JPM vs PHM Stock Comparison
PHM currently leads JPM in this stock comparison, with AIQ scores of 53 vs 52. The clearest difference is value, while JPM has the stronger momentum profile.
What is the main difference between JPM and PHM?
PHM leads the current stock comparison as PulteGroup, Inc., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
JPMorgan Chase & Co. vs PulteGroup, Inc.
PHM leads
PHM leads by 1 AIQ points, primarily on Value and Quality, but the lead has narrowed from 11 points over 30 sessions.
Fragile: 2 of 6 evidence groups support PHM, its lead is narrowing, and its current signal state is conflicted.
JPMorgan Chase & Co.
PulteGroup, Inc.
The Algovestiq AIQ Score currently favors PHM over JPM, 53 versus 52 as of Oct 22, 2026. PHM's advantage is driven primarily by stronger value and quality, while JPM holds the stronger momentum profile. PHM also shows the weaker technical structure relative to its 50-day moving average. 2 of 6 covered evidence groups favor PHM today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. PHM lead: Weakening — the AIQ differential moved from 11 to 1 points over 30 sessions.
Compare JPMorgan Chase & Co. and PulteGroup, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare JPM and PHM against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum58 vs 40JPM +18
- Value44 vs 56PHM +12
- Quality46 vs 53PHM +7
- Risk Resilience68 vs 70Even
2 of 6 evidence groups favor PHM. PHM’s edge is concentrated in value and quality; JPM keeps a meaningful momentum edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 2 active signals are unchanged.
Largest factor move: Momentum +11
No signal started or stopped since the prior session; its 3 active signals are unchanged.
PHM's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — JPM and PHM both carry a full feed there.
The central trade-off
PHM (PulteGroup, Inc.): the stronger current systematic profile, led by value and quality.
JPM (JPMorgan Chase & Co.): the counter-case, on momentum, fundamentals, technicals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
PHMPHM on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
PHMPHM on combined revenue and EPS growth.
Value
PHMPHM on the peer-relative Value factor, by 12 points.
Momentum
JPMJPM on the Momentum factor, by 18 points.
Lower downside
JPMJPM carries the lower 1-month annualized volatility.
Analyst upside
PHMPHM on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | JPM | PHM | Note |
|---|---|---|---|
| Implied upside to target | +11.3% | +21% | PHM has more room |
| Target dispersion | +32.2% | +41% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 11 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | JPM | PHM |
|---|---|---|
| 5Y dividend CAGR | 9.04% | 12.97% |
| 2020 regular DPS | $3.600 | $0.500 |
| 2025 regular DPS | $5.550 | $0.920 |
| Years increased | 5 | 5 |
| No cut in window | Yes | Yes |
| Cohort rank | #120 | #52 |
PHM grew its split-adjusted regular dividend faster over 2020–2025 — 12.97% a year against JPM's 9.04%. Neither company reduced its regular dividend in any year of the window.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor PHM. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 52 vs 53 |
| Fundamentals | JPMon balance | revenue growth -7.6% vs 16.9%; EPS growth -27.6% vs 35.9%; TTM ROE 17.9% vs 14.7%; gross margin 63.2% vs 24.5%; operating margin 28.2% vs 14.6% — JPM takes 3 of 5 decided legs, not all of them |
| Valuation | PHM | Value 44 vs 56 |
| Technicals | JPM | Price vs 50-day -3.4% vs -6.4%; vs 200-day 4% vs -7.8% |
| Risk Resilience | Even | Risk Resilience 68 vs 70 |
| Analyst expectations | PHM | Target upside 11.3% vs 21% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of JPM and PHM and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 1 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
- Signal direction runs against the verdict: the leader is net-bearish while the laggard is net-bullish. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on PHM.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20PHM lead: Weakening — the AIQ differential moved from 11 to 1 points over 30 sessions.
- Today
- PHM +1
- 52 vs 53
- 7 sessions ago
- PHM +3
- 47 vs 50
- 30 sessions ago
- PHM +11
- 43 vs 54
- 90 sessions ago
- PHM +3
- 53 vs 56
The lead changed hands 10 times in this window, most recently on Sep 16 when PHM moved ahead of JPM.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 0 bearish
Only JPM
- Golden Cross Active — bullish, trend, long horizon (7.65%)
1 bullish / 2 bearish, conflicted
Only PHM
- Death Cross Active — bearish, trend, long horizon (2.97%)
- Downtrend Structure Active — bearish, trend, long horizon
Both carry 1 more signal that do not separate them: MACD Bullish Crossover.
PHM leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.02%, AIQ +3 points).
Price is down while the AIQ Score moved up 3 points over the same session — price and model disagree (price -1.43%, AIQ +3 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1JPM closes the Value gap — currently 12 points behind, the largest single contributor to PHM's edge.
- 2JPM generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active.
- 3PHM's conflicting signal state resolves bearish — it currently carries 1 bullish and 2 bearish rules at once.
- 4The narrowing continues — the lead has already given back 10 points over 30 sessions, and a further 1-point move would eliminate PHM's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
JPM leads on balance| Metric | JPM | PHM |
|---|---|---|
| Revenue growth (YoY) | -7.6% | 16.9% |
| EPS growth (YoY) | -27.6% | 35.9% |
| Gross margin | 63.2% | 24.5% |
| Operating margin | 28.2% | 14.6% |
| Return on equity (TTM) | 17.9% | 14.7% |
| Debt to equity | 3.32 | 0.18 |
Performance
JPM leads 5 of 6 windows| Metric | JPM | PHM |
|---|---|---|
| 1 week (5 sessions) | 1.2% | 2.6% |
| 1 month (20 sessions) | -1.4% | -6.3% |
| 3 months (63 sessions) | -3.7% | -9.6% |
| 6 months (126 sessions) | 7.1% | -11% |
| Year to date | 4% | -2.3% |
| 1 year (252 sessions) | 12.3% | -7.5% |
Technicals
JPM has the stronger structure| Metric | JPM | PHM |
|---|---|---|
| RSI (14) | 57.4 | 47 |
| ADX (14) | 20.5 | 18.3 |
| Price vs 50-day | -3.4% | -6.4% |
| Price vs 200-day | 4% | -7.8% |
| Volatility (1M, annualized) | 14.8% | 29.5% |
Risk
Split| Metric | JPM | PHM |
|---|---|---|
| Beta | 0.75 | 0.95 |
| Sharpe ratio | 0.47 | -0.21 |
| Sortino ratio | 0.66 | -0.41 |
| Max drawdown | -15.5% | -23.3% |
| Current drawdown | -8.2% | -19.7% |
| Annualized volatility | 22.2% | 32.8% |
| Value at risk (95%) | -2.4% | -3.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, JPM or PHM?
On the Algovestiq AIQ Score, PHM is the stronger of the two as of Oct 22, 2026, scoring 53 against JPM's 52. The edge comes from value and quality. JPM is not without a case — it holds the better momentum profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is JPM or PHM the better buy right now?
PHM carries the stronger systematic profile as of Oct 22, 2026, and the comparison is rated Fragile — 2 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 1 points. Treat the lead as provisional.
Why does the AIQ Score favor PHM over JPM?
The composite weights Quality, Value, Momentum and Risk Resilience. JPM leads Momentum by 18 points; PHM leads Value by 12 points; PHM leads Quality by 7 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, JPM or PHM?
Analyst price targets imply +11.3% upside for JPM and +21% for PHM, so the Street currently favors PHM. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, JPM or PHM?
PHM is the better-valued of the two on the peer-relative Value factor. PHM on the peer-relative Value factor, by 12 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, JPM or PHM?
PHM on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, JPM or PHM?
JPM on the Momentum factor, by 18 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, JPM or PHM?
JPM is the more resilient of the two, so the other name carries the higher downside risk. JPM carries the lower 1-month annualized volatility. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is JPM more profitable than PHM?
JPM leads on the comparable margin measures — gross margin 63.2% vs 24.5%; operating margin 28.2% vs 14.6%; ttm roe 17.9% vs 14.7%.
Is PHM's lead over JPM getting stronger or weaker?
PHM lead: Weakening — the AIQ differential moved from 11 to 1 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 10 times in that window, most recently on 2026-09-16, when PHM moved ahead of JPM.
What would change the JPM vs PHM verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: JPM closes the Value gap — currently 12 points behind, the largest single contributor to PHM's edge; JPM generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active; PHM's conflicting signal state resolves bearish — it currently carries 1 bullish and 2 bearish rules at once; the narrowing continues — the lead has already given back 10 points over 30 sessions, and a further 1-point move would eliminate PHM's advantage entirely.
What do the current signals say about JPM and PHM?
JPM: 2 bullish / 0 bearish. PHM: 1 bullish / 2 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on JPM is Golden Cross Active (bullish, long horizon). On PHM it is Death Cross Active (bearish, long horizon).
Compare JPM and PHM with others
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How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.