JPMORGAN CHASE & CO (JPM)
US46625H1005 - Common Stock
JPM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. JPM has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, JPM is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year JPM was profitable.
JPM had a positive operating cash flow in the past year.
In the past 5 years JPM has always been profitable.
JPM had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.23%, JPM is in the better half of the industry, outperforming 79.13% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.57%, JPM belongs to the top of the industry, outperforming 87.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 14.57% | ||
| ROIC | N/A |
ROA(3y)1.15%
ROA(5y)1.11%
ROE(3y)14.22%
ROE(5y)13.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 30.21%, JPM is doing good in the industry, outperforming 76.21% 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) | 30.21% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.75%
PM growth 5Y1.36%
GM growth 3YN/A
GM growth 5YN/A
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
JPM has less shares outstanding than it did 5 years ago.
JPM has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of JPM is 47.16, which is on the high side as it means it would take JPM, 47.16 years of fcf income to pay off all of its debts.
JPM has a Debt to FCF ratio of 47.16. This is amonst the worse of the industry: JPM underperforms 88.11% of its industry peers.
JPM has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.87, JPM is not doing good in the industry: 91.26% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 47.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.37% over the past year.
JPM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.68% yearly.
Looking at the last year, JPM shows a very strong growth in Revenue. The Revenue has grown by 22.85%.
Measured over the past years, JPM shows a small growth in Revenue. The Revenue has been growing by 7.76% on average per year.
EPS 1Y (TTM)35.37%
EPS 3Y23.82%
EPS 5Y13.68%
EPS growth Q2Q-14.61%
Revenue 1Y (TTM)22.85%
Revenue growth 3Y9.64%
Revenue growth 5Y7.76%
Revenue growth Q2Q11.66%
3.2 Future
The Earnings Per Share is expected to decrease by -2.11% 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 0.15% yearly.
EPS Next Y-4.59%
EPS Next 2Y-1.09%
EPS Next 3Y1.72%
EPS Next 5Y-2.11%
Revenue Next Year1.78%
Revenue Next 2Y1.21%
Revenue Next 3Y2%
Revenue Next 5Y0.15%
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.
4. Valuation
4.1 Price/Earnings Ratio
JPM is valuated reasonably with a Price/Earnings ratio of 10.76.
JPM's Price/Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 61.65% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.80, JPM is valued rather cheaply.
A Price/Forward Earnings ratio of 11.28 indicates a reasonable valuation of JPM.
JPM's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.27, JPM is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 11.28 |
4.2 Price Multiples
84.22% of the companies in the same industry are cheaper than JPM, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 40.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y-1.09%
EPS Next 3Y1.72%
5. Dividend
5.1 Amount
JPM has a Yearly Dividend Yield of 2.55%.
Compared to an average industry Dividend Yield of 3.91, JPM is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, JPM has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
5.2 History
On average, the dividend of JPM grows each year by 8.96%, 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)8.96%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
JPM pays out 28.19% of its income as dividend. This is a sustainable payout ratio.
DP28.19%
EPS Next 2Y-1.09%
EPS Next 3Y1.72%
JPMORGAN CHASE & CO
NYSE:JPM (4/18/2024, 7:04:00 PM)
Premarket: 181.7 +0.45 (+0.25%)181.25
+1.17 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap520.57B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 11.28 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 14.57% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.21% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)35.37%
EPS 3Y23.82%
EPS 5Y
EPS growth Q2Q
EPS Next Y-4.59%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)22.85%
Revenue growth 3Y9.64%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y