(JPM) JPMorgan Chase - Ratings and Ratios

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

Deposits, Loans, Cards, Investments, Custody

Stock: Diversified Banks
Age 47.3y

MCap 824,138m
Avg Vol 9.23M (3.00B USD)

Beta 0.969
Volatility 30.21%

EPS (Earnings per Share)

EPS CAGR: 16.28%
EPS Trend: 76.9%

Last SUE: -0.47
Qual. Beats: 0

Revenue

Rev. CAGR: 22.68%
Rev. Trend: 87.1%

Last SUE: 3.41
Qual. Beats: 3

Dividends

Dividend Yield	2.60%
Yield on Cost 5y	4.92%
Yield CAGR 5y	10.67%
Payout Consistency	93.8%
Payout Ratio	23.6%

Risk via 5d forecast
Volatility	30.2%
Value at Risk 5%th	48.7%
Relative Tail Risk	-2.00%

Reward TTM
Sharpe Ratio	0.66
Alpha	5.99
CAGR/Max DD	1.36

Character TTM
Hurst Exponent	0.463
Beta	0.969
Beta Downside	0.954

Drawdowns 3y
Max DD	24.42%
Mean DD	3.78%
Median DD	2.58%

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) 3.5

Net Income (57.05b TTM) > 0 and > 6% of Revenue (6% = 16.82b TTM)

FCFTA -0.03 (>2.0%) and ΔFCFTA 0.53pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 320.1% (prev -834.4%; Δ 1154 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.03 (>3.0%) and CFO -119.75b <= Net Income 57.05b (YES >=105%, WARN >=100%)

Net Debt (156.64b) to EBITDA (79.10b) ratio: 1.98 <= 3.0 (WARN <= 3.5)

Current Ratio 14.85 (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 -1.71% (target <= -2.0% for YES)

Gross Margin 60.00% (prev 58.64%; Δ 1.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.65% (prev 6.76%; Δ -0.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.57 (EBITDA TTM 79.10b / Interest Expense TTM 97.90b) >= 6 (WARN >= 3)

Altman Z'' 1.83

(A) 0.20 = (Total Current Assets 962.13b - Total Current Liabilities 64.78b) / Total Assets 4424.90b

(B) 0.09 = Retained Earnings (Balance) 416.06b / Total Assets 4424.90b

(D) 0.10 = Book Value of Equity 415.87b / Total Liabilities 4062.46b

Total Rating: 1.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 46.68

1. Piotroski 3.50pt

2. FCF Yield -25.29%

3. FCF Margin -42.72%

4. Debt/Equity 1.38

5. Debt/Ebitda 1.98

6. ROIC - WACC (= -2.15)%

7. RoE 15.95%

8. Rev. Trend 87.06%

9. EPS Trend 76.93%

What is the price of JPM shares?

As of January 21, 2026, the stock is trading at USD 302.74 with a total of 12,897,278 shares traded.
Over the past week, the price has changed by -2.62%, over one month by -5.88%, over three months by +0.58% and over the past year by +17.46%.

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	342.1	13%
Analysts Target Price	342.1	13%
ValueRay Target Price	381.2	25.9%

JPM Fundamental Data Overview January 21, 2026

P/E Trailing = 15.1294
P/E Forward = 14.6628
P/S = 4.8987
P/B = 2.4606
P/EG = 1.7674
Revenue TTM = 280.33b USD
EBIT TTM = 55.44b USD
EBITDA TTM = 79.10b USD
Long Term Debt = 435.21b USD (from longTermDebt, last quarter)
Short Term Debt = 64.78b USD (from shortTermDebt, last quarter)
Debt = 499.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 156.64b USD (from netDebt column, last quarter)
Enterprise Value = 473.58b USD (824.14b + Debt 499.98b - CCE 850.54b)
Interest Coverage Ratio = 0.57 (Ebit TTM 55.44b / Interest Expense TTM 97.90b)
EV/FCF = -3.95x (Enterprise Value 473.58b / FCF TTM -119.75b)
FCF Yield = -25.29% (FCF TTM -119.75b / Enterprise Value 473.58b)
FCF Margin = -42.72% (FCF TTM -119.75b / Revenue TTM 280.33b)
Net Margin = 20.35% (Net Income TTM 57.05b / Revenue TTM 280.33b)
Gross Margin = 60.00% ((Revenue TTM 280.33b - Cost of Revenue TTM 112.14b) / Revenue TTM)
Gross Margin QoQ = 59.10% (prev 59.84%)
Tobins Q-Ratio = 0.11 (Enterprise Value 473.58b / Total Assets 4424.90b)
Interest Expense / Debt = 4.76% (Interest Expense 23.81b / Debt 499.98b)
Taxrate = 24.10% (4.13b / 17.16b)
NOPAT = 42.08b (EBIT 55.44b * (1 - 24.10%))
Current Ratio = 14.85 (Total Current Assets 962.13b / Total Current Liabilities 64.78b)
Debt / Equity = 1.38 (Debt 499.98b / totalStockholderEquity, last quarter 362.44b)
Debt / EBITDA = 1.98 (Net Debt 156.64b / EBITDA 79.10b)
Debt / FCF = -1.31 (negative FCF - burning cash) (Net Debt 156.64b / FCF TTM -119.75b)
Total Stockholder Equity = 357.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 57.05b / Total Assets 4424.90b)
RoE = 15.95% (Net Income TTM 57.05b / Total Stockholder Equity 357.75b)
RoCE = 6.99% (EBIT 55.44b / Capital Employed (Equity 357.75b + L.T.Debt 435.21b))
RoIC = 5.13% (NOPAT 42.08b / Invested Capital 820.76b)
WACC = 7.27% (E(824.14b)/V(1324.12b) * Re(9.49%) + D(499.98b)/V(1324.12b) * Rd(4.76%) * (1-Tc(0.24)))
Discount Rate = 9.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.17%
Fair Price DCF = unknown (Cash Flow -119.75b)
EPS Correlation: 76.93 | EPS CAGR: 16.28% | SUE: -0.47 | # QB: 0
Revenue Correlation: 87.06 | Revenue CAGR: 22.68% | SUE: 3.41 | # QB: 3
EPS next Quarter (2026-03-31): EPS=5.33 | Chg30d=+0.089 | Revisions Net=-3 | Analysts=9
EPS current Year (2026-12-31): EPS=21.54 | Chg30d=+0.408 | Revisions Net=+0 | Growth EPS=+9.2% | Growth Revenue=+6.2%
EPS next Year (2027-12-31): EPS=23.10 | Chg30d=+0.259 | Revisions Net=+0 | Growth EPS=+7.3% | Growth Revenue=+3.6%

Additional Sources for JPM Stock

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