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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

Taking everything into account, 1JPM scores 3 out of 10 in our fundamental rating. 1JPM was compared to 92 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 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

In the past year 1JPM was profitable.
In the past year 1JPM has reported a negative cash flow from operations.
Each year in the past 5 years 1JPM has been profitable.
The reported operating cash flow has been mixed in the past 5 years: 1JPM reported negative operating cash flow in multiple 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 better Return On Assets (1.34%) than 86.96% of its industry peers.
1JPM has a better Return On Equity (16.57%) than 86.96% of its industry peers.
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's Profit Margin of 32.19% is amongst the best of the industry. 1JPM outperforms 84.78% of its industry peers.
1JPM's Profit Margin has been stable in the last couple of years.
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.
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
Compared to 1 year ago, 1JPM has a worse debt to assets ratio.
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 2.79. This is a high value indicating a heavy dependency on external financing.
1JPM has a worse Debt to Equity ratio (2.79) than 65.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.79
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.98%
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

1JPM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.30%, which is quite good.
1JPM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.43% yearly.
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%-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 4.18% on average per year.
Based on estimates for the next years, 1JPM will show a small growth in Revenue. The Revenue will grow by 0.63% on average per year.
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.
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

A Price/Earnings ratio of 15.35 indicates a correct valuation of 1JPM.
Compared to the rest of the industry, the Price/Earnings ratio of 1JPM indicates a rather expensive valuation: 1JPM more expensive than 86.96% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.91, 1JPM is valued a bit cheaper.
With a Price/Forward Earnings ratio of 14.76, 1JPM is valued correctly.
1JPM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1JPM is more expensive than 73.91% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1JPM to the average of the S&P500 Index (37.11), we can say 1JPM is valued rather cheaply.
Industry RankSector Rank
PE 15.35
Fwd PE 14.76
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 1JPM does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.82
PEG (5Y)1.34
EPS Next 2Y5.29%
EPS Next 3Y6.57%

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0

5. Dividend

5.1 Amount

No dividends for 1JPM!.
Industry RankSector Rank
Dividend Yield N/A

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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 N/A
Yearly Dividend4.44
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)-0.06%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 15.35
Fwd PE 14.76
P/S 4.49
P/FCF N/A
P/OCF N/A
P/B 2.31
P/tB 2.83
EV/EBITDA N/A
EPS(TTM)16.52
EY6.51%
EPS(NY)17.19
Fwd EY6.78%
FCF(TTM)-43.58
FCFYN/A
OCF(TTM)-43.58
OCFYN/A
SpS56.45
BVpS109.64
TBVpS89.51
PEG (NY)3.82
PEG (5Y)1.34
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
WACC10.98%
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%-10.42%
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