JPM vs MS Stock Comparison: AI Score, Valuation, Performance and Upside
JPMorgan and Morgan Stanley are both major US financial institutions, but JPMorgan operates a broadly diversified universal banking model spanning consumer, commercial, and investment banking, while Morgan Stanley is more concentrated in investment banking, institutional securities, and a large, growing wealth management business.
JPMorgan offers diversified exposure across the full banking spectrum with scale advantages, while Morgan Stanley offers more concentrated exposure to wealth management fee income and investment banking, with less traditional consumer/commercial lending diversification. Consider whether you prefer JPMorgan's universal banking diversification or Morgan Stanley's wealth-management-and-investment-banking focus.
MS holds the edge across 3 of 5 key metrics in this comparison. MS has delivered stronger 1-year price return (+47.02% vs +21.83%), though JPM has the better forward P/E setup (14.30x vs 15.75x for MS). JPM leads on both revenue growth (30.40%) and operating margin (50.39%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for MS (+10.17%) than for JPM (+4.74%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want diversified exposure across consumer banking, commercial banking, and investment banking
- Value scale and balance sheet strength as competitive advantages in lending and capital markets
- Prefer a bank with less reliance on any single business line for overall earnings
- Believe strong capital generation will continue supporting robust buybacks and dividends
- Want concentrated exposure to wealth management fee income and investment banking advisory
- Value the more stable, recurring revenue characteristics of a growing wealth management business
- Are comfortable with less diversification into traditional consumer and commercial lending
- Believe continued growth in assets under management will drive fee revenue expansion
| Metric | JPM | MS |
|---|---|---|
| AI scorei | 58.7 | 65.6 |
| AI ranki | #201 | #70 |
| Latest closei | $358.64 | $217.72 |
| 1M returni | +0.31% | +0.64% |
| 6M returni | +23.70% | +35.69% |
| 1Y returni | +21.83% | +47.02% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | JPM | MS |
|---|---|---|
| 1Y ago | $12.24K (+22.4%) started 2025-09-08 | $14.63K (+46.3%) started 2025-09-08 |
| 5Y ago | $27.75K (+177.5%) started 2021-09-09 | $27.38K (+173.8%) started 2021-09-09 |
| 10Y ago | $89.44K (+794.4%) started 2016-09-09 | $117.73K (+1077.3%) started 2016-09-09 |
Hypothetical — past performance does not guarantee future results.
| Metric | JPM | MS |
|---|---|---|
| Market capi | $950.62B | $337.31B |
| Trailing P/Ei | 15.32 | 17.36 |
| Forward P/Ei | 14.30 | 15.75 |
| Price/Salesi | 4.38 | 3.31 |
| EV/Revenuei | 4.23 | 2.78 |
| Analyst targeti | $374.57 | $236.62 |
| Target upsidei | +4.74% | +10.17% |
| Metric | JPM | MS |
|---|---|---|
| Revenue growthi | 30.40% | 28.00% |
| Earnings growthi | 46.90% | 62.40% |
| EPS growthi | +46.90% | +62.40% |
| FCF margini | N/A | N/A |
| Operating margini | 50.39% | 41.57% |
| Profit margini | 34.92% | 25.90% |
| ROIC proxyi | 17.79% | 17.97% |
| Return on equityi | 17.79% | 17.97% |
| Dividend yieldi | 1.68% | 2.14% |
| Betai | 0.98 | 1.21 |
| Debt/equityi | N/A | 517.28 |
| Current ratioi | N/A | 2.00 |
| Quick ratioi | N/A | 1.60 |
Over the past year, JPM and MS have moved moderately in the same direction (correlation of 0.64), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | JPM | MS |
|---|---|---|---|
| 1Y | Growthi | +22.44% | +46.33% |
| CAGRi | +22.49% | +46.44% | |
| Volatilityi | 22.04% | 27.97% | |
| Sharpe ratioi | 0.83 | 1.35 | |
| Sortino ratioi | 1.16 | 1.98 | |
| Max drawdowni | 15.47% | 19.28% | |
| Current drawdowni | 1.79% | 4.74% | |
| Avg drawdowni | 5.02% | 4.37% | |
| Ulcer Indexi | 6.65% | 6.42% | |
| Max daily dropi | 4.66% | 6.19% | |
| Max wkly dropi | 7.09% | 8.42% | |
| 5Y | Growthi | +149.32% | +138.75% |
| CAGRi | +20.06% | +19.02% | |
| Volatilityi | 24.40% | 28.91% | |
| Sharpe ratioi | 0.69 | 0.59 | |
| Sortino ratioi | 0.99 | 0.86 | |
| Max drawdowni | 38.77% | 32.38% | |
| Current drawdowni | 1.79% | 4.74% | |
| Avg drawdowni | 9.74% | 10.59% | |
| Ulcer Indexi | 13.69% | 13.56% | |
| Max daily dropi | 7.48% | 9.51% | |
| Max wkly dropi | 13.76% | 13.51% | |
| 10Y | Growthi | +583.38% | +786.73% |
| CAGRi | +21.20% | +24.40% | |
| Volatilityi | 27.34% | 31.41% | |
| Sharpe ratioi | 0.68 | 0.71 | |
| Sortino ratioi | 0.99 | 1.05 | |
| Max drawdowni | 43.63% | 51.33% | |
| Current drawdowni | 1.79% | 4.74% | |
| Avg drawdowni | 8.87% | 11.00% | |
| Ulcer Indexi | 13.15% | 14.59% | |
| Max daily dropi | 14.96% | 15.60% | |
| Max wkly dropi | 23.11% | 26.49% |
| Category | JPM | MS |
|---|---|---|
| Company | JPMorgan Chase & Co. | Morgan Stanley |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Capital Markets |
| Core business | The largest US bank by assets, operating a universal banking model spanning consumer banking, commercial banking, investment banking, and asset and wealth management. | A global financial services firm focused on investment banking, institutional securities trading, and a large, growing wealth and investment management business built partly through acquisitions. |
| Investor focus | Net interest income trends, investment banking fee revenue, credit quality across consumer and commercial loan books, and capital return (buybacks and dividends). | Wealth management assets under management (AUM) growth and fee revenue, investment banking deal activity, and margin expansion in wealth management. |
- Diversified universal banking model across consumer, commercial, and investment banking reduces reliance on any single business line
- Scale and balance sheet strength provide competitive advantages in lending and investment banking market share
- Consistently strong profitability and capital generation supporting robust capital return programs
- Large, growing wealth management business provides more stable, fee-based recurring revenue than pure trading businesses
- Strong position in investment banking advisory and underwriting for institutional clients
- Diversification between wealth management fee income and more cyclical institutional securities revenue
- Net interest income is sensitive to interest rate changes and the shape of the yield curve
- Credit quality across consumer and commercial loan portfolios can deteriorate in economic downturns
- Regulatory capital requirements for large systemically important banks can constrain capital flexibility
- Investment banking and trading revenue can be volatile, tied to capital markets activity and deal flow cycles
- Wealth management growth depends partly on market performance affecting assets under management
- Smaller consumer/commercial banking presence than JPMorgan, limiting diversification into traditional lending
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Full valuation workup with AI Score, Monte Carlo forecast, and bull/bear case — free preview, premium data from $3.99.