Computed head-to-head · 6 dimensions
JPM vs RY
JPMorgan Chase & Co. versus Royal Bank of Canada — yield, safety, growth trend, cost, scale, and tax treatment.
JPM and RY are evenly matched (2–2 across six dimensions) — the right pick comes down to which dimension you weight most.
Neither JPM nor RY wins outright — the two are nearly equivalent across all 6 dimensions, making the choice largely a matter of which account you hold them in and personal preference on yield vs stability. JPM and RY are evenly matched (2–2 across six dimensions) — the right pick comes down to which dimension you weight most.
On yield alone, RY generates 2.38% vs 1.68% — a 0.70% difference that translates to $700 more per year on a $100,000 investment. On dividend safety, JPM scores 9.5/10 (Strong) vs 9.0/10 (Strong) for RY — investors prioritizing income reliability should weight that gap alongside the yield difference.
Scorecard at a glance
| Dimension | JPM | RY | Winner |
|---|---|---|---|
| Yield | 1.68% | 2.38% | RY wins |
| Dividend safety | 9.5/10 | 9.0/10 | JPM wins |
| Growth trend | -0.71% vs 5y | -1.16% vs 5y | RY wins |
| Volatility (beta) | 0.98 | 0.93 | Tie |
| Scale | $950.6B | $291.1B | JPM wins |
| Tax efficiency | Qualified-eligible | Qualified-eligible | Tie |
| Overall | 2 wins | 2 wins | Tie |
Dimension by dimension
RY wins on yield (2.38% vs 1.68%)
On a $10,000 investment that's about $70 more in annual dividend income before taxes — though higher yield often comes with higher risk.
RY's higher yield (2.38%) looks attractive but investors should weigh whether the extra income compensates for any additional risk versus JPM's 1.68% — especially if the higher yield is driven by covered calls or a falling share price.
JPM wins on safety (9.5/10 vs 9.0/10)
Our score combines yield zone, payout ratio, trend vs 5-year average, instrument type, and size. JPM scores better on the weighted average of those factors.
JPM (9.5/10) scores 0.5 points higher than RY (9.0/10). A higher safety score means lower historical indicators of dividend cut risk — payout ratio, yield zone, and trend all factor in.
RY shows healthier dividend-vs-price trend
RY's yield is 1.16% below its 5y average, versus 0.71% for JPM. Lower (or below-average) yield trend often means price appreciation outpaced distributions — a healthier signal.
Volatility (beta) is similar
Both tickers move with comparable sensitivity to the broader market.
JPM is 3.3× larger by market cap
Larger companies tend to have tighter spreads, deeper liquidity, and lower closure risk.
Both pay qualified-dividend-eligible distributions
Neither is structurally flagged for ordinary-income tax treatment. Most distributions should qualify for the lower long-term capital gains rate if holding-period requirements are met.
How we compare these
Every comparison on this page is computed from current public data, not written by hand. Yield comes from the most recent dividend distribution annualized over current price. Safety scores combine yield zone, payout ratio, trend vs 5-year average, instrument type, and size — see our methodology for the exact formula. Tax-efficiency flags identify covered-call ETFs, REITs, and mREITs which distribute primarily as ordinary income.
This is educational, not investment advice.Scores reflect a snapshot of public data on the "as of" dates shown on each ticker's safety page. Verify on the issuer's investor relations page or your brokerage before making decisions.
Frequently asked
Which is better for income, JPM or RY?
JPM and RY are evenly matched (2–2 across six dimensions) — the right pick comes down to which dimension you weight most.
JPM vs RY: which has a higher dividend yield?
JPM yields 1.68% and RY yields 2.38%. On a $10,000 investment that's about $70 more in annual dividend income before taxes — though higher yield often comes with higher risk.
Is JPM or RY a safer dividend in 2026?
JPM scores 9.5/10 (Strong) on the Infnits dividend safety scale. RY scores 9.0/10 (Strong). JPM is the safer pick on our scoring model.
Which has better dividend growth, JPM or RY?
RY's yield is 1.16% below its 5y average, versus 0.71% for JPM. Lower (or below-average) yield trend often means price appreciation outpaced distributions — a healthier signal.
JPM vs RY: which is more tax-efficient?
Neither is structurally flagged for ordinary-income tax treatment. Most distributions should qualify for the lower long-term capital gains rate if holding-period requirements are met.
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