JPM vs SCHW Stock Comparison
SCHW currently leads JPM in this stock comparison, with AIQ scores of 54 vs 52. The clearest difference is quality, while JPM has the stronger momentum profile.
What is the main difference between JPM and SCHW?
SCHW leads the current stock comparison as The Charles Schwab Corporation, with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
JPMorgan Chase & Co. vs The Charles Schwab Corporation
SCHW leads
SCHW leads by 2 AIQ points, primarily on Quality and Risk Resilience, but the lead has narrowed from 5 points over 30 sessions.
Fragile: 3 of 6 evidence groups support SCHW, its lead is narrowing, and its current signal state is conflicted.
JPMorgan Chase & Co.
The Charles Schwab Corporation
The Algovestiq AIQ Score currently favors SCHW over JPM, 54 versus 52 as of Oct 21, 2026. SCHW's advantage is driven primarily by stronger quality and risk resilience, while JPM holds the stronger momentum profile. SCHW also shows the weaker technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor SCHW today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. SCHW lead: Weakening — the AIQ differential moved from 5 to 2 points over 30 sessions.
Compare JPMorgan Chase & Co. and The Charles Schwab Corporation 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 SCHW against another ticker
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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.
- Quality46 vs 86SCHW +40
- Momentum58 vs 25JPM +33
- Value44 vs 37JPM +7
- Risk Resilience68 vs 75SCHW +7
3 of 6 evidence groups favor SCHW. SCHW’s edge is concentrated in quality and risk resilience; 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: Risk Resilience +3, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 3 active signals are unchanged.
SCHW's lead narrowed by 3 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — JPM and SCHW both carry a full feed there.
The central trade-off
SCHW (The Charles Schwab Corporation): the stronger current systematic profile, led by quality and risk resilience.
JPM (JPMorgan Chase & Co.): the counter-case, on momentum, value, valuation.
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
SCHWSCHW on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
SCHWSCHW on combined revenue and EPS growth.
Value
JPMJPM on the peer-relative Value factor, by 7 points.
Momentum
JPMJPM on the Momentum factor, by 33 points.
Lower downside
SCHWSCHW on Risk Resilience, by 7 points.
Analyst upside
SCHWSCHW 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 | SCHW | Note |
|---|---|---|---|
| Implied upside to target | +11.3% | +32.6% | SCHW has more room |
| Target dispersion | +32.2% | +41.1% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 15 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | JPM | SCHW |
|---|---|---|
| 5Y dividend CAGR | 9.04% | 8.45% |
| 2020 regular DPS | $3.600 | $0.720 |
| 2025 regular DPS | $5.550 | $1.080 |
| Years increased | 5 | 3 |
| No cut in window | Yes | Yes |
| Cohort rank | #120 | #133 |
JPM grew its split-adjusted regular dividend faster over 2020–2025 — 9.04% a year against SCHW's 8.45%. 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
3 of 6 covered evidence groups favor SCHW. 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 54 |
| Fundamentals | SCHW | revenue growth -7.6% vs -4.1%; EPS growth -27.6% vs 5.2%; TTM ROE 17.9% vs 28.1%; gross margin 63.2% vs 86.9%; operating margin 28.2% vs 44.3% |
| Valuation | JPM | Value 44 vs 37 |
| Technicals | JPM | Price vs 50-day -3.4% vs -11.7%; vs 200-day 4% vs -7.3% |
| Risk Resilience | SCHW | Risk Resilience 68 vs 75 |
| Analyst expectations | SCHW | Target upside 11.3% vs 32.6% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of JPM and SCHW 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 2 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- 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 SCHW.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20SCHW lead: Weakening — the AIQ differential moved from 5 to 2 points over 30 sessions.
- Today
- SCHW +2
- 52 vs 54
- 7 sessions ago
- SCHW +1
- 47 vs 48
- 30 sessions ago
- SCHW +5
- 43 vs 48
- 90 sessions ago
- SCHW +9
- 53 vs 62
The lead changed hands once in this window, most recently on Jun 23 when SCHW 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
- MACD Bullish Crossover — bullish, momentum, short horizon
1 bullish / 2 bearish, conflicted
Only SCHW
- Keltner Channel Breakdown — bearish, volatility, short horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
Both carry 1 more signal that do not separate them: Golden Cross Active.
SCHW 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).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.83%, AIQ 0 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 Quality gap — currently 40 points behind, the largest single contributor to SCHW's edge.
- 2JPM generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active.
- 3SCHW'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 3 points over 30 sessions, and a further 2-point move would eliminate SCHW'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
SCHW leads on balance| Metric | JPM | SCHW |
|---|---|---|
| Revenue growth (YoY) | -7.6% | -4.1% |
| EPS growth (YoY) | -27.6% | 5.2% |
| Gross margin | 63.2% | 86.9% |
| Operating margin | 28.2% | 44.3% |
| Return on equity (TTM) | 17.9% | 28.1% |
| Debt to equity | 3.32 | 0.14 |
Performance
JPM leads 6 of 6 windows| Metric | JPM | SCHW |
|---|---|---|
| 1 week (5 sessions) | 1.2% | -5.3% |
| 1 month (20 sessions) | -1.4% | -9.4% |
| 3 months (63 sessions) | -3.7% | -9.8% |
| 6 months (126 sessions) | 7.1% | -1.2% |
| Year to date | 4% | -9% |
| 1 year (252 sessions) | 12.3% | -2.7% |
Technicals
JPM has the stronger structure| Metric | JPM | SCHW |
|---|---|---|
| RSI (14) | 57.4 | 31.3 |
| ADX (14) | 20.5 | 37 |
| Price vs 50-day | -3.4% | -11.7% |
| Price vs 200-day | 4% | -7.3% |
| Volatility (1M, annualized) | 14.8% | 21% |
Risk
SCHW is the more resilient| Metric | JPM | SCHW |
|---|---|---|
| Beta | 0.75 | 0.42 |
| Sharpe ratio | 0.47 | -0.16 |
| Sortino ratio | 0.66 | -0.2 |
| Max drawdown | -15.5% | -21.2% |
| Current drawdown | -8.2% | -20% |
| Annualized volatility | 22.2% | 25.4% |
| Value at risk (95%) | -2.4% | -2.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, JPM or SCHW?
On the Algovestiq AIQ Score, SCHW is the stronger of the two as of Oct 21, 2026, scoring 54 against JPM's 52. The edge comes from quality and risk resilience. 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 SCHW the better buy right now?
SCHW carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 2 points. Treat the lead as provisional.
Why does the AIQ Score favor SCHW over JPM?
The composite weights Quality, Value, Momentum and Risk Resilience. SCHW leads Quality by 40 points; JPM leads Momentum by 33 points; JPM leads Value by 7 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, JPM or SCHW?
Analyst price targets imply +11.3% upside for JPM and +32.6% for SCHW, so the Street currently favors SCHW. 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 SCHW?
JPM is the better-valued of the two on the peer-relative Value factor. JPM on the peer-relative Value factor, by 7 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 SCHW?
SCHW 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 SCHW?
JPM on the Momentum factor, by 33 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 SCHW?
SCHW is the more resilient of the two, so the other name carries the higher downside risk. SCHW on Risk Resilience, by 7 points. 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 SCHW?
SCHW leads on the comparable margin measures — gross margin 63.2% vs 86.9%; operating margin 28.2% vs 44.3%; ttm roe 17.9% vs 28.1%.
Is SCHW's lead over JPM getting stronger or weaker?
SCHW lead: Weakening — the AIQ differential moved from 5 to 2 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 once in that window, most recently on 2026-06-23, when SCHW moved ahead of JPM.
What would change the JPM vs SCHW verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: JPM closes the Quality gap — currently 40 points behind, the largest single contributor to SCHW's edge; JPM generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active; SCHW'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 3 points over 30 sessions, and a further 2-point move would eliminate SCHW's advantage entirely.
What do the current signals say about JPM and SCHW?
JPM: 2 bullish / 0 bearish. SCHW: 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 SCHW it is Golden Cross Active (bullish, long horizon).
Compare JPM and SCHW 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.