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

Europe - BIT:1JPM - US46625H1005 - Common Stock

263.1 EUR
+14.15 (+5.68%)
Last: 10/2/2025, 7:00:00 PM
Fundamental Rating

3

Overall 1JPM gets a fundamental rating of 3 out of 10. We evaluated 1JPM against 95 industry peers in the Banks industry. 1JPM has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1JPM is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

1JPM had positive earnings in the past year.
In the past year 1JPM has reported a negative cash flow from operations.
Each year in the past 5 years 1JPM has been profitable.
In multiple years 1JPM reported negative operating cash flow during the last 5 years.
1JPM.MI Yearly Net Income VS EBIT VS OCF VS FCF1JPM.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

1.2 Ratios

1JPM has a Return On Assets of 1.21%. This is amongst the best in the industry. 1JPM outperforms 81.05% of its industry peers.
Looking at the Return On Equity, with a value of 15.45%, 1JPM belongs to the top of the industry, outperforming 83.16% of the companies in the same industry.
Industry RankSector 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
1JPM.MI Yearly ROA, ROE, ROIC1JPM.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of 1JPM (31.40%) is better than 81.05% of its industry peers.
In the last couple of years the Profit Margin of 1JPM has remained more or less at the same level.
1JPM 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) 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
1JPM.MI Yearly Profit, Operating, Gross Margins1JPM.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

1JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1JPM has been reduced compared to 1 year ago.
Compared to 5 years ago, 1JPM has less shares outstanding
1JPM has a worse debt/assets ratio than last year.
1JPM.MI Yearly Shares Outstanding1JPM.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1JPM.MI Yearly Total Debt VS Total Assets1JPM.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T 4T

2.2 Solvency

1JPM has a Debt/Equity ratio of 3.03. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of 1JPM (3.03) is worse than 69.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.71%
1JPM.MI Yearly LT Debt VS Equity VS FCF1JPM.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1JPM.MI Yearly Current Assets VS Current Liabilites1JPM.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

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4

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.
1JPM shows a small growth in Revenue. In the last year, the Revenue has grown by 2.97%.
The Revenue has been growing by 8.94% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 6.30% on average over the next years.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
1JPM.MI Yearly Revenue VS Estimates1JPM.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B 150B 200B
1JPM.MI Yearly EPS VS Estimates1JPM.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5 10 15 20 25

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.21, which indicates a correct valuation of 1JPM.
87.37% of the companies in the same industry are cheaper than 1JPM, based on the Price/Earnings ratio.
1JPM is valuated rather cheaply when we compare the Price/Earnings ratio to 27.90, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 15.58, the valuation of 1JPM can be described as correct.
Based on the Price/Forward Earnings ratio, 1JPM is valued a bit more expensive than the industry average as 78.95% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of 1JPM to the average of the S&P500 Index (23.36), we can say 1JPM is valued slightly cheaper.
Industry RankSector Rank
PE 16.21
Fwd PE 15.58
1JPM.MI Price Earnings VS Forward Price Earnings1JPM.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1JPM.MI Per share data1JPM.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.04
PEG (5Y)1.42
EPS Next 2Y5.29%
EPS Next 3Y6.57%

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4

5. Dividend

5.1 Amount

1JPM has a Yearly Dividend Yield of 1.90%.
With a Dividend Yield of 1.90, 1JPM pays less dividend than the industry average, which is at 4.70. 89.47% of the companies listed in the same industry pay a better dividend than 1JPM!
1JPM's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 1.9%

5.2 History

The dividend of 1JPM is nicely growing with an annual growth rate of 6.07%!
Dividend Growth(5Y)6.07%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1JPM pays out 28.18% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1JPM is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP28.18%
EPS Next 2Y5.29%
EPS Next 3Y6.57%
1JPM.MI Yearly Income VS Free CF VS Dividend1JPM.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B
1JPM.MI Dividend Payout.1JPM.MI Dividend Payout, showing the Payout Ratio.1JPM.MI Dividend Payout.PayoutRetained Earnings

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JPMORGAN CHASE & CO

BIT:1JPM (10/2/2025, 7:00:00 PM)

263.1

+14.15 (+5.68%)

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 Cap731.18B
Analysts72.67
Price Target267.54 (1.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 16.21
Fwd PE 15.58
P/S 4.88
P/FCF N/A
P/OCF N/A
P/B 2.4
P/tB 2.93
EV/EBITDA N/A
EPS(TTM)16.23
EY6.17%
EPS(NY)16.89
Fwd EY6.42%
FCF(TTM)-45.57
FCFYN/A
OCF(TTM)-45.57
OCFYN/A
SpS53.86
BVpS109.45
TBVpS89.68
PEG (NY)4.04
PEG (5Y)1.42
Profitability
Industry RankSector 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 RankSector 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
WACC10.71%
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