JPM vs. MSFT: A Head-to-Head Stock Comparison

Updated on August 8, 2025

Here’s a clear look at JPM and MSFT, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	JPM	MSFT
Company Name	JPMorgan Chase & Co.	Microsoft Corporation
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Banks	Software
Market Capitalization	801.17 billion USD	3,901.97 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	March 17, 1980	March 13, 1986
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of JPM and MSFT by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

JPM vs. MSFT: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	JPM	MSFT
5-Day Price Return	-1.65%	-1.60%
13-Week Price Return	15.36%	20.35%
26-Week Price Return	8.62%	26.49%
52-Week Price Return	49.49%	32.85%
Month-to-Date Return	-1.65%	-1.60%
Year-to-Date Return	21.54%	24.54%
10-Day Avg. Volume	8.14M	23.89M
3-Month Avg. Volume	9.81M	22.11M
3-Month Volatility	17.29%	15.35%
Beta	1.15	1.04

Profitability

Return on Equity (TTM)

JPM

16.16%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, JPM’s Return on Equity of 16.16% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

MSFT

32.44%

Software Industry

Max: 59.01%
Q3: 21.98%
Median: 7.15%
Q1: -11.12%
Min: -51.24%

In the upper quartile for the Software industry, MSFT’s Return on Equity of 32.44% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

JPM vs. MSFT: A comparison of their Return on Equity (TTM) against their respective Banks and Software industry benchmarks.

Net Profit Margin (TTM)

JPM

33.26%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

JPM’s Net Profit Margin of 33.26% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

MSFT

36.15%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

A Net Profit Margin of 36.15% places MSFT in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.

JPM vs. MSFT: A comparison of their Net Profit Margin (TTM) against their respective Banks and Software industry benchmarks.

Operating Profit Margin (TTM)

JPM

41.23%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

JPM’s Operating Profit Margin of 41.23% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

MSFT

45.29%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

An Operating Profit Margin of 45.29% places MSFT in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

JPM vs. MSFT: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Software industry benchmarks.

Profitability at a Glance

Symbol	JPM	MSFT
Return on Equity (TTM)	16.16%	32.44%
Return on Assets (TTM)	1.32%	18.20%
Net Profit Margin (TTM)	33.26%	36.15%
Operating Profit Margin (TTM)	41.23%	45.29%
Gross Profit Margin (TTM)	--	68.82%

Financial Strength

Current Ratio (MRQ)

JPM

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MSFT

1.35

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

MSFT’s Current Ratio of 1.35 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.

JPM vs. MSFT: A comparison of their Current Ratio (MRQ) against their respective Banks and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

JPM

3.03

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

MSFT

0.26

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

MSFT’s Debt-to-Equity Ratio of 0.26 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

JPM vs. MSFT: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Software industry benchmarks.

Interest Coverage Ratio (TTM)

JPM

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

MSFT

891.80

Software Industry

Max: 67.02
Q3: 19.86
Median: 0.70
Q1: -12.50
Min: -53.00

With an Interest Coverage Ratio of 891.80, MSFT demonstrates a superior capacity to service its debt, placing it well above the typical range for the Software industry. This stems from either robust earnings or a conservative debt load.

JPM vs. MSFT: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Software industry benchmarks.

Financial Strength at a Glance

Symbol	JPM	MSFT
Current Ratio (MRQ)	--	1.35
Quick Ratio (MRQ)	--	1.35
Debt-to-Equity Ratio (MRQ)	3.03	0.26
Interest Coverage Ratio (TTM)	--	891.80

Growth

Revenue Growth

JPM vs. MSFT: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

JPM vs. MSFT: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

JPM

1.86%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

JPM’s Dividend Yield of 1.86% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

MSFT

0.61%

Software Industry

Max: 0.08%
Q3: 0.03%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

MSFT’s Dividend Yield of 0.61% is exceptionally high, placing it well above the typical range for the Software industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

JPM vs. MSFT: A comparison of their Dividend Yield (TTM) against their respective Banks and Software industry benchmarks.

Dividend Payout Ratio (TTM)

JPM

25.32%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

JPM’s Dividend Payout Ratio of 25.32% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

MSFT

23.65%

Software Industry

Max: 1.32%
Q3: 0.53%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

At 23.65%, MSFT’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

JPM vs. MSFT: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Software industry benchmarks.

Dividend at a Glance

Symbol	JPM	MSFT
Dividend Yield (TTM)	1.86%	0.61%
Dividend Payout Ratio (TTM)	25.32%	23.65%

Valuation

Price-to-Earnings Ratio (TTM)

JPM

14.36

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 14.36 places JPM in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

MSFT

38.52

Software Industry

Max: 149.35
Q3: 100.21
Median: 47.97
Q1: 26.77
Min: 11.68

MSFT’s P/E Ratio of 38.52 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

JPM vs. MSFT: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

JPM

2.90

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

MSFT

13.92

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

MSFT’s P/S Ratio of 13.92 is in the upper echelon for the Software industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

JPM vs. MSFT: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

JPM

2.26

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

At 2.26, JPM’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

MSFT

10.76

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
Min: 0.38

MSFT’s P/B Ratio of 10.76 is within the conventional range for the Software industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

JPM vs. MSFT: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Software industry benchmarks.

Valuation at a Glance

Symbol	JPM	MSFT
Price-to-Earnings Ratio (TTM)	14.36	38.52
Price-to-Sales Ratio (TTM)	2.90	13.92
Price-to-Book Ratio (MRQ)	2.26	10.76
Price-to-Free Cash Flow Ratio (TTM)	4.36	54.78