JPM vs. PNC: JPMorgan Chase vs. PNC Financial Services Stock Comparison
How do JPMorgan Chase (JPM) and PNC Financial Services (PNC) 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) and PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | JPM | PNC |
|---|---|---|
| Name | JPMorgan Chase & Co. | The PNC Financial Services Group, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 888.27 billion USD | 89.43 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | JPM | PNC |
|---|---|---|
| Total Return (1Y) | 11.23% | 30.50% |
| Total Return (3Y, Annualized) | 36.31% | 29.46% |
| Total Return (5Y, Annualized) | 18.27% | 6.26% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | JPM | PNC |
|---|---|---|
| Volatility (1Y, Annualized) | 23.08% | 21.60% |
| Beta (5Y) | 1.02 | 0.90 |
| Max Drawdown (5Y) | -37.93% | -47.98% |
| Avg. Volume (3M) | 7.03M | 1.77M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | JPM | PNC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.30 | 1.21 |
| Sortino Ratio (1Y) | 0.42 | 1.77 |
Profitability
ROE (TTM)
JPMorgan Chase (JPM) at 18.01% sits in the top ROE quartile, while PNC Financial Services (PNC) at 13.10% is closer to the peer norm — stronger capital efficiency for JPM.
JPM
Banks industry group
18.01%
- Max
- 19.84%
- JPM
- 18.01%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
PNC
Banks industry group
13.10%
- Max
- 19.84%
- Q3
- 13.67%
- PNC
- 13.10%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both JPMorgan Chase (JPM) at 34.59% and PNC Financial Services (PNC) at 31.68% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
JPM
Banks industry group
34.59%
- Max
- 47.19%
- Q3
- 35.25%
- JPM
- 34.59%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
PNC
Banks industry group
31.68%
- Max
- 47.19%
- Q3
- 35.25%
- PNC
- 31.68%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for JPMorgan Chase (JPM) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | JPM | PNC |
|---|---|---|
| ROE (TTM) | 18.01% | 13.10% |
| ROA (TTM) | 1.37% | 1.33% |
| Net Margin (TTM) | 34.59% | 31.68% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both JPMorgan Chase (JPM) at 7.32% and PNC Financial Services (PNC) at 10.90% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
PNC Financial Services (PNC) at 20.74% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | JPM | PNC |
|---|---|---|
| Revenue Growth (YoY) | 7.32% | 10.90% |
| Revenue Growth (3Y CAGR) | 12.50% | 3.01% |
| EPS Growth (YoY) | 1.37% | 20.74% |
| EPS Growth (3Y CAGR) | 18.31% | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: JPMorgan Chase (JPM) in Banks and PNC Financial Services (PNC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: JPMorgan Chase (JPM) in Banks and PNC Financial Services (PNC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | JPM | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both JPMorgan Chase (JPM) at 1.82% and PNC Financial Services (PNC) at 3.13% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
JPM
Banks industry group
1.82%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- JPM
- 1.82%
- Q1
- 1.20%
- Min
- 0.00%
PNC
Banks industry group
3.13%
- Max
- 5.79%
- Q3
- 3.18%
- PNC
- 3.13%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both JPMorgan Chase (JPM) at 25.80% and PNC Financial Services (PNC) at 37.81% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
JPM
Banks industry group
25.80%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- JPM
- 25.80%
- Q1
- 18.98%
- Min
- 0.00%
PNC
Banks industry group
37.81%
- Max
- 70.75%
- Q3
- 41.28%
- PNC
- 37.81%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | JPM | PNC |
|---|---|---|
| Dividend Yield (TTM) | 1.82% | 3.13% |
| Dividend Payout Ratio (TTM) | 25.80% | 37.81% |
Valuation
P/E Ratio (TTM)
PNC Financial Services (PNC) at 12.00 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
PNC
Banks industry group
12.00
- Max
- 18.16
- Q3
- 13.75
- PNC
- 12.00
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both JPMorgan Chase (JPM) in Banks and PNC Financial Services (PNC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Both look rich against book: PNC Financial Services (PNC) at 1.59 sits in the upper P/B ratio quartile, and JPMorgan Chase (JPM) at 2.53 prices even higher, above its industry range.
JPM
Banks industry group
2.53
- JPM
- 2.53
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
PNC
Banks industry group
1.59
- Max
- 2.28
- PNC
- 1.59
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | JPM | PNC |
|---|---|---|
| P/E Ratio (TTM) | 14.03 | 12.00 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.53 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |