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

BIT:1JPM - Euronext Milan - US46625H1005 - Common Stock - Currency: EUR

253.6  +9.8 (+4.02%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1JPM. 1JPM was compared to 95 industry peers in the Banks industry. There are concerns on the financial health of 1JPM while its profitability can be described as average. While showing a medium growth rate, 1JPM is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

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.
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's Return On Assets of 1.34% is amongst the best of the industry. 1JPM outperforms 87.37% of its industry peers.
With an excellent Return On Equity value of 16.57%, 1JPM belongs to the best of the industry, outperforming 87.37% of the companies in the same industry.
Industry RankSector Rank
ROA 1.34%
ROE 16.57%
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

1JPM has a better Profit Margin (32.19%) than 85.26% 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 RankSector Rank
OM N/A
PM (TTM) 32.19%
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.
1JPM has less shares outstanding than it did 1 year ago.
1JPM has less shares outstanding than it did 5 years ago.
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

A Debt/Equity ratio of 2.79 is on the high side and indicates that 1JPM has dependencies on debt financing.
With a Debt to Equity ratio value of 2.79, 1JPM is not doing good in the industry: 66.32% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.79
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.97%
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.
The Revenue has been growing slightly by 2.97% in the past 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%-11.92%

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 4.18% on average per year.
1JPM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.63% yearly.
EPS Next Y4.02%
EPS Next 2Y5.29%
EPS Next 3Y6.57%
EPS Next 5Y4.18%
Revenue Next Year-0.69%
Revenue Next 2Y0.92%
Revenue Next 3Y1.9%
Revenue Next 5Y0.63%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

A Price/Earnings ratio of 15.65 indicates a correct valuation of 1JPM.
Based on the Price/Earnings ratio, 1JPM is valued expensively inside the industry as 88.42% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of 1JPM to the average of the S&P500 Index (27.35), we can say 1JPM is valued slightly cheaper.
1JPM is valuated correctly with a Price/Forward Earnings ratio of 15.04.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1JPM indicates a slightly more expensive valuation: 1JPM is more expensive than 75.79% of the companies listed in the same industry.
1JPM is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.65
Fwd PE 15.04
1JPM.MI Price Earnings VS Forward Price Earnings1JPM.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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)3.9
PEG (5Y)1.37
EPS Next 2Y5.29%
EPS Next 3Y6.57%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.93%, 1JPM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.06, 1JPM's dividend is way lower than its industry peers. On top of this 94.74% of the companies listed in the same industry pay a better dividend than 1JPM!
1JPM's Dividend Yield is comparable with the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.93%

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

1JPM pays out 25.95% of its income as dividend. This is a sustainable payout ratio.
1JPM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.95%
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 (7/24/2025, 7:00:00 PM)

253.6

+9.8 (+4.02%)

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 Owners73.85%
Inst Owner ChangeN/A
Ins Owners0.38%
Ins Owner ChangeN/A
Market Cap704.78B
Analysts72.67
Price Target260.68 (2.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend4.47
Dividend Growth(5Y)6.07%
DP25.95%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.64%
Min EPS beat(2)5.36%
Max EPS beat(2)15.92%
EPS beat(4)4
Avg EPS beat(4)7.49%
Min EPS beat(4)0.74%
Max EPS beat(4)15.92%
EPS beat(8)7
Avg EPS beat(8)7.93%
EPS beat(12)10
Avg EPS beat(12)9.5%
EPS beat(16)14
Avg EPS beat(16)10.34%
Revenue beat(2)2
Avg Revenue beat(2)3.53%
Min Revenue beat(2)3.28%
Max Revenue beat(2)3.77%
Revenue beat(4)4
Avg Revenue beat(4)2.83%
Min Revenue beat(4)1.23%
Max Revenue beat(4)3.77%
Revenue beat(8)6
Avg Revenue beat(8)2%
Revenue beat(12)8
Avg Revenue beat(12)1.39%
Revenue beat(16)9
Avg Revenue beat(16)0.72%
PT rev (1m)7.38%
PT rev (3m)5.47%
EPS NQ rev (1m)1.28%
EPS NQ rev (3m)0.73%
EPS NY rev (1m)0.66%
EPS NY rev (3m)0.84%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 15.65
Fwd PE 15.04
P/S 4.58
P/FCF N/A
P/OCF N/A
P/B 2.36
P/tB 2.89
EV/EBITDA N/A
EPS(TTM)16.2
EY6.39%
EPS(NY)16.86
Fwd EY6.65%
FCF(TTM)-42.76
FCFYN/A
OCF(TTM)-42.76
OCFYN/A
SpS55.38
BVpS107.56
TBVpS87.81
PEG (NY)3.9
PEG (5Y)1.37
Profitability
Industry RankSector Rank
ROA 1.34%
ROE 16.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.19%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.79
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-Score5
WACC10.97%
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 5Y4.18%
Revenue 1Y (TTM)2.97%
Revenue growth 3Y13.43%
Revenue growth 5Y8.94%
Sales Q2Q%-11.92%
Revenue Next Year-0.69%
Revenue Next 2Y0.92%
Revenue Next 3Y1.9%
Revenue Next 5Y0.63%
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-469.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-469.61%
OCF growth 3YN/A
OCF growth 5YN/A