JPM vs. PNC: JPMorgan Chase vs. PNC Financial Services Stock Comparison
This page compares JPMorgan Chase (JPM) with PNC Financial Services (PNC) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | JPM | PNC |
|---|---|---|
| 1-Year Return | 21.89% | 38.21% |
Risk
Drawdown
Risk at a Glance
| Metric | JPM | PNC |
|---|---|---|
| 1-Year Volatility | 21.81% | 21.70% |
| Beta | 0.99 | 0.91 |
| 3-Month Avg. Volume | 9.07M | 2.11M |
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 | 859.37 billion USD | 95.44 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
Both JPMorgan Chase (JPM) at 15.36 and PNC Financial Services (PNC) at 13.81 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
JPM
Banks industry group
15.36
- Max
- 21.53
- Q3
- 15.41
- JPM
- 15.36
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
PNC
Banks industry group
13.81
- Max
- 21.53
- Q3
- 15.41
- PNC
- 13.81
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
Price-to-Sales 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.
Price-to-Book Ratio (MRQ)
PNC Financial Services (PNC) at 1.50 sits near its industry’s typical P/B ratio, while JPMorgan Chase (JPM) at 2.50 prices above its benchmark range — JPM looks rich relative to book.
JPM
Banks industry group
2.50
- JPM
- 2.50
- Max
- 2.22
- Q3
- 1.58
- Median
- 1.30
- Q1
- 1.13
- Min
- 0.64
PNC
Banks industry group
1.50
- Max
- 2.22
- Q3
- 1.58
- PNC
- 1.50
- Median
- 1.30
- Q1
- 1.13
- Min
- 0.64
Valuation at a Glance
| Metric | JPM | PNC |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 15.36 | 13.81 |
| Price-to-Sales Ratio (TTM) | -- | -- |
| Price-to-Book Ratio (MRQ) | 2.50 | 1.50 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
JPMorgan Chase (JPM) at 16.47% sits in the top ROE quartile, while PNC Financial Services (PNC) at 12.10% is closer to the peer norm — stronger capital efficiency for JPM.
JPM
Banks industry group
16.47%
- Max
- 19.15%
- JPM
- 16.47%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
PNC
Banks industry group
12.10%
- Max
- 19.15%
- Q3
- 13.07%
- PNC
- 12.10%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Profit Margin (TTM)
Both JPMorgan Chase (JPM) at 33.94% and PNC Financial Services (PNC) at 31.31% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
JPM
Banks industry group
33.94%
- Max
- 47.55%
- Q3
- 34.61%
- JPM
- 33.94%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
PNC
Banks industry group
31.31%
- Max
- 47.55%
- Q3
- 34.61%
- PNC
- 31.31%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
Operating Profit 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 at a Glance
| Metric | JPM | PNC |
|---|---|---|
| Return on Equity (TTM) | 16.47% | 12.10% |
| Return on Assets (TTM) | 1.27% | 1.26% |
| Net Profit Margin (TTM) | 33.94% | 31.31% |
| Operating Profit Margin (TTM) | -- | -- |
| Gross Profit Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | JPM | PNC |
|---|---|---|
| 1-Year Revenue Growth | 7.32% | 10.90% |
| 3-Year Revenue CAGR | 12.50% | 3.01% |
EPS Growth
EPS Growth at a Glance
| Metric | JPM | PNC |
|---|---|---|
| 1-Year EPS Growth | 1.37% | 20.74% |
| 3-Year EPS 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-to-Equity Ratio (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 at a Glance
| Metric | JPM | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both JPMorgan Chase (JPM) at 1.87% and PNC Financial Services (PNC) at 2.86% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
JPM
Banks industry group
1.87%
- Max
- 5.44%
- Q3
- 3.24%
- Median
- 2.58%
- JPM
- 1.87%
- Q1
- 1.71%
- Min
- 0.00%
PNC
Banks industry group
2.86%
- Max
- 5.44%
- Q3
- 3.24%
- PNC
- 2.86%
- Median
- 2.58%
- Q1
- 1.71%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both JPMorgan Chase (JPM) at 28.24% and PNC Financial Services (PNC) at 38.93% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
JPM
Banks industry group
28.24%
- Max
- 74.88%
- Q3
- 42.57%
- Median
- 29.00%
- JPM
- 28.24%
- Q1
- 19.94%
- Min
- 0.00%
PNC
Banks industry group
38.93%
- Max
- 74.88%
- Q3
- 42.57%
- PNC
- 38.93%
- Median
- 29.00%
- Q1
- 19.94%
- Min
- 0.00%
Dividends at a Glance
| Metric | JPM | PNC |
|---|---|---|
| Dividend Yield (TTM) | 1.87% | 2.86% |
| Dividend Payout Ratio (TTM) | 28.24% | 38.93% |