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JPMORGAN CHASE & CO (1JPM.MI) Stock Fundamental Analysis

BIT:1JPM - Euronext Milan - US46625H1005 - Common Stock - Currency: EUR

221.35  -46.9 (-17.48%)

Fundamental Rating

3

Overall 1JPM gets a fundamental rating of 3 out of 10. We evaluated 1JPM against 99 industry peers in the Banks industry. 1JPM has a bad profitability rating. Also its financial health evaluation is rather negative. 1JPM is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year 1JPM was profitable.
1JPM had a negative operating cash flow in the past year.
In the past 5 years 1JPM has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: 1JPM reported negative operating cash flow in multiple years.
1JPM.MI Yearly Net Income VS EBIT VS OCF VS FCF1JPM.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

1.2 Ratios

The Return On Assets of 1JPM (1.24%) is better than 75.58% of its industry peers.
Looking at the Return On Equity, with a value of 15.06%, 1JPM is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
Industry RankSector Rank
ROA 1.24%
ROE 15.06%
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
1JPM.MI Yearly ROA, ROE, ROIC1JPM.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 30.03%, 1JPM is in the better half of the industry, outperforming 77.91% of the companies in the same industry.
In the last couple of years the Profit Margin of 1JPM has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for 1JPM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.03%
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
1JPM.MI Yearly Profit, Operating, Gross Margins1JPM.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

1JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
1JPM has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1JPM has been reduced compared to 5 years ago.
The debt/assets ratio for 1JPM is higher compared to a year ago.
1JPM.MI Yearly Shares Outstanding1JPM.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1JPM.MI Yearly Total Debt VS Total Assets1JPM.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T 4T

2.2 Solvency

A Debt/Equity ratio of 2.37 is on the high side and indicates that 1JPM has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.37, 1JPM is in line with its industry, outperforming 40.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.37
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.87%
1JPM.MI Yearly LT Debt VS Equity VS FCF1JPM.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B 300B 400B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1JPM.MI Yearly Current Assets VS Current Liabilites1JPM.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

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4

3. Growth

3.1 Past

1JPM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.18%.
Measured over the past years, 1JPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.43% on average per year.
Looking at the last year, 1JPM shows a quite strong growth in Revenue. The Revenue has grown by 12.30% in the last year.
Measured over the past years, 1JPM shows a quite strong growth in Revenue. The Revenue has been growing by 8.94% on average per year.
EPS 1Y (TTM)6.18%
EPS 3Y5.01%
EPS 5Y11.43%
EPS Q2Q%58.22%
Revenue 1Y (TTM)12.3%
Revenue growth 3Y13.43%
Revenue growth 5Y8.94%
Sales Q2Q%9.5%

3.2 Future

Based on estimates for the next years, 1JPM will show a small growth in Earnings Per Share. The EPS will grow by 4.18% on average per year.
The Revenue is expected to grow by 0.63% on average over the next years.
EPS Next Y3.63%
EPS Next 2Y5.27%
EPS Next 3Y6.3%
EPS Next 5Y4.18%
Revenue Next Year-1.09%
Revenue Next 2Y1.24%
Revenue Next 3Y2.17%
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.
1JPM.MI Yearly Revenue VS Estimates1JPM.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B 150B
1JPM.MI Yearly EPS VS Estimates1JPM.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5 10 15 20 25

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.97, which indicates a correct valuation of 1JPM.
Based on the Price/Earnings ratio, 1JPM is valued expensively inside the industry as 95.35% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of 1JPM to the average of the S&P500 Index (29.35), we can say 1JPM is valued rather cheaply.
The Price/Forward Earnings ratio is 12.52, which indicates a correct valuation of 1JPM.
86.05% of the companies in the same industry are cheaper than 1JPM, based on the Price/Forward Earnings ratio.
1JPM's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 12.97
Fwd PE 12.52
1JPM.MI Price Earnings VS Forward Price Earnings1JPM.MI 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
1JPM.MI Per share data1JPM.MI 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 1JPM does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.58
PEG (5Y)1.13
EPS Next 2Y5.27%
EPS Next 3Y6.3%

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4

5. Dividend

5.1 Amount

1JPM has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.93, 1JPM pays less dividend than the industry average, which is at 5.06. 95.35% of the companies listed in the same industry pay a better dividend than 1JPM!
Compared to an average S&P500 Dividend Yield of 2.33, 1JPM has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.93%

5.2 History

On average, the dividend of 1JPM grows each year by 8.96%, which is quite nice.
Dividend Growth(5Y)8.96%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

27.56% of the earnings are spent on dividend by 1JPM. This is a low number and sustainable payout ratio.
1JPM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.56%
EPS Next 2Y5.27%
EPS Next 3Y6.3%
1JPM.MI Yearly Income VS Free CF VS Dividend1JPM.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B
1JPM.MI Dividend Payout.1JPM.MI Dividend Payout, showing the Payout Ratio.1JPM.MI Dividend Payout.PayoutRetained Earnings

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JPMORGAN CHASE & CO

BIT:1JPM (3/7/2025, 7:00:00 PM)

221.35

-46.9 (-17.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15 2025-01-15/bmo
Earnings (Next)04-11 2025-04-11/bmo
Inst Owners74.27%
Inst Owner ChangeN/A
Ins Owners0.41%
Ins Owner ChangeN/A
Market Cap623.18B
Analysts73.57
Price Target254.29 (14.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend4.45
Dividend Growth(5Y)8.96%
DP27.56%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.34%
Min EPS beat(2)0.74%
Max EPS beat(2)7.95%
EPS beat(4)3
Avg EPS beat(4)1.53%
Min EPS beat(4)-9.41%
Max EPS beat(4)7.95%
EPS beat(8)7
Avg EPS beat(8)10.31%
EPS beat(12)10
Avg EPS beat(12)8.65%
EPS beat(16)14
Avg EPS beat(16)14.62%
Revenue beat(2)2
Avg Revenue beat(2)2.13%
Min Revenue beat(2)1.23%
Max Revenue beat(2)3.03%
Revenue beat(4)3
Avg Revenue beat(4)1.08%
Min Revenue beat(4)-0.58%
Max Revenue beat(4)3.03%
Revenue beat(8)5
Avg Revenue beat(8)1.68%
Revenue beat(12)6
Avg Revenue beat(12)0.42%
Revenue beat(16)9
Avg Revenue beat(16)0.64%
PT rev (1m)9.38%
PT rev (3m)12.87%
EPS NQ rev (1m)5.66%
EPS NQ rev (3m)5.66%
EPS NY rev (1m)8.61%
EPS NY rev (3m)9.57%
Revenue NQ rev (1m)1.56%
Revenue NQ rev (3m)1.56%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)3.95%
Valuation
Industry RankSector Rank
PE 12.97
Fwd PE 12.52
P/S 3.77
P/FCF N/A
P/OCF N/A
P/B 1.89
P/tB 2.32
EV/EBITDA N/A
EPS(TTM)17.07
EY7.71%
EPS(NY)17.68
Fwd EY7.99%
FCF(TTM)-43.92
FCFYN/A
OCF(TTM)-43.92
OCFYN/A
SpS58.77
BVpS117.25
TBVpS95.4
PEG (NY)3.58
PEG (5Y)1.13
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 15.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.03%
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-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.37
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
WACC9.87%
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)6.18%
EPS 3Y5.01%
EPS 5Y11.43%
EPS Q2Q%58.22%
EPS Next Y3.63%
EPS Next 2Y5.27%
EPS Next 3Y6.3%
EPS Next 5Y4.18%
Revenue 1Y (TTM)12.3%
Revenue growth 3Y13.43%
Revenue growth 5Y8.94%
Sales Q2Q%9.5%
Revenue Next Year-1.09%
Revenue Next 2Y1.24%
Revenue Next 3Y2.17%
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-340.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-340.04%
OCF growth 3YN/A
OCF growth 5YN/A