JPMORGAN CHASE & CO(FRA:CMC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CMC. CMC was compared to 95 industry peers in the Banks industry. While CMC is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, CMC is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year CMC was profitable.

CMC had a negative operating cash flow in the past year.

Each year in the past 5 years CMC has been profitable.

The reported operating cash flow has been mixed in the past 5 years: CMC reported negative operating cash flow in multiple years.

1.2 Ratios

CMC has a better Return On Assets (1.42%) than 88.42% of its industry peers.

Looking at the Return On Equity, with a value of 16.49%, CMC belongs to the top of the industry, outperforming 86.32% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.42%
ROE	16.49%
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

CMC has a Profit Margin of 32.03%. This is amongst the best in the industry. CMC outperforms 83.16% of its industry peers.

CMC's Profit Margin has been stable in the last couple of years.

CMC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	32.03%
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

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

Compared to 1 year ago, CMC has less shares outstanding

The number of shares outstanding for CMC has been reduced compared to 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 2.01 is on the high side and indicates that CMC has dependencies on debt financing.

The Debt to Equity ratio of CMC (2.01) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.01
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.82%

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 8.20% 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, CMC shows a quite strong growth in Revenue. The Revenue has grown by 11.90% in the last year.

Measured over the past years, CMC shows a quite strong growth in Revenue. The Revenue has been growing by 8.94% on average per year.

EPS 1Y (TTM)8.2%

EPS 3Y5.01%

EPS 5Y11.43%

EPS Q2Q%10.59%

Revenue 1Y (TTM)11.9%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%8.15%

3.2 Future

The Earnings Per Share is expected to grow by 4.18% on average over the next years.

Based on estimates for the next years, CMC will show a small growth in Revenue. The Revenue will grow by 0.63% on average per year.

EPS Next Y3.15%

EPS Next 2Y4.58%

EPS Next 3Y6.49%

EPS Next 5Y4.18%

Revenue Next Year-0.65%

Revenue Next 2Y0.69%

Revenue Next 3Y1.79%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.71, CMC is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of CMC indicates a rather expensive valuation: CMC more expensive than 86.32% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of CMC to the average of the S&P500 Index (24.29), we can say CMC is valued slightly cheaper.

Based on the Price/Forward Earnings ratio of 12.87, the valuation of CMC can be described as correct.

73.68% of the companies in the same industry are cheaper than CMC, based on the Price/Forward Earnings ratio.

CMC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.42.

		Industry Rank	Sector Rank
PE	13.71
Fwd PE	12.87

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 an expensive valuation of the company.

PEG (NY)4.35

PEG (5Y)1.2

EPS Next 2Y4.58%

EPS Next 3Y6.49%

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5. Dividend

5.1 Amount

CMC has a Yearly Dividend Yield of 2.27%.

With a Dividend Yield of 2.27, CMC pays less dividend than the industry average, which is at 5.30. 94.74% of the companies listed in the same industry pay a better dividend than CMC!

CMC's Dividend Yield is comparable with the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	2.27%

5.2 History

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

Dividend Growth(5Y)6.07%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

CMC pays out 26.00% of its income as dividend. This is a sustainable payout ratio.

CMC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP26%

EPS Next 2Y4.58%

EPS Next 3Y6.49%

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JPMORGAN CHASE & CO

FRA:CMC (5/6/2025, 4:51:13 PM)

221.85

-2.8 (-1.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-11 2025-04-11/bmo

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

Inst Owners74.27%

Inst Owner ChangeN/A

Ins Owners0.41%

Ins Owner ChangeN/A

Market Cap617.41B

Analysts74.48

Price Target229.35 (3.38%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.27%

Yearly Dividend4.59

Dividend Growth(5Y)6.07%

DP26%

Div Incr Years6

Div Non Decr Years6

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)11.93%

Min EPS beat(2)7.95%

Max EPS beat(2)15.92%

EPS beat(4)4

Avg EPS beat(4)7.86%

Min EPS beat(4)0.74%

Max EPS beat(4)15.92%

EPS beat(8)7

Avg EPS beat(8)10.43%

EPS beat(12)10

Avg EPS beat(12)9.19%

EPS beat(16)14

Avg EPS beat(16)12.93%

Revenue beat(2)2

Avg Revenue beat(2)3.4%

Min Revenue beat(2)3.03%

Max Revenue beat(2)3.77%

Revenue beat(4)4

Avg Revenue beat(4)2.17%

Min Revenue beat(4)0.66%

Max Revenue beat(4)3.77%

Revenue beat(8)7

Avg Revenue beat(8)2.8%

Revenue beat(12)8

Avg Revenue beat(12)1.39%

Revenue beat(16)10

Avg Revenue beat(16)1.1%

PT rev (1m)-8.15%

PT rev (3m)-10.2%

EPS NQ rev (1m)0.55%

EPS NQ rev (3m)1.08%

EPS NY rev (1m)-0.44%

EPS NY rev (3m)-0.57%

Revenue NQ rev (1m)0.22%

Revenue NQ rev (3m)0.45%

Revenue NY rev (1m)0.39%

Revenue NY rev (3m)0.42%

Valuation

		Industry Rank	Sector Rank
PE	13.71
Fwd PE	12.87
P/S	3.94
P/FCF	N/A
P/OCF	N/A
P/B	2.03
P/tB	2.5
EV/EBITDA	N/A

EPS(TTM)16.18

EY7.29%

EPS(NY)17.24

Fwd EY7.77%

FCF(TTM)-13.31

FCFYN/A

OCF(TTM)-13.31

OCFYN/A

SpS56.25

BVpS109.21

TBVpS88.76

PEG (NY)4.35

PEG (5Y)1.2

Profitability

		Industry Rank	Sector Rank
ROA	1.42%
ROE	16.49%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.03%
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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.01
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-Score6

WACC10.82%

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)8.2%

EPS 3Y5.01%

EPS 5Y11.43%

EPS Q2Q%10.59%

EPS Next Y3.15%

EPS Next 2Y4.58%

EPS Next 3Y6.49%

EPS Next 5Y4.18%

Revenue 1Y (TTM)11.9%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%8.15%

Revenue Next Year-0.65%

Revenue Next 2Y0.69%

Revenue Next 3Y1.79%

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-423.82%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-423.82%

OCF growth 3YN/A

OCF growth 5YN/A

JPMORGAN CHASE & CO (CMC.DE) 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