JPMORGAN CHASE & CO (JPM)
US46625H1005 - Common Stock
Overall JPM gets a fundamental rating of 3 out of 10. We evaluated JPM against 404 industry peers in the Banks industry. JPM has a medium profitability rating, but doesn't score so well on its financial health evaluation. JPM does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year JPM was profitable.
JPM had a negative operating cash flow in the past year.
In the past 5 years JPM has always 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 (1.26%) is better than 83.04% of its industry peers.
With an excellent Return On Equity value of 15.33%, JPM belongs to the best of the industry, outperforming 92.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 15.33% | ||
| 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 (30.61%) than 83.79% of its industry peers.
In the last couple of years the Profit Margin of JPM has remained more or less at the same level.
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) | 30.61% | ||
| 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.
JPM has less shares outstanding than it did 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
JPM has a Debt/Equity ratio of 2.37. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.37, JPM is doing worse than 93.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.26%
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%.
Measured over the past years, JPM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.68% on average per year.
Looking at the last year, JPM shows a quite strong growth in Revenue. The Revenue has grown by 12.52% in the last year.
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
JPM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.61% yearly.
Based on estimates for the next years, JPM will show a small growth in Revenue. The Revenue will grow by 0.80% on average per year.
EPS Next Y12.54%
EPS Next 2Y0.21%
EPS Next 3Y2.52%
EPS Next 5Y-1.61%
Revenue Next Year10.58%
Revenue Next 2Y2.71%
Revenue Next 3Y2.94%
Revenue Next 5Y0.8%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
JPM is valuated correctly with a Price/Earnings ratio of 15.19.
JPM's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.96. JPM is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 14.47, the valuation of JPM can be described as correct.
JPM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. JPM is more expensive than 62.84% of the companies in the same industry.
JPM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.19 | ||
| Fwd PE | 14.47 |
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)1.21
PEG (5Y)1.11
EPS Next 2Y0.21%
EPS Next 3Y2.52%
5. Dividend
5.1 Amount
JPM has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
JPM's Dividend Yield is slightly below the industry average, which is at 3.02.
JPM's Dividend Yield is comparable with the S&P500 average which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
The dividend of JPM is nicely growing with an annual growth rate of 8.96%!
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 Years13
Div Non Decr Years13
5.3 Sustainability
26.97% of the earnings are spent on dividend by JPM. This is a low number and sustainable payout ratio.
DP26.97%
EPS Next 2Y0.21%
EPS Next 3Y2.52%
JPMORGAN CHASE & CO
NYSE:JPM (11/21/2024, 8:04:00 PM)
Premarket: 242.88 -1.88 (-0.77%)244.76
+3.98 (+1.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap689.08B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.19 | ||
| Fwd PE | 14.47 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.21
PEG (5Y)1.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 15.33% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.61% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-7.2%
EPS 3Y23.82%
EPS 5Y
EPS Q2Q%
EPS Next Y12.54%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.52%
Revenue growth 3Y9.64%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y