services industry group

19.00%

MSFT
19.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their payout ratio against their respective Banks and Software & Services industry group benchmarks.

Dividend Metrics

Dividend metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
Dividend Yield (TTM)1.82%0.69%
Dividend Payout Ratio (TTM)25.80%19.00%

Valuation

P/E Ratio (TTM)

Microsoft (MSFT) at 27.69 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM needs stronger growth or earnings quality to justify the premium.

JPM

Banks industry group

14.03

Max
18.16
JPM
14.03
Q3
13.75
Median
11.81
Q1
10.64
Min
6.49

MSFT

Software & Services industry group

27.69

Max
112.94
Q3
60.32
Median
32.91
MSFT
27.69
Q1
18.77
Min
6.69
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their P/E ratio against their respective Banks and Software & Services industry group benchmarks.

P/S Ratio (TTM)

Microsoft (MSFT) shows P/S ratio of 11.37; for JPMorgan Chase (JPM) the multiple is skipped — in Banks, income is dominated by interest spread rather than a conventional revenue line, so pricing per dollar of sales loses meaning and book- or earnings-based multiples carry the comparison.

JPM

Banks industry group

--

JPM
--
Max
--
Q3
--
Median
--
Q1
--
Min
--

MSFT

Software & Services industry group

11.37

Max
17.91
MSFT
11.37
Q3
8.78
Median
4.25
Q1
2.23
Min
0.02
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): JPM’s P/S ratio is not assessed under the Banks industry convention, so the chart shows available visual context for MSFT only.

P/B Ratio (MRQ)

Microsoft (MSFT) at 8.38 sits near its industry’s typical P/B ratio, while JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM looks rich relative to book.

JPM

Banks industry group

2.53

JPM
2.53
Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
Min
0.59

MSFT

Software & Services industry group

8.38

Max
16.63
Q3
8.50
MSFT
8.38
Median
4.30
Q1
1.92
Min
-3.90
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JPMorgan Chase (JPM) vs. Microsoft (MSFT): A comparison of their P/B ratio against their respective Banks and Software & Services industry group benchmarks.

Valuation Metrics

Valuation metrics for JPMorgan Chase (JPM) and Microsoft (MSFT)
MetricJPMMSFT
P/E Ratio (TTM)14.0327.69
P/S Ratio (TTM)--11.37
P/B Ratio (MRQ)2.538.38
Free Cash Flow Yield (TTM)--0.08%