Bold Prediction: 2 Bank Stocks That Will Be Worth More Than JPMorgan Chase 20 Years From Now

To be perfectly, it is a remarkable with fantastic leadership

Having said that, while I think JPMorgan Chase will continue to grow over the coming years, I don't necessarily think it will be on top of the industry forever

While there's no way to know what the banking industry or U

Economy will look in a couple of decades, there are some companies that have massive opportunities and the potential to grow rapidly

I realize this is a bold prediction

There's a lot that needs to go right for any other bank stock to get close to JPMorgan Chase's market cap

But if we're looking at a time frame of 20 years, these two have a better chance than many experts think

Image source: Getty Images

But in a 20-year period, that's certainly within the realm of possibilities

For one thing, Capital One doesn't necessarily need to grow its to the size of JPMorgan Chase

Because of its credit card and auto lending focus, Capital One has far better net-interest margins

But after its recent acquisition of Discover, it has the number one in credit card loans

Over the past decade alone, Capital One's credit card spending volume has more than tripled, so there's excellent growth momentum here

Capital One has done an excellent job of not only modernizing the branch-based banking experience but has also been the first major bank to offer high-yield deposit ducts to branch customers

I could see its deposit growth outpacing its big-bank competitors over the coming years

Finally, one factor that could help catapult Capital One to the next level is that it is now the only large U

Consumer-facing bank to have its own payment network

At first, this will be mostly useful to avoid paying companies Visa and Mastercard interchange fees on its own card ducts, but over time there could be interesting possibilities to build out the Discover network as a truly competitive alternative to the payment-cessing giants

An app that could replace your bank, broker, and more The Capital One prediction is certainly bold, but there's a path to get there, especially if the Discover network truly gains traction as a globally competitive payment network

But this next one is admittedly a bit of a stretch

But if SoFi can keep its momentum going, grow its brand recognition, and continue to build out its ecosystem, it could be a massive long-term winner

Management has said that the goal is to become a top 10 financial institution, which would require it to grow more than 10X from its current asset size, so the bank's leadership team is certainly aiming high

While other personal finance apps aim to do one or two things better than traditional banks, such as offering high-yield savings accounts or a stock-trading platform, SoFi is building a true bank replacement

The ultimate goal is for SoFi to be able to do everything your current bank, brokerage, insurance agent, and other financial services es do -- all in one app and better than the legacy viders

The company's growth momentum has been impressive to say the least

There are several major catalysts that could take SoFi to the next level

The third-party loan platform is one big example that is growing fast

It's where SoFi originates loans on behalf of third-party partners and makes applicant referrals, generating a low-risk of fee income from the massive personal loan industry

SoFi's loan is another example

Even in a terribly slow real estate market with elevated interest rates, SoFi originated nearly six times the loan volume in the first quarter than it did two years ago

Cryptocurrency is a recent development that could bring more customers into SoFi's ecosystem

The bank recently announced that not only will it be bringing crypto trading back to its app by the end of the year but will use blockchain nology to facilitate cross-border money transfers quicker and more cost effectively than peers, and this is a $93 billion market

These are meant to be bold predictions As a final thought, keep in mind that these are meant to be two bold predictions

There's a lot that would need to go well for either of these companies to overtake JPMorgan Chase's position as the most valuable U

It's possible, but it's not especially ly

However, even if JPMorgan Chase remains the largest U

Bank in two decades, that's OK

These are two well-run banks with massive market opportunities, and I'm quite confident that they'll der strong returns for investors over the long term

I own both in my personal stock portfolio and can't wait to watch their next chapters unfold

JPMorgan Chase is an advertising partner of Motley Fool Money

Matt Frankel has positions in Capital One Financial and SoFi nologies

The Motley Fool has positions in and recommends JPMorgan Chase

The Motley Fool recommends Capital One Financial

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