1JPM Fundamental Analysis - JPMORGAN CHASE & CO

Fundamental Rating

Overall 1JPM gets a fundamental rating of 3 out of 10. We evaluated 1JPM against 96 industry peers in the Banks industry. There are concerns on the financial health of 1JPM while its profitability can be described as average. 1JPM is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

1JPM had positive earnings in the past year.

1JPM had a negative operating cash flow in the past year.

1JPM had positive earnings in each of the past 5 years.

In multiple years 1JPM reported negative operating cash flow during the last 5 years.

1.2 Ratios

With an excellent Return On Assets value of 1.21%, 1JPM belongs to the best of the industry, outperforming 82.80% of the companies in the same industry.

The Return On Equity of 1JPM (15.45%) is better than 80.65% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.21%
ROE	15.45%
ROIC	N/A

ROA(3y)1.21%

ROA(5y)1.14%

ROE(3y)14.45%

ROE(5y)13.79%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

1JPM has a Profit Margin of 31.40%. This is amongst the best in the industry. 1JPM outperforms 81.72% of its industry peers.

In the last couple of years the Profit Margin of 1JPM has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for 1JPM so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	31.4%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.73%

PM growth 5Y1.36%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.

1JPM has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, 1JPM has less shares outstanding

Compared to 1 year ago, 1JPM has a worse debt to assets ratio.

2.2 Solvency

1JPM has a Debt/Equity ratio of 3.03. This is a high value indicating a heavy dependency on external financing.

1JPM has a worse Debt to Equity ratio (3.03) than 67.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.03
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.93%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.30% over the past year.

The Earnings Per Share has been growing by 11.43% on average over the past years. This is quite good.

Looking at the last year, 1JPM shows a small growth in Revenue. The Revenue has grown by 2.97% in the last year.

1JPM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.94% yearly.

EPS 1Y (TTM)17.3%

EPS 3Y5.01%

EPS 5Y11.43%

EPS Q2Q%16.43%

Revenue 1Y (TTM)2.97%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%-10.42%

3.2 Future

Based on estimates for the next years, 1JPM will show a small growth in Earnings Per Share. The EPS will grow by 6.30% on average per year.

The Revenue is expected to grow by 1.75% on average over the next years.

EPS Next Y4.02%

EPS Next 2Y5.29%

EPS Next 3Y6.57%

EPS Next 5Y6.3%

Revenue Next Year1.22%

Revenue Next 2Y1.96%

Revenue Next 3Y2.72%

Revenue Next 5Y1.75%

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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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.27 indicates a correct valuation of 1JPM.

Based on the Price/Earnings ratio, 1JPM is valued more expensive than 84.95% of the companies in the same industry.

1JPM is valuated rather cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 14.68, 1JPM is valued correctly.

Based on the Price/Forward Earnings ratio, 1JPM is valued a bit more expensive than the industry average as 78.49% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, 1JPM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	15.27
Fwd PE	14.68

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1JPM does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)3.8

PEG (5Y)1.34

EPS Next 2Y5.29%

EPS Next 3Y6.57%

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5. Dividend

5.1 Amount

1JPM has a Yearly Dividend Yield of 1.90%. Purely for dividend investing, there may be better candidates out there.

With a Dividend Yield of 1.90, 1JPM pays less dividend than the industry average, which is at 5.01. 89.25% of the companies listed in the same industry pay a better dividend than 1JPM!

Compared to an average S&P500 Dividend Yield of 2.32, 1JPM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.9%

5.2 History

On average, the dividend of 1JPM grows each year by 6.07%, which is quite nice.

Dividend Growth(5Y)6.07%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

28.18% of the earnings are spent on dividend by 1JPM. This is a low number and sustainable payout ratio.

1JPM's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP28.18%

EPS Next 2Y5.29%

EPS Next 3Y6.57%

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JPMORGAN CHASE & CO

BIT:1JPM (8/5/2025, 7:00:00 PM)

248.95

-4.15 (-1.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-15 2025-07-15/bmo

Earnings (Next)10-14 2025-10-14/bmo

Inst Owners73.9%

Inst Owner ChangeN/A

Ins Owners0.38%

Ins Owner ChangeN/A

Market Cap691.85B

Analysts72.67

Price Target267.54 (7.47%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.9%

Yearly Dividend4.46

Dividend Growth(5Y)6.07%

DP28.18%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.47%

Min EPS beat(2)5.36%

Max EPS beat(2)9.57%

EPS beat(4)4

Avg EPS beat(4)9.7%

Min EPS beat(4)5.36%

Max EPS beat(4)15.92%

EPS beat(8)7

Avg EPS beat(8)6.2%

EPS beat(12)11

Avg EPS beat(12)10.73%

EPS beat(16)14

Avg EPS beat(16)9.89%

Revenue beat(2)2

Avg Revenue beat(2)2.97%

Min Revenue beat(2)2.66%

Max Revenue beat(2)3.28%

Revenue beat(4)4

Avg Revenue beat(4)3.18%

Min Revenue beat(4)2.66%

Max Revenue beat(4)3.77%

Revenue beat(8)6

Avg Revenue beat(8)1.71%

Revenue beat(12)9

Avg Revenue beat(12)2.01%

Revenue beat(16)9

Avg Revenue beat(16)0.84%

PT rev (1m)10.2%

PT rev (3m)13.34%

EPS NQ rev (1m)3.55%

EPS NQ rev (3m)1.13%

EPS NY rev (1m)0%

EPS NY rev (3m)0.66%

Revenue NQ rev (1m)1.79%

Revenue NQ rev (3m)1.11%

Revenue NY rev (1m)1.92%

Revenue NY rev (3m)2.1%

Valuation

		Industry Rank	Sector Rank
PE	15.27
Fwd PE	14.68
P/S	4.6
P/FCF	N/A
P/OCF	N/A
P/B	2.27
P/tB	2.76
EV/EBITDA	N/A

EPS(TTM)16.3

EY6.55%

EPS(NY)16.96

Fwd EY6.81%

FCF(TTM)-45.75

FCFYN/A

OCF(TTM)-45.75

OCFYN/A

SpS54.07

BVpS109.88

TBVpS90.04

PEG (NY)3.8

PEG (5Y)1.34

Profitability

		Industry Rank	Sector Rank
ROA	1.21%
ROE	15.45%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.4%
GM	N/A
FCFM	N/A

ROA(3y)1.21%

ROA(5y)1.14%

ROE(3y)14.45%

ROE(5y)13.79%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.73%

PM growth 5Y1.36%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	3.03
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC10.93%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.3%

EPS 3Y5.01%

EPS 5Y11.43%

EPS Q2Q%16.43%

EPS Next Y4.02%

EPS Next 2Y5.29%

EPS Next 3Y6.57%

EPS Next 5Y6.3%

Revenue 1Y (TTM)2.97%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%-10.42%

Revenue Next Year1.22%

Revenue Next 2Y1.96%

Revenue Next 3Y2.72%

Revenue Next 5Y1.75%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-1488.11%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-1488.11%

OCF growth 3YN/A

OCF growth 5YN/A

JPMORGAN CHASE & CO (1JPM.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens