JPMORGAN CHASE & CO (JPM) Stock Fundamental Analysis

NYSE:JPM • US46625H1005

302.55 USD
-0.09 (-0.03%)
At close: Feb 13, 2026
302.5 USD
-0.05 (-0.02%)
Pre-Market: 2/17/2026, 8:18:02 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, JPM scores 3 out of 10 in our fundamental rating. JPM was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of JPM while its profitability can be described as average. JPM is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years JPM has been profitable.
  • In multiple years JPM reported negative operating cash flow during the last 5 years.
JPM Yearly Net Income VS EBIT VS OCF VS FCFJPM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B -50B 100B

1.2 Ratios

  • JPM has a better Return On Assets (1.24%) than 79.00% of its industry peers.
  • JPM has a better Return On Equity (15.73%) than 94.23% of its industry peers.
Industry RankSector Rank
ROA 1.24%
ROE 15.73%
ROIC N/A
ROA(3y)1.3%
ROA(5y)1.23%
ROE(3y)15.47%
ROE(5y)14.9%
ROIC(3y)N/A
ROIC(5y)N/A
JPM Yearly ROA, ROE, ROICJPM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 31.58%, JPM belongs to the best of the industry, outperforming 83.46% of the companies in the same industry.
  • In the last couple of years the Profit Margin of JPM has grown nicely.
  • The Operating Margin and Gross Margin are not available for JPM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.05%
PM growth 5Y5.96%
GM growth 3YN/A
GM growth 5YN/A
JPM Yearly Profit, Operating, Gross MarginsJPM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • JPM has less shares outstanding than it did 1 year ago.
  • JPM has less shares outstanding than it did 5 years ago.
  • JPM has a worse debt/assets ratio than last year.
JPM Yearly Shares OutstandingJPM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
JPM Yearly Total Debt VS Total AssetsJPM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1T 2T 3T 4T

2.2 Solvency

  • A Debt/Equity ratio of 2.89 is on the high side and indicates that JPM has dependencies on debt financing.
  • The Debt to Equity ratio of JPM (2.89) is worse than 92.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.27%
JPM Yearly LT Debt VS Equity VS FCFJPM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B 400B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JPM Yearly Current Assets VS Current LiabilitesJPM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • JPM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.81%, which is quite good.
  • Measured over the past years, JPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.86% on average per year.
  • Looking at the last year, JPM shows a small growth in Revenue. The Revenue has grown by 2.75% in the last year.
  • The Revenue has been growing by 8.75% on average over the past years. This is quite good.
EPS 1Y (TTM)12.81%
EPS 3Y17.48%
EPS 5Y17.86%
EPS Q2Q%8.73%
Revenue 1Y (TTM)2.75%
Revenue growth 3Y12.34%
Revenue growth 5Y8.75%
Sales Q2Q%6.93%

3.2 Future

  • Based on estimates for the next years, JPM will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.32% on average per year.
  • Based on estimates for the next years, JPM will show a small growth in Revenue. The Revenue will grow by 3.87% on average per year.
EPS Next Y7.14%
EPS Next 2Y7.52%
EPS Next 3Y8.62%
EPS Next 5Y8.32%
Revenue Next Year5.52%
Revenue Next 2Y4.54%
Revenue Next 3Y5.17%
Revenue Next 5Y3.87%

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.
JPM Yearly Revenue VS EstimatesJPM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B 200B 250B
JPM Yearly EPS VS EstimatesJPM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10 20 30 40

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.00, which indicates a correct valuation of JPM.
  • JPM's Price/Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 66.93% of the companies in the same industry.
  • JPM is valuated rather cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 14.00, which indicates a correct valuation of JPM.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of JPM indicates a slightly more expensive valuation: JPM is more expensive than 70.08% of the companies listed in the same industry.
  • JPM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 15
Fwd PE 14
JPM Price Earnings VS Forward Price EarningsJPM 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
JPM Per share dataJPM 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 JPM does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.1
PEG (5Y)0.84
EPS Next 2Y7.52%
EPS Next 3Y8.62%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • JPM has a Yearly Dividend Yield of 1.98%.
  • Compared to an average industry Dividend Yield of 2.78, JPM is paying slightly less dividend.
  • JPM's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.98%

5.2 History

  • On average, the dividend of JPM grows each year by 6.07%, which is quite nice.
  • JPM has paid a dividend for at least 10 years, which is a reliable track record.
  • JPM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.07%
Div Incr Years14
Div Non Decr Years14
JPM Yearly Dividends per shareJPM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • JPM pays out 28.36% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of JPM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.36%
EPS Next 2Y7.52%
EPS Next 3Y8.62%
JPM Yearly Income VS Free CF VS DividendJPM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B -50B 100B
JPM Dividend Payout.JPM Dividend Payout, showing the Payout Ratio.JPM Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

JPMORGAN CHASE & CO

NYSE:JPM (2/13/2026, 8:20:27 PM)

Premarket: 302.5 -0.05 (-0.02%)

302.55

-0.09 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-13
Earnings (Next)04-14
Inst Owners73.94%
Inst Owner Change-0.3%
Ins Owners0.32%
Ins Owner Change0.21%
Market Cap831.94B
Revenue(TTM)182.45B
Net Income(TTM)56.66B
Analysts72.26
Price Target344.59 (13.9%)
Short Float %0.69%
Short Ratio1.7
Dividend
Industry RankSector Rank
Dividend Yield 1.98%
Yearly Dividend5.21
Dividend Growth(5Y)6.07%
DP28.36%
Div Incr Years14
Div Non Decr Years14
Ex-Date01-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.69%
Min EPS beat(2)3.81%
Max EPS beat(2)9.57%
EPS beat(4)4
Avg EPS beat(4)8.67%
Min EPS beat(4)3.81%
Max EPS beat(4)15.92%
EPS beat(8)7
Avg EPS beat(8)5.1%
EPS beat(12)11
Avg EPS beat(12)9.76%
EPS beat(16)14
Avg EPS beat(16)8.66%
Revenue beat(2)2
Avg Revenue beat(2)2.72%
Min Revenue beat(2)2.66%
Max Revenue beat(2)2.79%
Revenue beat(4)4
Avg Revenue beat(4)3.12%
Min Revenue beat(4)2.66%
Max Revenue beat(4)3.77%
Revenue beat(8)7
Avg Revenue beat(8)2.1%
Revenue beat(12)10
Avg Revenue beat(12)2.56%
Revenue beat(16)11
Avg Revenue beat(16)1.4%
PT rev (1m)1.17%
PT rev (3m)4.54%
EPS NQ rev (1m)1.08%
EPS NQ rev (3m)1.32%
EPS NY rev (1m)1.8%
EPS NY rev (3m)1.15%
Revenue NQ rev (1m)0.67%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)1.07%
Revenue NY rev (3m)2.23%
Valuation
Industry RankSector Rank
PE 15
Fwd PE 14
P/S 4.64
P/FCF N/A
P/OCF N/A
P/B 2.31
P/tB 2.81
EV/EBITDA N/A
EPS(TTM)20.17
EY6.67%
EPS(NY)21.61
Fwd EY7.14%
FCF(TTM)-43.55
FCFYN/A
OCF(TTM)-43.55
OCFYN/A
SpS65.25
BVpS131
TBVpS107.56
PEG (NY)2.1
PEG (5Y)0.84
Graham Number243.82
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 15.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.58%
GM N/A
FCFM N/A
ROA(3y)1.3%
ROA(5y)1.23%
ROE(3y)15.47%
ROE(5y)14.9%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.05%
PM growth 5Y5.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.89
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
WACC10.27%
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)12.81%
EPS 3Y17.48%
EPS 5Y17.86%
EPS Q2Q%8.73%
EPS Next Y7.14%
EPS Next 2Y7.52%
EPS Next 3Y8.62%
EPS Next 5Y8.32%
Revenue 1Y (TTM)2.75%
Revenue growth 3Y12.34%
Revenue growth 5Y8.75%
Sales Q2Q%6.93%
Revenue Next Year5.52%
Revenue Next 2Y4.54%
Revenue Next 3Y5.17%
Revenue Next 5Y3.87%
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 1Y7.56%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.56%
OCF growth 3YN/A
OCF growth 5YN/A

JPMORGAN CHASE & CO / JPM FAQ

What is the fundamental rating for JPM stock?

ChartMill assigns a fundamental rating of 3 / 10 to JPM.


What is the valuation status for JPM stock?

ChartMill assigns a valuation rating of 2 / 10 to JPMORGAN CHASE & CO (JPM). This can be considered as Overvalued.


Can you provide the profitability details for JPMORGAN CHASE & CO?

JPMORGAN CHASE & CO (JPM) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for JPM stock?

The Price/Earnings (PE) ratio for JPMORGAN CHASE & CO (JPM) is 15 and the Price/Book (PB) ratio is 2.31.


Can you provide the expected EPS growth for JPM stock?

The Earnings per Share (EPS) of JPMORGAN CHASE & CO (JPM) is expected to grow by 7.14% in the next year.