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 98 industry peers in the Banks industry. Both the profitability and financial health of CMC have multiple concerns. CMC is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

CMC had positive earnings in the past year.

CMC had a negative operating cash flow in the past year.

Each year in the past 5 years CMC has been profitable.

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

1.2 Ratios

CMC has a Return On Assets of 1.24%. This is amongst the best in the industry. CMC outperforms 82.95% of its industry peers.

With a decent Return On Equity value of 15.06%, CMC is doing good in the industry, outperforming 77.27% of the companies in the same industry.

		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

CMC's Profit Margin of 30.03% is fine compared to the rest of the industry. CMC outperforms 78.41% of its industry peers.

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

The Operating Margin and Gross Margin are not available for CMC 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

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.

CMC has a worse debt/assets ratio than last year.

2.2 Solvency

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

CMC's Debt to Equity ratio of 2.37 is in line compared to the rest of the industry. CMC outperforms 40.91% of its industry peers.

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

ROIC/WACCN/A

WACC10.43%

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

CMC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.18%.

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.

Measured over the past years, CMC 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

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

Based on estimates for the next years, CMC will show a small growth in Revenue. The Revenue will grow by 0.63% on average per year.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.98, CMC is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of CMC indicates a rather expensive valuation: CMC more expensive than 94.32% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of CMC to the average of the S&P500 Index (28.47), we can say CMC is valued slightly cheaper.

The Price/Forward Earnings ratio is 14.44, which indicates a correct valuation of CMC.

Based on the Price/Forward Earnings ratio, CMC is valued more expensive than 85.23% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, CMC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.98
Fwd PE	14.44

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)1.31

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.86%, CMC has a reasonable but not impressive dividend return.

With a Dividend Yield of 1.86, CMC pays less dividend than the industry average, which is at 5.05. 94.32% of the companies listed in the same industry pay a better dividend than CMC!

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

		Industry Rank	Sector Rank
Dividend Yield	1.86%

5.2 History

On average, the dividend of CMC grows each year by 8.96%, which is quite nice.

Dividend Growth(5Y)8.96%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

27.56% 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.

DP27.56%

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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JPMORGAN CHASE & CO

FRA:CMC (2/5/2025, 4:31:55 PM)

259.2

+0.55 (+0.21%)

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 Cap729.74B

Analysts72.86

Price Target255.41 (-1.46%)

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 Years6

Div Non Decr Years6

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)6

Avg Revenue beat(8)2.28%

Revenue beat(12)7

Avg Revenue beat(12)0.82%

Revenue beat(16)10

Avg Revenue beat(16)0.94%

PT rev (1m)6.74%

PT rev (3m)19.8%

EPS NQ rev (1m)5.66%

EPS NQ rev (3m)5.71%

EPS NY rev (1m)8.74%

EPS NY rev (3m)9.71%

Revenue NQ rev (1m)1.56%

Revenue NQ rev (3m)1.55%

Revenue NY rev (1m)3.47%

Revenue NY rev (3m)3.97%

Valuation

		Industry Rank	Sector Rank
PE	14.98
Fwd PE	14.44
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

EY6.67%

EPS(NY)17.95

Fwd EY6.92%

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

WACC10.43%

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 (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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