JPMORGAN CHASE & CO(NYSE:JPM) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, JPM scores 3 out of 10 in our fundamental rating. JPM was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of JPM while its profitability can be described as average. JPM is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

JPM had positive earnings in the past year.

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

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

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

1.2 Ratios

JPM has a better Return On Assets (1.42%) than 88.69% of its industry peers.

The Return On Equity of JPM (16.49%) is better than 93.72% 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 JPM (32.03%) is better than 86.68% of its industry peers.

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

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

		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

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

JPM has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, JPM has less shares outstanding

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

2.2 Solvency

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

JPM has a Debt to Equity ratio of 2.01. This is amonst the worse of the industry: JPM underperforms 90.70% of its industry peers.

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

ROIC/WACCN/A

WACC11%

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

The Earnings Per Share has grown by an nice 9.14% over the past year.

Measured over the past years, JPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.43% on average per year.

JPM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.90%.

Measured over the past years, JPM shows a quite strong growth in Revenue. The Revenue has been growing by 8.94% on average per year.

EPS 1Y (TTM)9.14%

EPS 3Y5.01%

EPS 5Y11.43%

EPS Q2Q%14.19%

Revenue 1Y (TTM)11.9%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%6.49%

3.2 Future

JPM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.18% yearly.

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

EPS Next Y3.6%

EPS Next 2Y5.34%

EPS Next 3Y6.5%

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.

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4. Valuation

4.1 Price/Earnings Ratio

JPM is valuated correctly with a Price/Earnings ratio of 12.53.

JPM's Price/Earnings ratio is in line with the industry average.

JPM is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 11.69, which indicates a very decent valuation of JPM.

JPM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 64.32% of the companies in the same industry.

JPM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.08, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	11.69

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)3.48

PEG (5Y)1.1

EPS Next 2Y5.34%

EPS Next 3Y6.5%

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5. Dividend

5.1 Amount

JPM has a Yearly Dividend Yield of 2.41%.

JPM's Dividend Yield is slightly below the industry average, which is at 3.70.

Compared to an average S&P500 Dividend Yield of 2.52, JPM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.41%

5.2 History

The dividend of JPM is nicely growing with an annual growth rate of 6.07%!

JPM has paid a dividend for at least 10 years, which is a reliable track record.

JPM has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)6.07%

Div Incr Years14

Div Non Decr Years14

5.3 Sustainability

JPM pays out 26.00% of its income as dividend. This is a sustainable payout ratio.

JPM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP26%

EPS Next 2Y5.34%

EPS Next 3Y6.5%

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JPMORGAN CHASE & CO

NYSE:JPM (4/17/2025, 8:04:00 PM)

After market: 232.09 +0.13 (+0.06%)

231.96

+2.35 (+1.02%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-11 2025-04-11/bmo

Earnings (Next)07-15 2025-07-15/bmo

Inst Owners74.27%

Inst Owner Change0.01%

Ins Owners0.41%

Ins Owner Change6.38%

Market Cap645.54B

Analysts75

Price Target270.91 (16.79%)

Short Float %1.06%

Short Ratio2.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.41%

Yearly Dividend5.21

Dividend Growth(5Y)6.07%

DP26%

Div Incr Years14

Div Non Decr Years14

Ex-Date04-04 2025-04-04 (1.4)

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)-1.12%

PT rev (3m)8.88%

EPS NQ rev (1m)0.84%

EPS NQ rev (3m)8.37%

EPS NY rev (1m)-0.02%

EPS NY rev (3m)8.59%

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	12.53
Fwd PE	11.69
P/S	3.64
P/FCF	N/A
P/OCF	N/A
P/B	1.87
P/tB	2.3
EV/EBITDA	N/A

EPS(TTM)18.51

EY7.98%

EPS(NY)19.84

Fwd EY8.55%

FCF(TTM)-15.1

FCFYN/A

OCF(TTM)-15.1

OCFYN/A

SpS63.8

BVpS123.88

TBVpS100.68

PEG (NY)3.48

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

WACC11%

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)9.14%

EPS 3Y5.01%

EPS 5Y11.43%

EPS Q2Q%14.19%

EPS Next Y3.6%

EPS Next 2Y5.34%

EPS Next 3Y6.5%

EPS Next 5Y4.18%

Revenue 1Y (TTM)11.9%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%6.49%

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

JPMORGAN CHASE & CO (JPM) 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