Overview Dividends

(JPM) JPMorgan Chase - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US46625H1005

Deposits, Loans, Cards, Investments, Custody

Diversified Banks
Market Cap in USD: 872,249m

IPO / Inception: 1978-10-06
Return 12m vs S&P 500: 17.4%

EPS (Earnings per Share)

EPS CAGR: 11.86%
EPS Trend: 78.6%

Last SUE: 0.34
Qual. Beats: 0

Revenue

Rev. CAGR: 25.47%
Rev. Trend: 90.6%

Last SUE: 0.91
Qual. Beats: 2

Dividends

Dividend Yield	2.22%
Yield on Cost 5y	6.50%
Yield CAGR 5y	6.32%
Payout Consistency	91.7%
Payout Ratio	29.1%

Risk via 5d forecast
Volatility	21.2%
Value at Risk 5%th	33.7%
Relative Tail Risk	-3.21%

Reward TTM
Sharpe Ratio	1.33
Alpha	22.06
CAGR/Max DD	1.55

Character TTM
Hurst Exponent	0.462
Beta	0.951
Beta Downside	0.991

Drawdowns 3y
Max DD	24.42%
Mean DD	3.76%
Median DD	2.59%

Description: JPM JPMorgan Chase December 01, 2025

JPMorgan Chase & Co. (NYSE:JPM) is a global financial services firm organized into three primary segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The firm delivers a full suite of deposit, lending, payment, and cash-management products to individuals and small businesses, while also providing corporate advisory, capital-raising, securities, and risk-management services to midsized firms, municipalities, and institutional investors.

As of Q4 2023, JPM reported net income of roughly $13.5 billion and a return on equity near 14%, underscoring its strong profitability. The bank’s net interest margin expanded to about 3.0% amid a higher-for-longer rate environment, driving a 5% year-over-year increase in loan balances. However, its credit-loss provisions have risen modestly, reflecting heightened scrutiny of commercial real-estate exposure-a sector-wide risk factor for diversified banks.

For a deeper, data-driven view of JPM’s valuation dynamics, you may find the analytical tools on ValueRay worth exploring.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (58.03b TTM) > 0 and > 6% of Revenue (6% = 16.66b TTM)

FCFTA -0.03 (>2.0%) and ΔFCFTA 0.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -853.1% (prev -840.7%; Δ -12.43pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.03 (>3.0%) and CFO -119.75b <= Net Income 58.03b (YES >=105%, WARN >=100%)

Net Debt (193.12b) to EBITDA (81.02b) ratio: 2.38 <= 3.0 (WARN <= 3.5)

Current Ratio 0.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (2.79b) change vs 12m ago -2.52% (target <= -2.0% for YES)

Gross Margin 60.20% (prev 58.14%; Δ 2.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.33% (prev 6.31%; Δ 0.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.74 (EBITDA TTM 81.02b / Interest Expense TTM 98.30b) >= 6 (WARN >= 3)

Altman Z'' -2.90

(A) -0.52 = (Total Current Assets 1179.34b - Total Current Liabilities 3548.70b) / Total Assets 4560.20b

(B) 0.09 = Retained Earnings (Balance) 407.40b / Total Assets 4560.20b

(D) 0.10 = Book Value of Equity 405.63b / Total Liabilities 4199.99b

Total Rating: -2.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 49.73

1. Piotroski 5.0pt

2. FCF Yield -18.72%

3. FCF Margin -43.12%

4. Debt/Equity 1.38

5. Debt/Ebitda 2.38

6. ROIC - WACC (= -0.60)%

7. RoE 16.42%

8. Rev. Trend 90.65%

9. EPS Trend 78.58%

What is the price of JPM shares?

As of December 22, 2025, the stock is trading at USD 317.21 with a total of 24,494,345 shares traded.
Over the past week, the price has changed by -0.88%, over one month by +6.44%, over three months by +2.02% and over the past year by +35.88%.

Is JPM a buy, sell or hold?

JPMorgan Chase has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy JPM.

Strong Buy: 8
Buy: 7
Hold: 9
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the JPM price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	328.9	3.7%
Analysts Target Price	328.9	3.7%
ValueRay Target Price	419.2	32.2%

JPM Fundamental Data Overview December 20, 2025

Market Cap USD = 872.25b (872.25b USD * 1.0 USD.USD)
P/E Trailing = 15.7268
P/E Forward = 14.7493
P/S = 5.2159
P/B = 2.5049
P/EG = 2.6825
Beta = 1.075
Revenue TTM = 277.73b USD
EBIT TTM = 72.81b USD
EBITDA TTM = 81.02b USD
Long Term Debt = 427.20b USD (from longTermDebt, last quarter)
Short Term Debt = 69.36b USD (from shortTermDebt, last quarter)
Debt = 496.56b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 193.12b USD (from netDebt column, last quarter)
Enterprise Value = 639.56b USD (872.25b + Debt 496.56b - CCE 729.25b)
Interest Coverage Ratio = 0.74 (Ebit TTM 72.81b / Interest Expense TTM 98.30b)
FCF Yield = -18.72% (FCF TTM -119.75b / Enterprise Value 639.56b)
FCF Margin = -43.12% (FCF TTM -119.75b / Revenue TTM 277.73b)
Net Margin = 20.89% (Net Income TTM 58.03b / Revenue TTM 277.73b)
Gross Margin = 60.20% ((Revenue TTM 277.73b - Cost of Revenue TTM 110.54b) / Revenue TTM)
Gross Margin QoQ = 59.84% (prev 60.11%)
Tobins Q-Ratio = 0.14 (Enterprise Value 639.56b / Total Assets 4560.20b)
Interest Expense / Debt = 5.13% (Interest Expense 25.47b / Debt 496.56b)
Taxrate = 23.21% (4.35b / 18.74b)
NOPAT = 55.91b (EBIT 72.81b * (1 - 23.21%))
Current Ratio = 0.33 (Total Current Assets 1179.34b / Total Current Liabilities 3548.70b)
Debt / Equity = 1.38 (Debt 496.56b / totalStockholderEquity, last quarter 360.21b)
Debt / EBITDA = 2.38 (Net Debt 193.12b / EBITDA 81.02b)
Debt / FCF = -1.61 (negative FCF - burning cash) (Net Debt 193.12b / FCF TTM -119.75b)
Total Stockholder Equity = 353.33b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.27% (Net Income 58.03b / Total Assets 4560.20b)
RoE = 16.42% (Net Income TTM 58.03b / Total Stockholder Equity 353.33b)
RoCE = 9.33% (EBIT 72.81b / Capital Employed (Equity 353.33b + L.T.Debt 427.20b))
RoIC = 6.90% (NOPAT 55.91b / Invested Capital 810.32b)
WACC = 7.50% (E(872.25b)/V(1368.81b) * Re(9.52%) + D(496.56b)/V(1368.81b) * Rd(5.13%) * (1-Tc(0.23)))
Discount Rate = 9.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.17%
Fair Price DCF = unknown (Cash Flow -119.75b)
EPS Correlation: 78.58 | EPS CAGR: 11.86% | SUE: 0.34 | # QB: 0
Revenue Correlation: 90.65 | Revenue CAGR: 25.47% | SUE: 0.91 | # QB: 2
EPS next Quarter (2026-03-31): EPS=5.25 | Chg30d=+0.017 | Revisions Net=-1 | Analysts=10
EPS next Year (2026-12-31): EPS=21.18 | Chg30d=-0.127 | Revisions Net=+0 | Growth EPS=+5.2% | Growth Revenue=+3.9%

Additional Sources for JPM Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle