JPMORGAN CHASE & CO (1JPM.MI) Stock Fundamental Analysis
BIT:1JPM - Euronext Milan - US46625H1005 - Common Stock - Currency: EUR
1JPM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. While 1JPM is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, 1JPM is valued expensive at the moment.
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 (1.42%) is better than 88.66% of its industry peers.
1JPM has a better Return On Equity (16.49%) than 85.57% 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
The Profit Margin of 1JPM (32.03%) is better than 82.47% of its industry peers.
1JPM's Profit Margin has been stable in the last couple of years.
1JPM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
2. Health
2.1 Basic Checks
1JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1JPM has been reduced compared to 1 year ago.
Compared to 5 years ago, 1JPM has less shares outstanding
1JPM has a worse debt/assets ratio than last year.
2.2 Solvency
1JPM has a Debt/Equity ratio of 2.01. This is a high value indicating a heavy dependency on external financing.
1JPM has a Debt to Equity ratio of 2.01. This is comparable to the rest of the industry: 1JPM outperforms 53.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1JPM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.20%, which is quite good.
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.
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)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
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.
Based on estimates for the next years, 1JPM 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
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.
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
With a Price/Earnings ratio of 12.60, 1JPM is valued correctly.
1JPM's Price/Earnings ratio is rather expensive when compared to the industry. 1JPM is more expensive than 85.57% of the companies in the same industry.
1JPM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.78.
With a Price/Forward Earnings ratio of 11.82, the valuation of 1JPM can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1JPM indicates a slightly more expensive valuation: 1JPM is more expensive than 74.23% of the companies listed in the same industry.
1JPM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 11.82 |
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)4
PEG (5Y)1.1
EPS Next 2Y4.58%
EPS Next 3Y6.49%
5. Dividend
5.1 Amount
1JPM has a Yearly Dividend Yield of 2.41%.
With a Dividend Yield of 2.41, 1JPM pays less dividend than the industry average, which is at 5.42. 93.81% of the companies listed in the same industry pay a better dividend than 1JPM!
Compared to an average S&P500 Dividend Yield of 2.46, 1JPM has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
The dividend of 1JPM is nicely growing with an annual growth rate of 6.07%!
Dividend Growth(5Y)6.07%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
26.00% 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.
DP26%
EPS Next 2Y4.58%
EPS Next 3Y6.49%
BIT:1JPM (4/22/2025, 7:00:00 PM)
203.55
+1.25 (+0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.27%
Inst Owner ChangeN/A
Ins Owners0.41%
Ins Owner ChangeN/A
Market Cap566.48B
Analysts75
Price Target247.16 (21.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Yearly Dividend4.59
Dividend Growth(5Y)6.07%
DP26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)6
Avg Revenue beat(8)2.2%
Revenue beat(12)7
Avg Revenue beat(12)0.99%
Revenue beat(16)9
Avg Revenue beat(16)0.8%
PT rev (1m)-4.88%
PT rev (3m)6.31%
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 | 12.6 | ||
| Fwd PE | 11.82 | ||
| P/S | 3.62 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.87 | ||
| P/tB | 2.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.16
EY7.94%
EPS(NY)17.22
Fwd EY8.46%
FCF(TTM)-13.29
FCFYN/A
OCF(TTM)-13.29
OCFYN/A
SpS56.18
BVpS109.08
TBVpS88.65
PEG (NY)4
PEG (5Y)1.1
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
WACC10.9%
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