JPMORGAN CHASE & CO (JPM)

US46625H1005 - Common Stock

202.63  +3.3 (+1.66%)

After market: 202.7 +0.07 (+0.03%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to JPM. JPM was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of JPM while its profitability can be described as average. While showing a medium growth rate, JPM is valued expensive at the moment.



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4

1. Profitability

1.1 Basic Checks

In the past year JPM was profitable.
In the past year JPM has reported a negative cash flow from operations.
Each year in the past 5 years JPM has been profitable.
JPM had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

JPM's Return On Assets of 1.19% is fine compared to the rest of the industry. JPM outperforms 77.86% of its industry peers.
With an excellent Return On Equity value of 14.41%, JPM belongs to the best of the industry, outperforming 88.32% of the companies in the same industry.
Industry RankSector Rank
ROA 1.19%
ROE 14.41%
ROIC N/A
ROA(3y)1.15%
ROA(5y)1.11%
ROE(3y)14.22%
ROE(5y)13.14%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

JPM has a better Profit Margin (30.00%) than 81.02% of its industry peers.
JPM's Profit Margin has been stable in the last couple of years.
JPM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.75%
PM growth 5Y1.36%
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for JPM has been reduced compared to 1 year ago.
JPM has less shares outstanding than it did 5 years ago.
The debt/assets ratio for JPM is higher compared to a year ago.

2.2 Solvency

JPM has a Debt/Equity ratio of 2.16. This is a high value indicating a heavy dependency on external financing.
JPM's Debt to Equity ratio of 2.16 is on the low side compared to the rest of the industry. JPM is outperformed by 92.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.16
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.01%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.14% over the past year.
Measured over the past years, JPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.68% on average per year.
The Revenue has grown by 18.60% in the past year. This is quite good.
Measured over the past years, JPM shows a small growth in Revenue. The Revenue has been growing by 7.76% on average per year.
EPS 1Y (TTM)21.14%
EPS 3Y23.82%
EPS 5Y13.68%
EPS Q2Q%2.78%
Revenue 1Y (TTM)18.6%
Revenue growth 3Y9.64%
Revenue growth 5Y7.76%
Sales Q2Q%10.95%

3.2 Future

The Earnings Per Share is expected to decrease by -1.61% on average over the next years.
JPM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.80% yearly.
EPS Next Y-0.24%
EPS Next 2Y-0.31%
EPS Next 3Y2.18%
EPS Next 5Y-1.61%
Revenue Next Year4.48%
Revenue Next 2Y2.25%
Revenue Next 3Y2.68%
Revenue Next 5Y0.8%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.95, which indicates a very decent valuation of JPM.
63.50% of the companies in the same industry are cheaper than JPM, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.05. JPM is valued rather cheaply when compared to this.
JPM is valuated correctly with a Price/Forward Earnings ratio of 12.11.
Based on the Price/Forward Earnings ratio, JPM is valued a bit more expensive than the industry average as 68.86% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of JPM to the average of the S&P500 Index (20.07), we can say JPM is valued slightly cheaper.
Industry RankSector Rank
PE 11.95
Fwd PE 12.11

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.87
EPS Next 2Y-0.31%
EPS Next 3Y2.18%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.31%, JPM has a reasonable but not impressive dividend return.
JPM's Dividend Yield is slightly below the industry average, which is at 3.78.
Compared to an average S&P500 Dividend Yield of 2.38, JPM has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.31%

5.2 History

On average, the dividend of JPM grows each year by 8.96%, which is quite nice.
JPM has paid a dividend for at least 10 years, which is a reliable track record.
JPM has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.96%
Div Incr Years13
Div Non Decr Years13

5.3 Sustainability

28.00% of the earnings are spent on dividend by JPM. This is a low number and sustainable payout ratio.
DP28%
EPS Next 2Y-0.31%
EPS Next 3Y2.18%

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JPMORGAN CHASE & CO

NYSE:JPM (5/31/2024, 7:04:00 PM)

After market: 202.7 +0.07 (+0.03%)

202.63

+3.3 (+1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap581.89B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.31%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 11.95
Fwd PE 12.11
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.87
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 14.41%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 30%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.16
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)21.14%
EPS 3Y23.82%
EPS 5Y
EPS Q2Q%
EPS Next Y-0.24%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.6%
Revenue growth 3Y9.64%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y