JPM Fundamental Analysis - JPMORGAN CHASE & CO

Fundamental Rating

Overall JPM gets a fundamental rating of 3 out of 10. We evaluated JPM against 395 industry peers in the Banks industry. While JPM is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, JPM is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

JPM had positive earnings in the past year.

In the past year JPM has reported a negative cash flow from operations.

In the past 5 years JPM has always been profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.34%, JPM belongs to the top of the industry, outperforming 84.56% of the companies in the same industry.

JPM's Return On Equity of 16.57% is amongst the best of the industry. JPM outperforms 95.19% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

JPM has a better Profit Margin (32.19%) than 86.58% of its industry peers.

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

JPM 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)	32.19%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

The number of shares outstanding for JPM has been reduced compared to 1 year ago.

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

The debt/assets ratio for JPM is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.79 is on the high side and indicates that JPM has dependencies on debt financing.

With a Debt to Equity ratio value of 2.79, JPM is not doing good in the industry: 93.67% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.79
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.22%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

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.

JPM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.90%.

The Revenue has been growing by 8.94% on average over the past years. This is quite good.

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

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

EPS Next Y3.51%

EPS Next 2Y4.88%

EPS Next 3Y6.43%

EPS Next 5Y4.18%

Revenue Next Year-0.85%

Revenue Next 2Y0.68%

Revenue Next 3Y1.82%

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

The Price/Earnings ratio is 15.90, which indicates a correct valuation of JPM.

Compared to the rest of the industry, the Price/Earnings ratio of JPM indicates a slightly more expensive valuation: JPM is more expensive than 69.87% of the companies listed in the same industry.

JPM's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.21.

Based on the Price/Forward Earnings ratio of 14.84, the valuation of JPM can be described as correct.

JPM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 72.91% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.70, JPM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	15.9
Fwd PE	14.84

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 JPM does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)4.52

PEG (5Y)1.39

EPS Next 2Y4.88%

EPS Next 3Y6.43%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.94%, JPM has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, JPM is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.42, JPM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.94%

5.2 History

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

JPM has been paying a dividend for at least 10 years, so it has a reliable track record.

JPM has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)6.07%

Div Incr Years14

Div Non Decr Years14

5.3 Sustainability

JPM pays out 25.95% of its income as dividend. This is a sustainable payout ratio.

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

DP25.95%

EPS Next 2Y4.88%

EPS Next 3Y6.43%

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JPMORGAN CHASE & CO

NYSE:JPM (7/2/2025, 3:42:10 PM)

291.795

+1.38 (+0.48%)

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 Owners73.85%

Inst Owner Change0.02%

Ins Owners0.38%

Ins Owner Change2.76%

Market Cap810.92B

Analysts74

Price Target278.59 (-4.53%)

Short Float %0.96%

Short Ratio3.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.94%

Yearly Dividend5.21

Dividend Growth(5Y)6.07%

DP25.95%

Div Incr Years14

Div Non Decr Years14

Ex-Date07-03 2025-07-03 (1.4)

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)7

Avg Revenue beat(8)2.6%

Revenue beat(12)9

Avg Revenue beat(12)1.79%

Revenue beat(16)10

Avg Revenue beat(16)1.02%

PT rev (1m)4.63%

PT rev (3m)1.92%

EPS NQ rev (1m)-0.02%

EPS NQ rev (3m)-3.83%

EPS NY rev (1m)0.17%

EPS NY rev (3m)-0.09%

Revenue NQ rev (1m)0.01%

Revenue NQ rev (3m)-0.19%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)0.17%

Valuation

		Industry Rank	Sector Rank
PE	15.9
Fwd PE	14.84
P/S	4.48
P/FCF	N/A
P/OCF	N/A
P/B	2.31
P/tB	2.83
EV/EBITDA	N/A

EPS(TTM)18.35

EY6.29%

EPS(NY)19.67

Fwd EY6.74%

FCF(TTM)-50.27

FCFYN/A

OCF(TTM)-50.27

OCFYN/A

SpS65.1

BVpS126.45

TBVpS103.23

PEG (NY)4.52

PEG (5Y)1.39

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC11.22%

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 Y3.51%

EPS Next 2Y4.88%

EPS Next 3Y6.43%

EPS Next 5Y4.18%

Revenue 1Y (TTM)11.9%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%8.15%

Revenue Next Year-0.85%

Revenue Next 2Y0.68%

Revenue Next 3Y1.82%

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

JPMORGAN CHASE & CO (JPM) 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