JPM vs STNE Stock Comparison
JPM currently leads STNE in this stock comparison, with AIQ scores of 53 vs 52. The clearest difference is momentum, while STNE has the stronger value profile.
What is the main difference between JPM and STNE?
JPM leads the current stock comparison as JPMorgan Chase & Co., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
JPMorgan Chase & Co. vs StoneCo Ltd.
JPM leads
JPM leads by 1 AIQ points, primarily on Momentum and Risk Resilience, having only recently taken the lead back from STNE. Wall Street currently favors STNE on target upside.
Fragile: 2 of 6 evidence groups support JPM, the lead recently changed hands, and its current signal state is conflicted.
JPMorgan Chase & Co.
StoneCo Ltd.
The Algovestiq AIQ Score currently favors JPM over STNE, 53 versus 52 as of Oct 31, 2026. JPM's advantage is driven primarily by stronger momentum and risk resilience, while STNE holds the stronger value profile. JPM also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors STNE. 2 of 6 covered evidence groups favor JPM today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. JPM lead: Reversed — STNE led by 21 AIQ points 30 sessions ago; JPM now leads by 1.
Compare JPMorgan Chase & Co. and StoneCo Ltd. 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 STNE 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.
- Momentum61 vs 23JPM +38
- Risk Resilience69 vs 32JPM +37
- Value44 vs 75STNE +31
- Quality46 vs 63STNE +17
2 of 6 evidence groups favor JPM. JPM’s edge is concentrated in momentum and risk resilience; STNE keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum +2
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
Largest factor move: Momentum -1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 8 active signals are unchanged.
JPM's lead widened by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — JPM and STNE both carry a full feed there.
The central trade-off
JPM (JPMorgan Chase & Co.): the stronger current systematic profile, led by momentum and risk resilience.
STNE (StoneCo Ltd.): the counter-case, on value, quality, fundamentals — but at materially higher volatility, 91.3% against 13%.
The AIQ Score and Wall Street therefore point in different directions on this pair.
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
JPMJPM on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
JPMJPM on combined revenue and EPS growth.
Value
STNESTNE on the peer-relative Value factor, by 31 points.
Momentum
JPMJPM on the Momentum factor, by 38 points.
Lower downside
JPMJPM on Risk Resilience, by 37 points.
Analyst upside
STNESTNE on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors JPM, analyst targets favor STNE. That disagreement is the most useful thing on this page.
| Measure | JPM | STNE | Note |
|---|---|---|---|
| Implied upside to target | +10.7% | +79.4% | STNE has more room |
| Target dispersion | +32.2% | +17.3% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 3 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor JPM. 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 | 53 vs 52 |
| Fundamentals | STNEon balance | revenue growth -7.6% vs -6.7%; EPS growth -27.6% vs -73.7%; TTM ROE 17.9% vs 29.7%; gross margin 63.2% vs 72.4%; operating margin 28.2% vs 50% — STNE takes 4 of 5 decided legs, not all of them |
| Valuation | STNE | Value 44 vs 75 |
| Technicals | JPM | Price vs 50-day -2% vs -23.9%; vs 200-day 5.2% vs -33.5% |
| Risk Resilience | JPM | Risk Resilience 69 vs 32 |
| Analyst expectations | STNE | Target upside 10.7% vs 79.4% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of JPM and STNE 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 lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The lead has swung materially session to session. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (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 JPM.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28JPM lead: Reversed — STNE led by 21 AIQ points 30 sessions ago; JPM now leads by 1.
- Today
- JPM +1
- 53 vs 52
- 7 sessions ago
- STNE +10
- 50 vs 60
- 30 sessions ago
- STNE +21
- 44 vs 65
- 90 sessions ago
- STNE +4
- 52 vs 56
The lead changed hands 2 times in this window, most recently on Aug 19 when STNE 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 / 1 bearish, conflicted
Only JPM
- Golden Cross Active — bullish, trend, long horizon (6.57%)
- BB Upper Band Breach — bearish, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
2 bullish / 4 bearish / 2 neutral, conflicted
Only STNE
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Death Cross Active — bearish, trend, long horizon (20.12%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (7.30%)
- BB Lower Band Breach — bullish, volatility, short horizon
- Keltner Channel Breakdown — bearish, volatility, short horizon
- RSI Oversold - Potential Bounce — bullish, momentum, short horizon
- Downtrend Structure Active — bearish, trend, long horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
JPM 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.
Price is down while the AIQ Score moved up 1 points over the same session — price and model disagree (price -1.9%, AIQ +1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -3.12%, 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.
- 1STNE closes the Momentum gap — currently 38 points behind, the largest single contributor to JPM's edge.
- 2STNE's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3JPM's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
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
STNE leads on balance| Metric | JPM | STNE |
|---|---|---|
| Revenue growth (YoY) | -7.6% | -6.7% |
| EPS growth (YoY) | -27.6% | -73.7% |
| Gross margin | 63.2% | 72.4% |
| Operating margin | 28.2% | 50% |
| Return on equity (TTM) | 17.9% | 29.7% |
| Debt to equity | 3.32 | 1.81 |
Performance
JPM leads 6 of 6 windows| Metric | JPM | STNE |
|---|---|---|
| 1 week (5 sessions) | 1.2% | -27.4% |
| 1 month (20 sessions) | 2.6% | -13.4% |
| 3 months (63 sessions) | -3.3% | -29.2% |
| 6 months (126 sessions) | 9.7% | -25.4% |
| Year to date | 5.3% | -38.3% |
| 1 year (252 sessions) | 12.9% | -57.1% |
Technicals
JPM has the stronger structure| Metric | JPM | STNE |
|---|---|---|
| RSI (14) | 60.9 | 26.5 |
| ADX (14) | 15 | 30 |
| Price vs 50-day | -2% | -23.9% |
| Price vs 200-day | 5.2% | -33.5% |
| Volatility (1M, annualized) | 13% | 91.3% |
Risk
JPM is the more resilient| Metric | JPM | STNE |
|---|---|---|
| Beta | 0.73 | 1.46 |
| Sharpe ratio | 0.41 | -1.13 |
| Sortino ratio | 0.56 | -1.28 |
| Max drawdown | -15.5% | -58% |
| Current drawdown | -7.1% | -58% |
| Annualized volatility | 22% | 62.3% |
| Value at risk (95%) | -2.4% | -5.3% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, JPM or STNE?
On the Algovestiq AIQ Score, JPM is the stronger of the two as of Oct 31, 2026, scoring 53 against STNE's 52. The edge comes from momentum and risk resilience. STNE is not without a case — it holds the better value 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 STNE the better buy right now?
JPM carries the stronger systematic profile as of Oct 31, 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 JPM over STNE?
The composite weights Quality, Value, Momentum and Risk Resilience. JPM leads Momentum by 38 points; JPM leads Risk Resilience by 37 points; STNE leads Value by 31 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, JPM or STNE?
Analyst price targets imply +10.7% upside for JPM and +79.4% for STNE, so the Street currently favors STNE. That points the opposite way to the AIQ Score, which favors JPM. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, JPM or STNE?
STNE is the better-valued of the two on the peer-relative Value factor. STNE on the peer-relative Value factor, by 31 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 STNE?
JPM 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 STNE?
JPM on the Momentum factor, by 38 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 STNE?
JPM is the more resilient of the two, so the other name carries the higher downside risk. JPM on Risk Resilience, by 37 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 STNE?
STNE leads on the comparable margin measures — gross margin 63.2% vs 72.4%; operating margin 28.2% vs 50%; ttm roe 17.9% vs 29.7%.
Is JPM's lead over STNE getting stronger or weaker?
JPM lead: Reversed — STNE led by 21 AIQ points 30 sessions ago; JPM now leads by 1. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 2 times in that window, most recently on 2026-08-19, when STNE moved ahead of JPM.
What would change the JPM vs STNE verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: STNE closes the Momentum gap — currently 38 points behind, the largest single contributor to JPM's edge; STNE's Death Cross Active resolves — a bearish trend rule currently active against it; JPM's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about JPM and STNE?
JPM: 2 bullish / 1 bearish, conflicted. STNE: 2 bullish / 4 bearish / 2 neutral, 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 STNE it is Death Cross Active (bearish, long horizon).
Compare JPM and STNE with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
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.