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

Fundamental Rating

Overall JPM gets a fundamental rating of 3 out of 10. We evaluated JPM against 405 industry peers in the Banks industry. There are concerns on the financial health of JPM while its profitability can be described as average. While showing a medium growth rate, JPM is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

JPM had positive earnings in the past year.

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

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 Return On Assets of 1.24%. This is amongst the best in the industry. JPM outperforms 81.16% of its industry peers.

JPM's Return On Equity of 15.06% is amongst the best of the industry. JPM outperforms 93.22% of its industry peers.

		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

JPM has a better Profit Margin (30.03%) than 84.42% 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)	30.03%
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

The debt/assets ratio for JPM is higher compared to a year ago.

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 93.22% of its industry peers.

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

ROIC/WACCN/A

WACC10.29%

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

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

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 12.30%.

JPM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.94% yearly.

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%7.07%

3.2 Future

Based on estimates for the next years, JPM will show a small growth in Earnings Per Share. The EPS will grow by 2.64% on average per year.

Based on estimates for the next years, JPM will show a decrease in Revenue. The Revenue will decrease by -0.25% on average per year.

EPS Next Y-4.59%

EPS Next 2Y1.67%

EPS Next 3Y1.45%

EPS Next 5Y2.64%

Revenue Next Year-1.06%

Revenue Next 2Y1.28%

Revenue Next 3Y2.15%

Revenue Next 5Y-0.25%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.71 indicates a correct valuation of JPM.

The rest of the industry has a similar Price/Earnings ratio as JPM.

JPM is valuated rather 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 15.42, which indicates a correct valuation of JPM.

Based on the Price/Forward Earnings ratio, JPM is valued a bit more expensive than the industry average as 68.84% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, JPM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.71
Fwd PE	15.42

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.29

EPS Next 2Y1.67%

EPS Next 3Y1.45%

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5. Dividend

5.1 Amount

JPM has a Yearly Dividend Yield of 1.93%.

Compared to an average industry Dividend Yield of 3.22, JPM is paying slightly less dividend.

JPM's Dividend Yield is comparable with the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	1.93%

5.2 History

The dividend of JPM is nicely growing with an annual growth rate of 8.96%!

JPM has been paying a dividend for at least 10 years, so it has a reliable track record.

JPM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)8.96%

Div Incr Years14

Div Non Decr Years14

5.3 Sustainability

JPM pays out 27.56% 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.

DP27.56%

EPS Next 2Y1.67%

EPS Next 3Y1.45%

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JPMORGAN CHASE & CO

NYSE:JPM (1/21/2025, 8:09:59 PM)

After market: 262.95 -0.08 (-0.03%)

263.03

+3.87 (+1.49%)

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 Change-0.34%

Ins Owners0.46%

Ins Owner Change2.46%

Market Cap740.52B

Analysts72.86

Price Target248.82 (-5.4%)

Short Float %1.05%

Short Ratio3.27

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.93%

Yearly Dividend4.63

Dividend Growth(5Y)8.96%

DP27.56%

Div Incr Years14

Div Non Decr Years14

Ex-Date01-06 2025-01-06 (1.25)

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)4.62%

PT rev (3m)12.87%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.47%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.92%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.25%

Revenue NY rev (1m)0.8%

Revenue NY rev (3m)1.19%

Valuation

		Industry Rank	Sector Rank
PE	14.71
Fwd PE	15.42
P/S	4.27
P/FCF	N/A
P/OCF	N/A
P/B	2.14
P/tB	2.63
EV/EBITDA	N/A

EPS(TTM)17.88

EY6.8%

EPS(NY)17.06

Fwd EY6.49%

FCF(TTM)-46.01

FCFYN/A

OCF(TTM)-46.01

OCFYN/A

SpS61.58

BVpS122.84

TBVpS99.95

PEG (NY)N/A

PEG (5Y)1.29

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

WACC10.29%

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 Y-4.59%

EPS Next 2Y1.67%

EPS Next 3Y1.45%

EPS Next 5Y2.64%

Revenue 1Y (TTM)12.3%

Revenue growth 3Y13.43%

Revenue growth 5Y8.94%

Sales Q2Q%7.07%

Revenue Next Year-1.06%

Revenue Next 2Y1.28%

Revenue Next 3Y2.15%

Revenue Next 5Y-0.25%

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 (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

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