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JPM vs. TFC: JPMorgan Chase vs. Truist Financial Stock Comparison

How do JPMorgan Chase (JPM) and Truist Financial (TFC) 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 Truist Financial (TFC) both belong to the Banks industry, though JPM is classified under Diversified Banks while TFC falls under Regional Banks.

Company profile comparison for JPMorgan Chase (JPM) and Truist Financial (TFC)
Profile ItemJPMTFC
NameJPMorgan Chase & Co.Truist Financial Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryDiversified BanksRegional Banks
Market Capitalization888.27 billion USD59.18 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980March 18, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JPM
TFC
GSPC
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JPMorgan Chase (JPM) vs. Truist Financial (TFC), 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 Truist Financial (TFC). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
Total Return (1Y)11.23%18.58%
Total Return (3Y, Annualized)36.31%25.74%
Total Return (5Y, Annualized)18.27%-0.01%

Risk Profile

Drawdown History

JPM
TFC
GSPC
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JPMorgan Chase (JPM) vs. Truist Financial (TFC), 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 Truist Financial (TFC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
Volatility (1Y, Annualized)23.08%23.91%
Beta (5Y)1.020.88
Max Drawdown (5Y)-37.93%-59.11%
Avg. Volume (3M)7.03M7.35M

Risk-Adjusted Performance

Risk-Return Positioning

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JPM and TFC are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
Sharpe Ratio (1Y)0.300.60
Sortino Ratio (1Y)0.420.83

Profitability

ROE (TTM)

JPMorgan Chase (JPM) at 18.01% sits in the top ROE quartile, while Truist Financial (TFC) at 8.16% is in the bottom quartile, showing a clear gap in returns on equity.

JPM

Banks industry group

18.01%

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

TFC

Banks industry group

8.16%

Max
19.84%
Q3
13.67%
Median
11.49%
Q1
9.50%
TFC
8.16%
Min
3.64%
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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

Both JPMorgan Chase (JPM) at 34.59% and Truist Financial (TFC) at 28.38% 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%

TFC

Banks industry group

28.38%

Max
47.19%
Q3
35.25%
Median
31.21%
TFC
28.38%
Q1
27.11%
Min
14.93%
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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for JPMorgan Chase (JPM) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
ROE (TTM)18.01%8.16%
ROA (TTM)1.37%0.95%
Net Margin (TTM)34.59%28.38%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than JPMorgan Chase (JPM) at 7.32%, which is closer to a typical peer reading.

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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their Revenue Growth across different time periods.

EPS Growth

Truist Financial (TFC) at 13.69% 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. Truist Financial (TFC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
Revenue Growth (YoY)7.32%53.03%
Revenue Growth (3Y CAGR)12.50%0.57%
EPS Growth (YoY)1.37%13.69%
EPS Growth (3Y CAGR)18.31%-4.82%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: JPMorgan Chase (JPM) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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

Financial strength metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Truist Financial (TFC) at 4.17% delivers top-quartile income for its industry, while JPMorgan Chase (JPM) at 1.82% pays a more typical yield — both are credible income propositions, TFC the richer one.

JPM

Banks industry group

1.82%

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

TFC

Banks industry group

4.17%

Max
5.79%
TFC
4.17%
Q3
3.18%
Median
2.39%
Q1
1.20%
Min
0.00%
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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

JPMorgan Chase (JPM) at 25.80% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.

JPM

Banks industry group

25.80%

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

TFC

Banks industry group

53.61%

Max
70.75%
TFC
53.61%
Q3
41.28%
Median
29.26%
Q1
18.98%
Min
0.00%
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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
Dividend Yield (TTM)1.82%4.17%
Dividend Payout Ratio (TTM)25.80%53.61%

Valuation

P/E Ratio (TTM)

Truist Financial (TFC) at 12.73 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

TFC

Banks industry group

12.73

Max
18.16
Q3
13.75
TFC
12.73
Median
11.81
Q1
10.64
Min
6.49
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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both JPMorgan Chase (JPM) in Banks and Truist Financial (TFC) 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)

Truist Financial (TFC) at 1.06 sits in the lower P/B ratio quartile relative to book while JPMorgan Chase (JPM) at 2.53 prices above its industry range — a wide valuation gap against assets.

JPM

Banks industry group

2.53

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

TFC

Banks industry group

1.06

Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
TFC
1.06
Min
0.59
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JPMorgan Chase (JPM) vs. Truist Financial (TFC): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for JPMorgan Chase (JPM) and Truist Financial (TFC)
MetricJPMTFC
P/E Ratio (TTM)14.0312.73
P/S Ratio (TTM)----
P/B Ratio (MRQ)2.531.06
Free Cash Flow Yield (TTM)----