(JPM) JPMorgan Chase - Ratings and Ratios
Banking, Investment, Lending, Credit, AssetManagement
Dividends
| Dividend Yield | 1.77% |
| Yield on Cost 5y | 5.36% |
| Yield CAGR 5y | 6.32% |
| Payout Consistency | 91.7% |
| Payout Ratio | 27.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 20.2% |
| Value at Risk 5%th | 32.2% |
| Relative Tail Risk | -3.08% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.97 |
| Alpha | 12.55 |
| CAGR/Max DD | 1.47 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.336 |
| Beta | 0.951 |
| Beta Downside | 1.032 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.42% |
| Mean DD | 3.78% |
| Median DD | 2.67% |
Description: JPM JPMorgan Chase September 24, 2025
JPMorgan Chase & Co. (NYSE:JPM) is a global financial services firm organized into three operating segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The firm delivers a full suite of deposit, lending, cash-management, and payment solutions to retail customers and small businesses, while also providing mortgage origination, credit cards, auto financing, and travel services through a network of branches, ATMs, and digital channels.
Its Commercial & Investment Bank unit offers corporate advisory, equity and debt capital-raising, loan syndication, and a range of risk-management products-including derivatives, prime brokerage, and research. The segment also supplies securities services such as custody, fund administration, liquidity provisioning, and data-analytics solutions to institutional clients.
The Asset & Wealth Management division manages multi-asset portfolios across equities, fixed income, alternatives, and money-market funds for both institutional and retail investors, and provides retirement planning, brokerage, estate planning, and lending services to high-net-worth individuals.
Key recent metrics: as of Q2 2024, JPM reported a net interest margin of 3.2%-above the industry median of 2.8%-driven by a steepening yield curve; loan growth in the Consumer segment accelerated 5.1% YoY, reflecting strong demand for mortgages and auto loans; and its digital banking active users surpassed 70 million, supporting higher fee income per account. The bank’s earnings are highly sensitive to Federal Reserve policy, with higher rates boosting net interest income but also increasing credit-risk pressure on consumer loan portfolios.
For analysts seeking deeper quantitative insights, a quick look at ValueRay’s sector-level valuation models can help surface relative pricing anomalies and guide further due-diligence.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (58.03b TTM) > 0 and > 6% of Revenue (6% = 16.66b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA 2.28pp (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 -0.01 (>3.0%) and CFO -36.46b <= 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 |
| (C) 0.02 = EBIT TTM 72.81b / Avg Total Assets 4385.13b |
| (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) 54.46
| 1. Piotroski 5.0pt |
| 2. FCF Yield -5.80% |
| 3. FCF Margin -13.13% |
| 4. Debt/Equity 1.38 |
| 5. Debt/Ebitda 2.38 |
| 6. ROIC - WACC (= -0.58)% |
| 7. RoE 16.42% |
| 8. Rev. Trend 90.86% |
| 9. EPS Trend 78.98% |
What is the price of JPM shares?
Over the past week, the price has changed by +5.06%, over one month by +0.63%, over three months by +4.97% and over the past year by +29.83%.
Is JPM a buy, sell or hold?
- 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 | 328.1 | 4.8% |
| Analysts Target Price | 328.1 | 4.8% |
| ValueRay Target Price | 404.6 | 29.2% |
JPM Fundamental Data Overview November 29, 2025
P/E Trailing = 15.5144
P/E Forward = 14.6199
P/S = 5.148
P/B = 2.462
P/EG = 2.6579
Beta = 1.076
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 = 628.20b USD (860.89b + Debt 496.56b - CCE 729.25b)
Interest Coverage Ratio = 0.74 (Ebit TTM 72.81b / Interest Expense TTM 98.30b)
FCF Yield = -5.80% (FCF TTM -36.46b / Enterprise Value 628.20b)
FCF Margin = -13.13% (FCF TTM -36.46b / 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 628.20b / 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 = -5.30 (negative FCF - burning cash) (Net Debt 193.12b / FCF TTM -36.46b)
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 = 7.48% (E(860.89b)/V(1357.45b) * Re(9.52%) + D(496.56b)/V(1357.45b) * 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 -36.46b)
EPS Correlation: 78.98 | EPS CAGR: 11.86% | SUE: 0.34 | # QB: 0
Revenue Correlation: 90.86 | Revenue CAGR: 25.47% | SUE: 0.91 | # QB: 2
EPS next Quarter (2026-03-31): EPS=5.24 | Chg30d=+0.100 | Revisions Net=+2 | Analysts=8
EPS current Year (2025-12-31): EPS=20.09 | Chg30d=+0.071 | Revisions Net=+6 | Growth EPS=+1.7% | Growth Revenue=+2.9%
EPS next Year (2026-12-31): EPS=21.31 | Chg30d=-0.083 | Revisions Net=+2 | Growth EPS=+6.1% | Growth Revenue=+3.6%
Additional Sources for JPM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle