JPMORGAN CHASE & CO(FRA:CMC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CMC. CMC was compared to 99 industry peers in the Banks industry. There are concerns on the financial health of CMC while its profitability can be described as average. While showing a medium growth rate, CMC is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

CMC had positive earnings in the past year.

In the past year CMC has reported a negative cash flow from operations.

In the past 5 years CMC has always been profitable.

In multiple years CMC reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of CMC (1.42%) is better than 86.02% of its industry peers.

CMC's Return On Equity of 16.49% is amongst the best of the industry. CMC outperforms 80.65% 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

CMC has a Profit Margin of 32.03%. This is amongst the best in the industry. CMC outperforms 82.80% of its industry peers.

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

CMC 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CMC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CMC has less shares outstanding

The number of shares outstanding for CMC has been reduced compared to 5 years ago.

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

2.2 Solvency

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

CMC's Debt to Equity ratio of 2.01 is in line compared to the rest of the industry. CMC outperforms 51.61% of its industry peers.

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

ROIC/WACCN/A

WACC10.72%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.18% over the past year.

CMC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.43% yearly.

The Revenue has grown by 12.30% in the past year. This is quite good.

The Revenue has been growing by 8.94% on average over the past years. This is quite good.

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 Y3.63%

EPS Next 2Y5.27%

EPS Next 3Y6.3%

EPS Next 5Y4.18%

Revenue Next Year-1.02%

Revenue Next 2Y1.26%

Revenue Next 3Y2.21%

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.

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4. Valuation

4.1 Price/Earnings Ratio

CMC is valuated correctly with a Price/Earnings ratio of 13.44.

87.10% of the companies in the same industry are cheaper than CMC, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 29.35, CMC is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 12.97, the valuation of CMC can be described as correct.

CMC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CMC is more expensive than 75.27% of the companies in the same industry.

CMC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.44
Fwd PE	12.97

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)3.71

PEG (5Y)1.18

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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5. Dividend

5.1 Amount

CMC has a Yearly Dividend Yield of 2.03%. Purely for dividend investing, there may be better candidates out there.

With a Dividend Yield of 2.03, CMC pays less dividend than the industry average, which is at 5.06. 94.62% of the companies listed in the same industry pay a better dividend than CMC!

Compared to an average S&P500 Dividend Yield of 2.33, CMC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.03%

5.2 History

On average, the dividend of CMC grows each year by 6.07%, which is quite nice.

Dividend Growth(5Y)6.07%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

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

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

DP26%

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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JPMORGAN CHASE & CO

FRA:CMC (3/7/2025, 7:00:00 PM)

221.4

-7.35 (-3.21%)

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 Cap619.06B

Analysts73.57

Price Target260.2 (17.52%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.03%

Yearly Dividend4.8

Dividend Growth(5Y)6.07%

DP26%

Div Incr Years6

Div Non Decr Years6

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)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)1.87%

PT rev (3m)14.79%

EPS NQ rev (1m)-0.06%

EPS NQ rev (3m)7.07%

EPS NY rev (1m)-0.12%

EPS NY rev (3m)9.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.92%

Revenue NY rev (1m)0.07%

Revenue NY rev (3m)3.99%

Valuation

		Industry Rank	Sector Rank
PE	13.44
Fwd PE	12.97
P/S	3.79
P/FCF	N/A
P/OCF	N/A
P/B	1.95
P/tB	2.4
EV/EBITDA	N/A

EPS(TTM)16.47

EY7.44%

EPS(NY)17.07

Fwd EY7.71%

FCF(TTM)-13.84

FCFYN/A

OCF(TTM)-13.84

OCFYN/A

SpS58.49

BVpS113.57

TBVpS92.3

PEG (NY)3.71

PEG (5Y)1.18

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

WACC10.72%

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-1.02%

Revenue Next 2Y1.26%

Revenue Next 3Y2.21%

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 (CMC.DE) 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

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