JPMORGAN CHASE & CO (JPM)
US46625H1005 - Common Stock
Overall JPM gets a fundamental rating of 3 out of 10. We evaluated JPM against 406 industry peers in the Banks industry. While JPM is still in line with the averages on profitability rating, there are concerns on its financial health. JPM has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year JPM was profitable.
JPM had a negative operating cash flow in the past year.
Each year in the past 5 years JPM has been profitable.
Of the past 5 years JPM 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of JPM (1.24%) is better than 80.94% of its industry peers.
JPM has a Return On Equity of 15.06%. This is amongst the best in the industry. JPM outperforms 93.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 15.06% | ||
| ROIC | N/A |
ROA(3y)1.15%
ROA(5y)1.11%
ROE(3y)14.22%
ROE(5y)13.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
JPM has a better Profit Margin (30.03%) than 84.65% of its industry peers.
In the last couple of years the Profit Margin of JPM has remained more or less at the same level.
JPM 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) | 30.03% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.75%
PM growth 5Y1.36%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
JPM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for JPM has been reduced compared to 1 year ago.
The number of shares outstanding for JPM has been reduced compared to 5 years ago.
JPM 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 JPM has dependencies on debt financing.
JPM has a worse Debt to Equity ratio (2.37) than 92.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
JPM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.20%.
JPM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.68% yearly.
The Revenue has grown by 12.52% in the past year. This is quite good.
JPM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.76% yearly.
EPS 1Y (TTM)-7.2%
EPS 3Y23.82%
EPS 5Y13.68%
EPS Q2Q%-2.89%
Revenue 1Y (TTM)12.52%
Revenue growth 3Y9.64%
Revenue growth 5Y7.76%
Sales Q2Q%6.46%
3.2 Future
The Earnings Per Share is expected to grow by 2.41% on average over the next years.
JPM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.19% yearly.
EPS Next Y12.55%
EPS Next 2Y0.27%
EPS Next 3Y2.64%
EPS Next 5Y2.41%
Revenue Next Year10.43%
Revenue Next 2Y2.72%
Revenue Next 3Y2.99%
Revenue Next 5Y1.19%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.75 indicates a correct valuation of JPM.
JPM's Price/Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 60.40% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.73, JPM is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 14.03, the valuation of JPM can be described as correct.
Based on the Price/Forward Earnings ratio, JPM is valued a bit more expensive than the industry average as 65.35% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of JPM to the average of the S&P500 Index (22.83), we can say JPM is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.75 | ||
| Fwd PE | 14.03 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.18
PEG (5Y)1.08
EPS Next 2Y0.27%
EPS Next 3Y2.64%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.15%, JPM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.15, JPM is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, JPM has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
5.2 History
On average, the dividend of JPM grows each year by 8.96%, which is quite nice.
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)8.96%
Div Incr Years14
Div Non Decr Years14
5.3 Sustainability
27.56% of the earnings are spent on dividend by JPM. This is a low number and sustainable payout ratio.
JPM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.56%
EPS Next 2Y0.27%
EPS Next 3Y2.64%
JPMORGAN CHASE & CO
NYSE:JPM (12/20/2024, 8:20:37 PM)
After market: 237.6 0 (0%)237.6
+4.64 (+1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.75%
Inst Owner Change-1.12%
Ins Owners0.46%
Ins Owner Change-0.31%
Market Cap668.92B
Analysts72.86
Price Target237.84 (0.1%)
Short Float %1.1%
Short Ratio3.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
Dividend Growth(5Y)8.96%
DP27.56%
Div Incr Years14
Div Non Decr Years14
Ex-Date
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)2.71%
PT rev (3m)7.24%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)6.47%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.76%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)2.25%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.75 | ||
| Fwd PE | 14.03 | ||
| P/S | 3.86 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.93 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.11
EY6.78%
EPS(NY)16.93
Fwd EY7.13%
FCF(TTM)-46.01
FCFYN/A
OCF(TTM)-46.01
OCFYN/A
SpS61.58
BVpS122.84
TBVpS99.95
PEG (NY)1.18
PEG (5Y)1.08
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)1.15%
ROA(5y)1.11%
ROE(3y)14.22%
ROE(5y)13.14%
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 3Y9.75%
PM growth 5Y1.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
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-Score4
WACC10.04%
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)164.51%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.2%
EPS 3Y23.82%
EPS 5Y13.68%
EPS Q2Q%-2.89%
EPS Next Y12.55%
EPS Next 2Y0.27%
EPS Next 3Y2.64%
EPS Next 5Y2.41%
Revenue 1Y (TTM)12.52%
Revenue growth 3Y9.64%
Revenue growth 5Y7.76%
Sales Q2Q%6.46%
Revenue Next Year10.43%
Revenue Next 2Y2.72%
Revenue Next 3Y2.99%
Revenue Next 5Y1.19%
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-242.36%
FCF growth 3YN/A
FCF growth 5Y-3.64%
OCF growth 1Y-242.36%
OCF growth 3YN/A
OCF growth 5Y-3.64%