JPMORGAN CHASE & CO(NYSE:JPM) stock Fundamental Analysis

Fundamental Rating

JPM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 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. JPM is quite expensive at the moment. It does show a decent growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year JPM was profitable.

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 1.42%, JPM belongs to the top of the industry, outperforming 88.44% of the companies in the same industry.

JPM has a Return On Equity of 16.49%. This is amongst the best in the industry. JPM outperforms 94.22% of its industry peers.

		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

With an excellent Profit Margin value of 32.03%, JPM belongs to the best of the industry, outperforming 86.93% of the companies in the same industry.

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

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)	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

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.

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

Compared to 5 years ago, JPM has less shares outstanding

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

2.2 Solvency

JPM has a Debt/Equity ratio of 2.01. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of JPM (2.01) is worse than 90.70% of its industry peers.

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

ROIC/WACCN/A

WACC10.91%

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 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.

The Revenue has grown by 11.90% in the past year. This is quite good.

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)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, JPM 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-1.34%

Revenue Next 2Y0.93%

Revenue Next 3Y1.75%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.48, the valuation of JPM can be described as correct.

Based on the Price/Earnings ratio, JPM is valued a bit more expensive than 60.05% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.29. JPM is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 11.71, which indicates a very decent valuation of JPM.

JPM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 65.08% of the companies in the same industry.

JPM's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.32.

		Industry Rank	Sector Rank
PE	12.48
Fwd PE	11.71

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)3.96

PEG (5Y)1.09

EPS Next 2Y4.58%

EPS Next 3Y6.49%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.41%, JPM has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.66, JPM is paying slightly less dividend.

JPM's Dividend Yield is comparable with the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	2.41%

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 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

5.3 Sustainability

26.00% of the earnings are spent on dividend by JPM. This is a low number and sustainable payout ratio.

JPM'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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

JPMORGAN CHASE & CO

NYSE:JPM (4/21/2025, 4:52:36 PM)

After market: 228.99 0 (0%)

228.99

-2.97 (-1.28%)

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 Change1.17%

Ins Owners0.41%

Ins Owner Change4.5%

Market Cap637.28B

Analysts75

Price Target270.91 (18.31%)

Short Float %1.06%

Short Ratio2.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.41%

Yearly Dividend5.21

Dividend Growth(5Y)6.07%

DP26%

Div Incr Years14

Div Non Decr Years14

Ex-Date04-04 2025-04-04 (1.4)

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)-1.12%

PT rev (3m)8.88%

EPS NQ rev (1m)0.84%

EPS NQ rev (3m)8.37%

EPS NY rev (1m)-0.46%

EPS NY rev (3m)8.11%

Revenue NQ rev (1m)0.37%

Revenue NQ rev (3m)3.51%

Revenue NY rev (1m)-0.32%

Revenue NY rev (3m)2.35%

Valuation

		Industry Rank	Sector Rank
PE	12.48
Fwd PE	11.71
P/S	3.59
P/FCF	N/A
P/OCF	N/A
P/B	1.85
P/tB	2.27
EV/EBITDA	N/A

EPS(TTM)18.35

EY8.01%

EPS(NY)19.56

Fwd EY8.54%

FCF(TTM)-15.1

FCFYN/A

OCF(TTM)-15.1

OCFYN/A

SpS63.8

BVpS123.88

TBVpS100.68

PEG (NY)3.96

PEG (5Y)1.09

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

WACC10.91%

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-1.34%

Revenue Next 2Y0.93%

Revenue Next 3Y1.75%

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 (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