JPMORGAN CHASE & CO(BIT:1JPM) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, 1JPM scores 3 out of 10 in our fundamental rating. 1JPM was compared to 98 industry peers in the Banks industry. Both the profitability and financial health of 1JPM have multiple concerns. While showing a medium growth rate, 1JPM is valued expensive at the moment.

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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.

1.2 Ratios

The Return On Assets of 1JPM (1.24%) is better than 81.82% of its industry peers.

1JPM's Return On Equity of 15.06% is fine compared to the rest of the industry. 1JPM outperforms 76.14% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

1JPM has a Profit Margin of 30.03%. This is in the better half of the industry: 1JPM outperforms 77.27% of its industry peers.

1JPM's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for 1JPM so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, 1JPM has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.37 is on the high side and indicates that 1JPM has dependencies on debt financing.

The Debt to Equity ratio of 1JPM (2.37) is worse than 60.23% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.37
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.42%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

The Earnings Per Share has been growing by 11.43% on average over the past years. This is quite good.

1JPM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.30%.

1JPM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.94% yearly.

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

The Earnings Per Share is expected to grow by 4.18% on average over the next years.

The Revenue is expected to grow by 0.63% on average over the next years.

EPS Next Y3.75%

EPS Next 2Y5.27%

EPS Next 3Y6.3%

EPS Next 5Y4.18%

Revenue Next Year-1.06%

Revenue Next 2Y1.28%

Revenue Next 3Y2.15%

Revenue Next 5Y0.63%

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.

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4. Valuation

4.1 Price/Earnings Ratio

1JPM is valuated correctly with a Price/Earnings ratio of 14.97.

95.45% of the companies in the same industry are cheaper than 1JPM, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 28.47. 1JPM is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 14.42, 1JPM is valued correctly.

86.36% of the companies in the same industry are cheaper than 1JPM, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of 1JPM to the average of the S&P500 Index (92.74), we can say 1JPM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.97
Fwd PE	14.42

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 1JPM does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)4

PEG (5Y)1.31

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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5. Dividend

5.1 Amount

1JPM has a Yearly Dividend Yield of 1.86%.

Compared to an average industry Dividend Yield of 5.05, 1JPM's dividend is way lower than its industry peers. On top of this 95.45% of the companies listed in the same industry pay a better dividend than 1JPM!

Compared to an average S&P500 Dividend Yield of 2.28, 1JPM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.86%

5.2 History

The dividend of 1JPM is nicely growing with an annual growth rate of 8.96%!

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.

The dividend of 1JPM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP27.56%

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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JPMORGAN CHASE & CO

BIT:1JPM (2/3/2025, 7:00:00 PM)

258.9

+1.9 (+0.74%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-15 2025-01-15/bmo

Earnings (Next)N/A N/A

Inst Owners73.75%

Inst Owner ChangeN/A

Ins Owners0.46%

Ins Owner ChangeN/A

Market Cap728.89B

Analysts72.86

Price Target254.29 (-1.78%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.86%

Yearly Dividend4.63

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)28.13%

EPS NQ rev (1m)5.66%

EPS NQ rev (3m)12.49%

EPS NY rev (1m)8.74%

EPS NY rev (3m)7.74%

Revenue NQ rev (1m)1.56%

Revenue NQ rev (3m)3.85%

Revenue NY rev (1m)3.47%

Revenue NY rev (3m)3.87%

Valuation

		Industry Rank	Sector Rank
PE	14.97
Fwd PE	14.42
P/S	4.35
P/FCF	N/A
P/OCF	N/A
P/B	2.18
P/tB	2.68
EV/EBITDA	N/A

EPS(TTM)17.3

EY6.68%

EPS(NY)17.95

Fwd EY6.93%

FCF(TTM)-44.52

FCFYN/A

OCF(TTM)-44.52

OCFYN/A

SpS59.58

BVpS118.86

TBVpS96.71

PEG (NY)4

PEG (5Y)1.31

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC10.42%

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 Y3.75%

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-1.06%

Revenue Next 2Y1.28%

Revenue Next 3Y2.15%

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

JPMORGAN CHASE & CO (1JPM.MI) 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