JPM Fundamental Analysis - JPMORGAN CHASE & CO

Fundamental Rating

Taking everything into account, JPM scores 3 out of 10 in our fundamental rating. JPM was compared to 395 industry peers in the Banks industry. JPM has a medium profitability rating, but doesn't score so well on its financial health evaluation. JPM is valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

JPM had positive earnings in the past year.

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

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.

1.2 Ratios

JPM has a Return On Assets of 1.21%. This is in the better half of the industry: JPM outperforms 79.75% of its industry peers.

Looking at the Return On Equity, with a value of 15.45%, JPM belongs to the top of the industry, outperforming 93.67% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.21%
ROE	15.45%
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

Looking at the Profit Margin, with a value of 31.40%, JPM belongs to the top of the industry, outperforming 84.30% of the companies in the same industry.

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

The Operating Margin and Gross Margin are not available for JPM so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	31.4%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

Compared to 1 year ago, JPM has less shares outstanding

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

JPM has a Debt/Equity ratio of 3.03. This is a high value indicating a heavy dependency on external financing.

JPM has a Debt to Equity ratio of 3.03. This is amonst the worse of the industry: JPM underperforms 92.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.03
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.63%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.30% over the past year.

Measured over the past years, JPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.43% on average per year.

JPM shows a small growth in Revenue. In the last year, the Revenue has grown by 2.97%.

JPM 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

The Earnings Per Share is expected to grow by 6.30% on average over the next years.

JPM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.

EPS Next Y10.26%

EPS Next 2Y7.15%

EPS Next 3Y7.35%

EPS Next 5Y6.3%

Revenue Next Year1.06%

Revenue Next 2Y1.87%

Revenue Next 3Y2.59%

Revenue Next 5Y1.75%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.71, which indicates a correct valuation of JPM.

Based on the Price/Earnings ratio, JPM is valued a bit more expensive than the industry average as 69.62% of the companies are valued more cheaply.

The average S&P500 Price/Earnings ratio is at 26.90. JPM is valued slightly cheaper when compared to this.

Based on the Price/Forward Earnings ratio of 14.58, the valuation of JPM can be described as correct.

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 72.15% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, JPM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	15.71
Fwd PE	14.58

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.53

PEG (5Y)1.37

EPS Next 2Y7.15%

EPS Next 3Y7.35%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

JPM has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.

JPM's Dividend Yield is slightly below the industry average, which is at 3.17.

Compared to an average S&P500 Dividend Yield of 2.32, JPM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.86%

5.2 History

The dividend of JPM is nicely growing with an annual growth rate of 6.07%!

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 28.18% of its income as dividend. This is a sustainable payout ratio.

JPM's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP28.18%

EPS Next 2Y7.15%

EPS Next 3Y7.35%

More info and screens

Find the best dividend stocks

Show peers with best dividend

JPMORGAN CHASE & CO

NYSE:JPM (9/3/2025, 10:35:03 AM)

299.255

-0.44 (-0.15%)

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 Owners73.9%

Inst Owner Change1.27%

Ins Owners0.38%

Ins Owner Change1.32%

Market Cap822.88B

Analysts72.67

Price Target311.05 (3.94%)

Short Float %0.88%

Short Ratio2.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.86%

Yearly Dividend5.21

Dividend Growth(5Y)6.07%

DP28.18%

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)7.47%

Min EPS beat(2)5.36%

Max EPS beat(2)9.57%

EPS beat(4)4

Avg EPS beat(4)9.7%

Min EPS beat(4)5.36%

Max EPS beat(4)15.92%

EPS beat(8)7

Avg EPS beat(8)6.2%

EPS beat(12)11

Avg EPS beat(12)10.73%

EPS beat(16)14

Avg EPS beat(16)9.89%

Revenue beat(2)2

Avg Revenue beat(2)2.97%

Min Revenue beat(2)2.66%

Max Revenue beat(2)3.28%

Revenue beat(4)4

Avg Revenue beat(4)3.18%

Min Revenue beat(4)2.66%

Max Revenue beat(4)3.77%

Revenue beat(8)7

Avg Revenue beat(8)1.96%

Revenue beat(12)10

Avg Revenue beat(12)2.41%

Revenue beat(16)10

Avg Revenue beat(16)1.14%

PT rev (1m)2.33%

PT rev (3m)16.82%

EPS NQ rev (1m)0.29%

EPS NQ rev (3m)1.15%

EPS NY rev (1m)6.01%

EPS NY rev (3m)6.7%

Revenue NQ rev (1m)0.1%

Revenue NQ rev (3m)1.11%

Revenue NY rev (1m)-0.16%

Revenue NY rev (3m)1.94%

Valuation

		Industry Rank	Sector Rank
PE	15.71
Fwd PE	14.58
P/S	4.68
P/FCF	N/A
P/OCF	N/A
P/B	2.31
P/tB	2.81
EV/EBITDA	N/A

EPS(TTM)19.05

EY6.37%

EPS(NY)20.53

Fwd EY6.86%

FCF(TTM)-54.05

FCFYN/A

OCF(TTM)-54.05

OCFYN/A

SpS63.88

BVpS129.8

TBVpS106.36

PEG (NY)1.53

PEG (5Y)1.37

Profitability

		Industry Rank	Sector Rank
ROA	1.21%
ROE	15.45%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.4%
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-Score3

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	3.03
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

WACC10.63%

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 Y10.26%

EPS Next 2Y7.15%

EPS Next 3Y7.35%

EPS Next 5Y6.3%

Revenue 1Y (TTM)2.97%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%-10.42%

Revenue Next Year1.06%

Revenue Next 2Y1.87%

Revenue Next 3Y2.59%

Revenue Next 5Y1.75%

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-1488.11%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-1488.11%

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