JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and large corporations, as well as investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

JP Morgan Chase & Co.

Key Points
SoFi continues to add record numbers of customers to its platform.
It's growing much faster than the traditional, large banks.
Robinhood's platform has a high level of exposure to cryptocurrency trends.
2025 was definitely Robinhood Markets' (NASDAQ: HOOD) year. It ended 2025 up more than 200%, capping off a three-year gain of 1,000%.
However, after a hitting a high in October, it's been dropping, and it's down 23% over the past three months. Investors have several concerns, including the company's dependence on cryptocurrency and its high valuation, so now may not be the right time to buy shares.
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If you're looking for an excellent financial stock to buy in 2026, SoFi Technologies (NASDAQ: SOFI) is worth a look. Here's why.
SoFi hasn't been a slouch, either
SoFi reported robust growth last year, and it's becoming more profitable at scale. It created new records for customer add-ons for each of the first three quarters, with more than 900,000 new accounts in the 2025 third quarter.
These are primarily high-quality customers who are starting out as professionals and come with years of growth opportunities. Indeed, 90% of SoFi Money deposits are direct deposit, which means they're likely coming out of customer salary checks, and as this younger cohort moves in their careers, those deposits are likely to increase.
Consider SoFi's asset growth over the past five years versus the five largest U.S. banks by assets, which include JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, and U.S. Bank:
And SoFi still has a fraction of these banks' assets, giving it a great growth runway.
Management is aiming to keep the momentum through a varied growth strategy that goes beyond attracting new customers. It's constantly adding new products and services to its platform, and it's hoping to cross-sell new products to its existing consumer base as customers age and their financial needs increase.
Why SoFi's trajectory is less risky
SoFi stock gained 70% in 2025. That's a strong gain that still outperformed the market, even if it weren't quite as superb as Robinhood stock. However, it's a safer gain because its model is less susceptible to market volatility, and it has less exposure to cryptocurrency.
SoFi's growth is coming from more reliable revenue streams, even though it also embraces innovation. It's much more than a trading platform, and it appeals to a much broader swath of the population: people who are looking for easy-to-use, digital financial services. That's why I recommend it as an excellent financial stock to buy in 2026.
Should you buy stock in SoFi Technologies right now?
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Citigroup is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Jennifer Saibil has positions in SoFi Technologies. The Motley Fool has positions in and recommends JPMorgan Chase and U.S. Bancorp. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Robinhood Soared by 204% in 2025, but Here's Another Financial Stock to Buy in 2026

Bank Profits Rise Amid Credit Card Uncertainty

Following a decent 2025 net interest income (NII) performance, JPMorgan JPM expects the momentum to continue this year. In 2025, the Federal Reserve lowered interest rates by 75 basis points (bps), following a 50-bp cut in 2024. Despite this, the bank reported a 3% rise in 2025 NII, driven by 11% loan growth and lower funding costs.
Building on this, JPMorgan expects NII in 2026 to be approximately $103 billion, or up more than 7% year over year. It assumes two rate cuts, interest on reserve balance (IORB) falling about 92 bps year over year and deposit margin compression as headwinds. To counter that, the company points to modest improvement in Consumer and Wholesale deposit balances. Further, higher-yielding revolving card balances are expected to help cushion NII as benchmark rates drift lower, particularly if funding costs stay contained.
A part of the lift is likely to come from Markets NII. JPM pegs 2026 NII, excluding Markets, at roughly $95 billion, implying Markets NII of around $8 billion, an area that can be more variable than the core lending-and-deposit engine.
2026 NII Expectation
Image Source: JPMorgan Chase & Co.
On the other hand, Bank of America BAC expects 2026 NII to rise 5-7% year over year, following 7% increase in 2025. The company continues to benefit from a supportive rate backdrop, productivity gains from technology investments and the earnings resilience of a diversified franchise. Also, Citigroup C guides 5-6% NII growth for 2026, after delivering 11% year-over-year growth in 2025. The bank’s outlook is underpinned by a steadier rate environment and constructive balance sheet trends.
Coming back to JPMorgan, on Jan. 7, it signed an agreement to become the new issuer of the Apple Card, which has approximately $20 billion in receivables. While the deal will strengthen the bank’s position in the credit card operation, the phased transition (expected to be over in two years and subject to regulatory approvals) is unlikely to impact the company’s NII this year to a great extent.
Another factor to watch is the proposed cap on the credit card interest rates at 10%. Although nothing has been finalized, JPMorgan’s NII could be pressured by compressing yields on high-margin revolving balances, a major growth driver in its NII outlook. On the conference call with analysts, the bank’s Chief Financial Officer, Jeremy Barnum, said, "If it were to happen, it would be very bad for consumers, very bad for the economy.” The company could respond by tightening credit and limiting balance growth, which would further weigh on NII.
Moreover, with Markets expected to contribute meaningfully to drive NII in 2026, the path will hinge on interest rates, deposit competition and trading-related balance sheet dynamics.
Hence, before making any investment decision, let’s take a closer look at the other factors that are likely to influence JPMorgan’s fundamentals and growth prospects.
JPM’s Fee Income to Witness More Upside From Lower Rates
The shift toward easier monetary policy will support client activity, deal flow and asset values. Thus, JPMorgan’s non-interest income streams will likely see robust improvement.
Underwriting & Advisory Fees: Lower borrowing costs will continue to support corporate financing activity and encourage debt issuance, M&As and equity offerings. After a muted deal-making environment in 2022 and 2023, rate cuts along with clarity on other macro factors have sparked a solid resurgence in capital markets, boosting JPMorgan’s advisory and underwriting fees. The company continues to rank #1 for global IB fees, garnering a wallet share of 8.4% in 2025. Looking ahead, while persistent macroeconomic and geopolitical uncertainty remains a key risk, a healthy deal pipeline, resilient M&A demand and JPMorgan’s leadership position it for stronger IB fee growth as macro conditions become more supportive.
Markets Revenues (FICC & Equities): Rate transitions often fuel volatility in fixed income, currencies and commodities. Thus, JPMorgan, with the industry’s leading trading desk, stands to gain from increased client hedging and speculative activity. Equities trading is also expected to benefit from higher volumes as investors reposition portfolios for a lower-rate environment. While structural normalization in trading activity is inevitable over time, the bank’s broad product coverage positions it to capture upside during volatility spikes.
Wealth & Asset Management Fees: Declining yields generally push investors to equities and alternative assets. JPMorgan’s asset management business benefits from rising assets under management (AUM) and higher fee revenues as markets rally. Stronger investor sentiment is expected to drive inflows into the company’s private banking and wealth platforms.
JPMorgan’s Branch Openings & Opportunistic Acquisitions
With 5,083 branches as of Dec. 31, 2025, more than any other U.S. bank and a presence in all 48 contiguous states, JPM continues to invest in brick-and-mortar to strengthen its competitive edge in relationship banking, despite the digital shift. In 2024, JPMorgan opened nearly 150 branches and plans to add 500 more by 2027 to deepen relationships and boost cross-selling across mortgages, loans, investments and credit cards.
JPMorgan isn’t alone in branch expansion. Bank of America is growing its financial center network, with plans to open 150 more centers by 2027, despite most interactions being digital.
Additionally, JPMorgan has expanded through strategic acquisitions, including a larger stake in Brazil’s C6 Bank, partnerships with Cleareye.ai and Aumni, and the 2023 purchase of First Republic Bank. These moves boosted profits and supported its strategy to diversify revenues and grow digital and fee-based offerings.
JPMorgan’s Fortress Balance Sheet and Solid Liquidity
As of Dec. 31, 2025, JPM had a total debt of $500 billion (the majority of this is long-term in nature). The company's cash and due from banks and deposits with banks were $343.3 billion on the same date. The company maintains long-term issuer ratings A-/AA-/A1 from Standard and Poor’s, Fitch Ratings and Moody’s Investors Service, respectively.
Hence, JPMorgan continues to reward shareholders handsomely. It cleared the 2025 stress test impressively and announced an increase in its quarterly dividend by 7% to $1.50 per share, as well as authorized a new share repurchase program worth $50 billion. As of Dec. 31, 2025, almost $33.8 billion in authorization remained available.
This was the second time that JPMorgan hiked its quarterly dividends in 2025. In March, it raised its quarterly dividend by 12% to $1.40 per share. In the last five years, it hiked dividends six times, with an annualized growth rate of 10.05%.
Similar to JPM, Bank of America and Citigroup cleared the 2025 stress test. Following this, Bank of America raised its quarterly dividend 8% to 28 cents per share and authorized a new $40 billion share repurchase program. Citigroup also announced a dividend hike of 7% to 60 cents per share. It is continuing with the previously announced buyback plan, which had $6.8 billion worth of authorization remaining as of Dec. 31, 2025.
JPMorgan’s Asset Quality
Lower rates will likely support JPMorgan's asset quality, as declining rates will ease debt-service burdens and improve borrower solvency. The overall effect is expected to be moderate and vary by loan segment and macro conditions. Variable-rate consumer and leveraged corporate portfolios might see the most direct benefit, reflecting the lower risk of near-term credit losses as rates fall.
JPMorgan expects that lower rates will help stabilize or even modestly improve overall credit performance, especially in consumer and corporate loan books, as long as the U.S. economy remains resilient. Hence, JPMorgan expects the card service NCO rate to be roughly 3.4% “on favorable delinquency trends driven by the continued resilience of the consumer.”
Does JPMorgan Stock Deserve a Place in Your Portfolio?
JPMorgan stock currently trades at a discount to the industry. The stock is currently trading at a price-to-book (P/B) of 2.39X, slightly below the industry’s 2.44X. Further, the company’s P/B ratio is lower than its high over the past five years, reflecting some level of undervalued trading compared with historical norms.
JPM’s P/B
Image Source: Zacks Investment Research
On the other hand, if we compare JPMorgan’s current valuation with Bank of America and Citigroup, it appears expensive. At present, Bank of America has a P/B of 1.37X, while Citigroup is trading at a P/B of 1.06X.
Additionally, in the past year, shares of JPMorgan have gained 12.7% compared with a 18% rise for the S&P 500 Index. Meanwhile, Bank of America and Citigroup have gained 11.6% and 42.4%, respectively, in the same time frame.
One-Year Price Performance
Image Source: Zacks Investment Research
Earnings estimates for JPMorgan for 2025 and 2026 have been revised upward over the past month. The positive estimate revision depicts bullish analyst sentiments for the stock. The Zacks Consensus Estimate for JPM’s 2026 and 2027 earnings implies a 4.9% and 7.8% year-over-year increase, respectively.
Earnings Estimates
Image Source: Zacks Investment Research
Despite this year’s impressive NII growth projection, non-interest income upside and manageable credit quality, weak earnings prospects suggest a steep rise in non-interest expenses. Management expects adjusted non-interest expense to be $105 billion for this year, up more than 9% from 2025.
The jump will likely be primarily due to an increase in growth and volume-related spending (like compensation costs, costs for branching/expansion and costs related to credit card business growth), along with an increase in expenses related to investments in technology and AI. Further, structural inflation-related costs like higher real estate and general operating overhead expenses will result in a rise in overall expenses.
Nonetheless, JPMorgan remains well-placed for growth backed by its robust capital markets business, dominant IB position, solid NII growth expectations and continued expansion through branch openings and strategic plans. The company’s size, diversification, track record and recent performance make it a reasonable core holding for a multi-year horizon.
However, you must keep an eye on interest-rate moves, macroeconomic headwinds and the banking sector broadly, because these could sway valuations and price movement more than the company’s individual performance. If you own this Zacks Rank #3 (Hold) stock, retain it, while others may wait for a better entry point. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

JPMorgan's 2026 NII Guide Signals Resilience: Is JPM Stock a Buy Now?

Bank of America’s BAC loan book expanded again in the fourth quarter of 2025, and the composition is telling. Commercial balances drove most of the growth, while consumer lending was more selective.
As of Dec. 31, 2025, average total loans and leases rose 8% year over year to $1.17 trillion.
Average Total Loans and Leases by Portfolio ($B)
Image Source: Bank of America Corp.
Commercial loans accounted for the majority of quarterly momentum, up 12% from the prior-year period. Growth was split between U.S. and non-U.S. commercial exposures, suggesting demand is not concentrated in a single geography. That mix matters because commercial lending tends to be more rate- and cycle-sensitive than prime consumer categories, supportive for revenues in a steady macro backdrop, but more exposed if business activity cools.
Consumer balances increased a modest 4% year over year, with credit cards and direct/indirect consumer lending doing most of the work. The subdued pace points to cautious household borrowing appetite, even with resilient growth, as uncertainty around policy and inflation-sensitive expenses keeps big-ticket borrowing in check.
Looking ahead, faster rate cuts could compress Bank of America’s net interest income (NII) even as they revive refinancing and stimulate loan demand. Credit is another swing factor: rising delinquencies could prompt tighter underwriting or slower growth. Sustaining commercial momentum depends on business confidence (capex and working-capital needs) along with clarity on the macro and policy path.
The next few quarters will hinge on whether commercial demand stays firm as rates move lower and whether credit costs remain contained. If loan growth holds without a meaningful uptick in delinquencies or reserve builds, BAC’s mix will likely support earnings even in a softer NII backdrop.
Where Do BAC’s Peers Stand in Terms of Loan Composition?
The two closest peers of BAC are JPMorgan JPM and Citigroup C.
As of Dec. 31, 2025, JPMorgan’s loan mix leaned toward wholesale. Total loans were $1.49 trillion, with wholesale loans at $843 billion (up 17% year over year) versus $650 billion in consumer loans (up 4%). Like BAC, JPMorgan’s consumer loan book leaned toward credit cards. On the whole, the company’s loan growth was clearly led by wholesale lending.
Citigroup ended the fourth quarter of 2025 with $752 billion of loans, comprising $409 billion in consumer and $344 billion in corporate portfolio. Specifically, corporate loans grew faster (14% year over year), led by Markets and Services, while Banking corporate loans declined. On the other hand, Citigroup’s consumer loan portfolio increased 4%, with U.S. Personal Banking rising 5% and All Others jumping 12%.
Bank of America’s Price Performance, Valuation & Estimates
Shares of Bank of America have risen 7.9% over the past six months.
Six-Month Price Performance
Image Source: Zacks Investment Research
From a valuation standpoint, Bank of America trades at a 12-month trailing price-to-tangible book (P/TB) of 1.89X, below the industry.
P/TB Ratio
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for Bank of America’s 2026 and 2027 earnings implies year-over-year growth of 13.1% and 14.4%, respectively. In the past month, earnings estimates for 2026 and 2027 have been revised lower.
Earnings Estimates
Image Source: Zacks Investment Research
Bank of America currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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Bank of America's Q4 Loan Growth Snapshot: The Mix Matters

Key Points
Data center cooling specialist Vertiv solves a problem the AI data center industry didn’t fully anticipate.
Digital Realty Trust is in infrastructure space, but growth isn’t the only thing this unique ticker offers its shareholders.
Unprofitable Nebius is apt to remain volatile for the foreseeable future, but a recently won contract speaks volumes about just how capable it is.
As much as the artificial intelligence (AI) industry has grown just since the late-2022 launch of ChatGPT, it's still only a fraction of what it's likely to become.
Analysts with Cathie Wood's Ark Invest family of exchange-traded funds (ETFs) predict spending on AI infrastructure -- data centers, mostly -- is set to soar from last year's $500 billion to $1.4 trillion in 2030, jibing with an outlook from JPMorgan. That's annualized growth of more than 20%, offering investors an opportunity that's just too good to pass up.
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But which stocks are best positioned to benefit from the industry's expansion? Probably not AI chipmaker Nvidia or its hardware peers; their very highest-growth days are arguably behind them. From here, it's the names building these AI data centers with the most to gain.
With that as the backdrop, here are three to consider adding to your portfolio this year.
1. Vertiv
Vertiv (NYSE: VRT) isn't a data center stock per se. But data centers of the future will look considerably different -- for the better -- than they do now because of this company.
In short, Vertiv helps AI data centers handle the massive amount of heat their equipment creates.
It's always been a problem for any computer equipment, initially solved with simple fans and adequate air conditioning. As computing processors and racks of tethered motherboards have become more powerful and densely packed, their heat output increasingly risks permanent damage to this equipment. That's why Global Market Insights predicts the worldwide data center cooling market is set to grow at an average pace of more than 10% per year through 2034, led by the liquid-cooling solutions of the business, according to an outlook from Precedence Research.
This projection plays right into the heart of Vertiv's portfolio of offerings. Although it offers a range of conventional HVAC-style solutions, its flagship profit center is liquid cooling. Indeed, just earlier this month it unveiled a new modular liquid-cooling solution (called the MegaMod HDX) that combines direct-to-chip liquid cooling with air-cooled architectures, providing the flexibility that more and more data center operators want.
Cooling isn't all Vertiv does, for the record. The company also offers a range of power-management solutions like battery storage and distribution solutions that are also incredibly efficient, putting the company squarely in a business that Precedence expects to swell from less than $9 billion per year now to more than $16 billion in 2035.
In other words, Vertiv is very much in the right place at the right time. That's why its top line is up nearly 30% through the first three quarters of 2025, with profits more than doubling during this stretch. Look for more of the same going forward.
2. Digital Realty Trust
Digital Realty Trust (NYSE: DLR) isn't growing nearly as quickly as Vertiv is. But that's OK. Owning Digital Realty Trust provides you with a stake in a company that's not only smack-dab in the middle of the AI infrastructure industry but also gives you a holding that serves a considerably different purpose for its shareholders.
See, Digital Realty Trust is a real estate investment trust, or REIT for short. That just means it owns revenue-bearing real estate like hotels, office buildings, apartment complexes, or in this case, data centers. These recurring rent payments are ultimately turned into dividends.
As of the latest count, Digital Realty Trust owns and operates more than 300 different facilities in more than 50 different cities, and serves more than 250 Fortune 500 companies. That's enough to generate nearly $1.6 billion in revenue during the three-month stretch ending in September, up about 10% year over year, extending a long-established growth trend. This company boasts 20 consecutive years of top-line growth, in fact.
This growth isn't the crux of the reason you might want to own a piece of this AI infrastructure name, however. It helps, to be sure. But the chief feature of this REIT is its aforementioned dividend, which has grown steadily (even if modestly) for decades, offering an income component to an investment in an industry that isn't exactly known for paying dividends. Newcomers would be plugging into it while Digital Realty Trust's forward-looking yield stands at a solid 3.1%.
3. Nebius Group
Finally, add Nebius Group (NASDAQ: NBIS) to your list of AI infrastructure stocks to buy if you want to cash in on the industry's brewing growth.
Of the three names in focus here, it's the most straightforward. This company owns several data centers built specifically for AI developers. It's also the riskiest of the three tickers in question, however. Despite its third-quarter, year-over-year top-line growth of 355% to $146 million, its loss grew from nearly $44 million in Q3 2024 to a loss of nearly $120 million for the three-month stretch ending in September of last year. Nebius' bottom line seems to be moving in the wrong direction -- because it is.
These are mostly just growing pains. Business and profits are waiting for this data center specialist even if it's not perfectly clear when the company will get over its profit hump.
This assurance lies in one of its more recent (and biggest-so-far) deals made in September with none other than Microsoft. While the specifics of the agreement weren't disclosed, the company was able to confirm a multibillion-dollar, multiyear deal to provide the software giant with AI infrastructure services from Nebius' facility in Vineland, New Jersey.
It's noteworthy simply because Microsoft could have easily built such a facility for itself or chosen any other number of AI infrastructure service providers. It still selected Nebius. There's a reason even if it's not entirely clear what that reason is.
Shares of course soared following the news. But in the absence of anything quite as exciting to continue fanning those bullish flames, those shares have withered since then.
The few analysts covering this name aren't deterred, though. Most of this small crowd still considers NBIS a strong buy, with a consensus target of $158.50 that's nearly 70% above the ticker's present price. Just bear in mind that while there's a bullish tailwind here, Nebius is also likely to dish out more volatility than most of the other names in the AI data center space.
Should you buy stock in Vertiv right now?
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JPMorgan Chase is an advertising partner of Motley Fool Money. James Brumley has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Digital Realty Trust, JPMorgan Chase, Microsoft, Nvidia, and Vertiv. The Motley Fool recommends the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Cathie Wood's Ark Invest Predicts AI Infrastructure Will Hit $1.4 Trillion by 2030: 3 Stocks to Buy This Year

Key Points
Apple's iPhone is increasing its market share in India.
The company is scheduled to report its first fiscal quarter 2026 earnings later this week.
One Wall Street analyst is heading into earnings feeling good about the company's prospects.
Shares of the consumer tech giant Apple (NASDAQ: AAPL) traded over 3% higher, as of 2:37 p.m. ET today. Reports of the iPhone's market share gains in India, along with high hopes heading into earnings later this week, are driving the move.
A potential earnings surprise to the upside
A TechCrunch report late Friday revealed that Apple's iPhone has grown market share in India to about 9%, up from 7% in 2024. The news follows somewhat recent reports of strong iPhone sales in China, and suggests the latest model of Apple's flagship product is being well received.
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Additionally, investors seem bullish on Apple's upcoming fiscal first-quarter earnings report for 2026, which will come out on Thursday. Apple's stock has struggled a bit in recent months due to investor concerns about higher memory prices and future iPhone demand, but the market may be overreacting, according to JPMorgan Chase analyst Samik Chatterjee.
Chatterjee believes the upcoming quarter could highlight Apple's strong recent iPhone 17 demand and solid performance in a difficult environment. Chatterjee sees an opportunity for Apple to report better-than-expected operating expenses and reassure investors that it can largely absorb higher memory prices with limited impact, thanks to its strong supply chain.
Chatterjee reiterated his outperform rating on the stock and increased his price target by $10 to $315 per share.
The company is well-positioned
I continue to view Apple's stock as well-positioned from a long-term perspective. The company hasn't heavily spent on capital expenditures related to artificial intelligence, but it could also reveal a more favorable AI strategy sometime this year. Apple will likely benefit from AI, but the company does not live and die by it, making it less risky than a pure-play AI stock.
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JPMorgan Chase is an advertising partner of Motley Fool Money. Bram Berkowitz has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Apple and JPMorgan Chase. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Why Shares of Apple Are Rising Today

Key Points
SPTM offers broader market exposure and holds nearly five times as many stocks as VTV.
VTV pays a higher dividend yield and has shown less volatility and drawdown over the past five years.
SPTM tilts heavily toward technology, while VTV emphasizes value-oriented sectors.
The Vanguard Value ETF (NYSEMKT:VTV) is designed for investors seeking to track the performance of large-cap U.S. value stocks, concentrating on established companies with lower price-to-book ratios.
The State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (NYSEMKT:SPTM) aims to mirror the broader U.S. equity market, spanning large-, mid-, and small-cap stocks. This comparison unpacks how these differences play out in cost, performance, risk, and portfolio makeup.
Snapshot (cost & size)
Issuer
Vanguard
SPDR
Expense ratio
0.04%
0.03%
1-yr return (as of Jan. 25, 2026)
11.48%
12.91%
Dividend yield
2.05%
1.13%
AUM
$218 billion
$12 billion
Beta (5Y monthly)
0.78
1.02
Beta measures price volatility relative to the S&P 500. The 1-yr return represents total return over the trailing 12 months.
SPTM is slightly more affordable than VTV with a lower expense ratio, while VTV delivers a much higher dividend yield that may appeal to income-focused investors.
Performance & risk comparison
Max drawdown (5 y)
-17.03%
-24.15%
Growth of $1,000 over 5 years
$1,622
$1,765
What's inside
SPTM tracks a broad U.S. equity index and holds 1,510 stocks, providing exposure across all market caps and sectors.
Its portfolio is heavily weighted toward technology, making up 34% of assets, followed by financial services at 13% and consumer cyclical at 11%. The top holdings are Nvidia, Apple, and Microsoft. The fund has been operating for more than 25 years, offering a long track record for evaluation.
VTV, in contrast, concentrates on 312 large-cap value stocks, with sector exposure led by financial services at 25%, healthcare at 16%, and industrials at 13%. Its largest positions are JPMorgan Chase, Berkshire Hathaway, and Exxon Mobil.
For more guidance on ETF investing, check out the full guide at this link.
What this means for investors
SPTM and VTV can both be fantastic investments, and determining the right choice for your portfolio will depend on what you’re looking to achieve with an ETF.
SPTM provides broad exposure to the overall market. While it is tech-heavy, reflecting the market’s tilt toward tech giants, it includes stocks from companies of all sizes across all sectors.
VTV, on the other hand, focuses exclusively on large-cap value stocks. Value stocks are those from established companies that are generally seen as being overlooked by investors. These stocks may experience slower growth, but they also tend to be more stable with greater dividend income potential.
Between these two ETFs, VTV offers a lower beta and a milder max drawdown, suggesting smaller price fluctuations and less volatility overall. But SPTM is the higher performer, delivering higher one- and five-year total returns.
Investors seeking stability and consistent dividend income may prefer VTV’s large-cap value approach. If you’re looking for increased diversification with access to stocks from all corners of the market, however, SPTM might better fit the bill.
Where to invest $1,000 right now
When our analyst team has a stock tip, it can pay to listen. After all, Stock Advisor’s total average return is 949%* — a market-crushing outperformance compared to 195% for the S&P 500.
They just revealed what they believe are the 10 best stocks for investors to buy right now, available when you join Stock Advisor.
*Stock Advisor returns as of January 25, 2026.
JPMorgan Chase is an advertising partner of Motley Fool Money. Katie Brockman has positions in Vanguard Index Funds - Vanguard Value ETF. The Motley Fool has positions in and recommends Apple, Berkshire Hathaway, JPMorgan Chase, Microsoft, Nvidia, and Vanguard Index Funds - Vanguard Value ETF. The Motley Fool recommends the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

SPDR's SPTM Offers Broad Market Reach, While Vanguard's VTV Targets Value Stocks. Which Is the Better Buy?

Key Points
SCHB captures the full U.S. equity market with a heavier tilt toward technology than VTV’s value focus.
VTV offers a higher dividend yield and lower volatility, while SCHB has delivered a higher return over the past year.
SCHB is more diversified with over 2,400 holdings, but VTV is much larger by assets under management
The Schwab U.S. Broad Market ETF (NYSEMKT:SCHB) offers broader market exposure and a tech emphasis, while the Vanguard Value ETF (NYSEMKT:VTV) focuses on large-cap value stocks, with a higher yield and lower volatility—two distinct approaches for different investor priorities.
Both the Schwab U.S. Broad Market ETF (SCHB) and the Vanguard Value ETF (VTV) are popular low-cost index funds, but their goals and construction differ. SCHB tracks the entire U.S. stock market, capturing growth and value stocks of all sizes, while VTV zeroes in on large-cap value companies. This comparison highlights the trade-offs in diversification, return profile, and sector exposure.
Snapshot (cost & size)
Issuer
Vanguard
Schwab
Expense ratio
0.04%
0.03%
1-yr return (as of 2026-01-23)
15.3%
16.9%
Dividend yield
2.0%
1.1%
AUM
$217.8 billion
$38.9 billion
Beta measures price volatility relative to the S&P 500; beta is calculated from five-year weekly returns. The 1-yr return represents total return over the trailing 12 months.
SCHB is slightly more affordable on fees, but VTV offers a higher payout for income-focused investors.
Performance & risk comparison
Max drawdown (5 y)
(17.04%)
(25.36%)
Growth of $1,000 over 5 years
$1,622
$1,697
What's inside
SCHB holds 2,401 stocks spanning the entire U.S. market, with a pronounced tilt toward technology (33%), followed by financial services (14%) and consumer cyclicals (11%). Its top positions — Nvidia(NASDAQ:NVDA), Apple(NASDAQ:AAPL), and Microsoft(NASDAQ:MSFT)— showcase its growth bias. The fund has over 17% of its net assets in those three tech giants alone.
VTV, by contrast, concentrates on large-cap value, emphasizing financial services (23%), healthcare (15%), and industrials (17%). Its leading holdings — JPMorgan Chase(NYSE:JPM), Berkshire Hathaway(NYSE:BRK.B), and Exxon Mobil(NYSE:XOM)— reflect classic value themes. It also has much less exposure to its top holding, as those three only represent about 8% of its net assets. With 331 holdings and over $217.8 billion in assets under management, VTV is one of the largest, most liquid U.S. equity ETFs.
For more guidance on ETF investing, check out the full guide at this link.
What this means for investors
SCHB and VTV offer investors two different paths. SCHB offers simple, broad market exposure (over 2,500 stocks) for a rock-bottom cost. It can be an anchor holding for any portfolio simply seeking market exposure. Even with its broad exposure, it tilts heavily towards tech stocks because they now comprise a meaningful share of the market. It also has a slightly higher fee (its expense ratio is still ultra-low compared to other ETFs) and a lower dividend yield (due to its tech-sector concentration).
VTV takes a more thematic approach. It focuses specifically on large-cap value stocks. These companies tend to be slower-growing and higher-yielding. These factors help reduce this fund’s risk profile.
In the end, the choice is between growth and value. If you want higher capital appreciation potential, SCHB is the way to go, while lower risk returns are more likely in VTV.
Where to invest $1,000 right now
When our analyst team has a stock tip, it can pay to listen. After all, Stock Advisor’s total average return is 949%* — a market-crushing outperformance compared to 195% for the S&P 500.
They just revealed what they believe are the 10 best stocks for investors to buy right now, available when you join Stock Advisor.
*Stock Advisor returns as of January 25, 2026.
JPMorgan Chase is an advertising partner of Motley Fool Money. Matt DiLallo has positions in Apple, Berkshire Hathaway, and JPMorgan Chase and has the following options: short May 2026 $280 calls on Apple. The Motley Fool has positions in and recommends Apple, Berkshire Hathaway, JPMorgan Chase, Microsoft, Nvidia, and Vanguard Index Funds - Vanguard Value ETF. The Motley Fool recommends the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Portfolio Anchors: SCHB Offers Broader Growth Exposure While VTV Delivers Value and a Higher Yield

In this video, Motley Fool contributors Jason Hall and Tyler Crowe break down how a 10% cap on credit card interest rates would impact Capital One Financial (NYSE: COF), and other credit card issuers like JPMorgan Chase (NYSE: JPM) and American Express (NYSE: AXP).
*Stock prices used were from the afternoon of Jan. 22, 2026. The video was published on Jan 25, 2026.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue »
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JPMorgan Chase is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Jason Hall has no position in any of the stocks mentioned. Tyler Crowe has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase. The Motley Fool recommends Capital One Financial. The Motley Fool has a disclosure policy. Jason Hall is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through their link they will earn some extra money that supports their channel. Their opinions remain their own and are unaffected by The Motley Fool.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Trump's 10% Rate Cap: What Does it Mean for Capital One Stock?

Comparing units outstanding versus one week ago at the coverage universe of ETFs at ETF Channel, the biggest inflow was seen in the State Street Financial Select Sector SPDR ETF, which added 36,800,000 units, or a 3.7% increase week over week. Among the largest underlying components of XLF, in morning trading today Berkshire Hathaway is down about 1%, and JP Morgan Chase is lower by about 1.4%.
And on a percentage change basis, the ETF with the biggest increase in inflows was the USGG ETF, which added 10,000 units, for a 40.0% increase in outstanding units.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

JP Morgan Chase & Co.

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