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

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to JPM. JPM was compared to 404 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. 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.

The reported operating cash flow has been mixed in the past 5 years: JPM reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of JPM (1.24%) is better than 80.90% of its industry peers.

The Return On Equity of JPM (15.06%) is better than 92.21% 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

With an excellent Profit Margin value of 30.03%, JPM belongs to the best of the industry, outperforming 84.17% of the companies in the same industry.

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 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.

Compared to 1 year ago, JPM has less shares outstanding

The number of shares outstanding for JPM has been reduced compared to 5 years ago.

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

2.2 Solvency

JPM has a Debt/Equity ratio of 2.37. This is a high value indicating a heavy dependency on external financing.

JPM's Debt to Equity ratio of 2.37 is on the low side compared to the rest of the industry. JPM is outperformed by 92.96% of its industry peers.

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

ROIC/WACCN/A

WACC9.95%

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 been growing slightly by 6.18% over the past year.

JPM 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.

The Revenue has been growing by 8.94% on average over the past years. This is quite good.

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.

JPM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.63% yearly.

EPS Next Y3.63%

EPS Next 2Y5.27%

EPS Next 3Y6.3%

EPS Next 5Y4.18%

Revenue Next Year-1.09%

Revenue Next 2Y1.24%

Revenue Next 3Y2.17%

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.

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

The Price/Earnings ratio is 14.78, which indicates a correct valuation of JPM.

Based on the Price/Earnings ratio, JPM is valued a bit more expensive than 61.81% of the companies in the same industry.

JPM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

With a Price/Forward Earnings ratio of 14.26, JPM is valued correctly.

66.83% of the companies in the same industry are cheaper than JPM, based on the Price/Forward Earnings ratio.

JPM's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.68.

		Industry Rank	Sector Rank
PE	14.78
Fwd PE	14.26

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 JPM does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)4.08

PEG (5Y)1.29

EPS Next 2Y5.27%

EPS Next 3Y6.3%

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5. Dividend

5.1 Amount

JPM has a Yearly Dividend Yield of 1.81%.

JPM's Dividend Yield is slightly below the industry average, which is at 3.15.

Compared to the average S&P500 Dividend Yield of 2.29, JPM is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.81%

5.2 History

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

JPM has been paying a dividend for at least 10 years, so it has 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

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 2Y5.27%

EPS Next 3Y6.3%

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JPMORGAN CHASE & CO

NYSE:JPM (2/21/2025, 8:30:19 PM)

After market: 264.02 -0.22 (-0.08%)

264.24

-2.56 (-0.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-15 2025-01-15/bmo

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

Inst Owners73.75%

Inst Owner Change0.76%

Ins Owners0.46%

Ins Owner Change2.21%

Market Cap743.93B

Analysts73.57

Price Target270.47 (2.36%)

Short Float %1.03%

Short Ratio3.18

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.81%

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)8.7%

PT rev (3m)16.8%

EPS NQ rev (1m)5.66%

EPS NQ rev (3m)5.69%

EPS NY rev (1m)8.61%

EPS NY rev (3m)9.57%

Revenue NQ rev (1m)1.56%

Revenue NQ rev (3m)1.54%

Revenue NY rev (1m)2.62%

Revenue NY rev (3m)3.95%

Valuation

		Industry Rank	Sector Rank
PE	14.78
Fwd PE	14.26
P/S	4.29
P/FCF	N/A
P/OCF	N/A
P/B	2.15
P/tB	2.64
EV/EBITDA	N/A

EPS(TTM)17.88

EY6.77%

EPS(NY)18.53

Fwd EY7.01%

FCF(TTM)-46.01

FCFYN/A

OCF(TTM)-46.01

OCFYN/A

SpS61.58

BVpS122.84

TBVpS99.95

PEG (NY)4.08

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

WACC9.95%

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 Y3.63%

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-1.09%

Revenue Next 2Y1.24%

Revenue Next 3Y2.17%

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 (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