(JPM) JPMorgan Chase - Overview
Stock: Deposits, Loans, Cards, Investment Banking, Asset Management
| Risk 5d forecast | |
|---|---|
| Volatility | 22.4% |
| Relative Tail Risk | -2.28% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.43 |
| Alpha | -0.83 |
| Character TTM | |
|---|---|
| Beta | 0.986 |
| Beta Downside | 0.970 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.42% |
| CAGR/Max DD | 1.38 |
EPS (Earnings per Share)
Revenue
Description: JPM JPMorgan Chase January 26, 2026
JPMorgan Chase & Co. (NYSE:JPM) is a globally diversified financial services firm organized into three core segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The firm delivers a full suite of deposit, lending, payment, and mortgage products to retail and small-business customers; provides corporate advisory, capital-raising, cash-management, and risk-management services to midsized firms, governments, and real-estate clients; and offers multi-asset investment management, brokerage, and wealth-planning solutions to institutional and high-net-worth investors.
Key recent metrics (Q4 2025 / FY 2025): net interest margin (NIM) held at 3.12% despite a 75 bps rise in the Fed Funds rate, supporting a 7.4% YoY increase in net interest income; loan portfolio grew 4.1% YoY, with commercial real-estate loans up 5.6% while non-performing loan ratios remained low at 0.68%; return on equity (ROE) reached 15.2%, above the diversified-bank sector average of 13.8%. Sector-wide, the banking industry is being shaped by a prolonged high-interest-rate environment that boosts NIM but pressures credit quality, while consumer credit delinquencies have risen modestly to 2.9% (vs. 2.5% a year earlier), indicating a potential headwind for the Consumer & Community Banking segment.
For a deeper quantitative dive, consult ValueRay’s detailed financial model on JPM.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 56.99b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 3.33 > 1.0 |
| NWC/Revenue: 320.1% < 20% (prev -402.6%; Δ 722.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 100.87b > Net Income 56.99b |
| Net Debt (156.64b) to EBITDA (79.10b): 1.98 < 3 |
| Current Ratio: 14.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.79b) vs 12m ago -1.71% < -2% |
| Gross Margin: 60.00% > 18% (prev 0.59%; Δ 5941 % > 0.5%) |
| Asset Turnover: 6.65% > 50% (prev 6.76%; Δ -0.11% > 0%) |
| Interest Coverage Ratio: 0.57 > 6 (EBITDA TTM 79.10b / Interest Expense TTM 97.90b) |
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 416.06b / Total Assets 4424.90b) |
| C: 0.01 (EBIT TTM 55.44b / Avg Total Assets 4213.86b) |
| D: 0.10 (Book Value of Equity 415.87b / Total Liabilities 4062.46b) |
| Altman-Z'' Score: 1.83 = BBB |
Beneish M -3.25
| DSRI: 0.34 (Receivables 111.60b/320.77b, Revenue 280.33b/270.77b) |
| GMI: 0.98 (GM 60.00% / 58.64%) |
| AQI: 1.56 (AQ_t 0.77 / AQ_t-1 0.50) |
| SGI: 1.04 (Revenue 280.33b / 270.77b) |
| TATA: -0.01 (NI 56.99b - CFO 100.87b) / TA 4424.90b) |
| Beneish M-Score: -3.25 (Cap -4..+1) = AA |
What is the price of JPM shares?
Over the past week, the price has changed by +1.79%, over one month by +1.75%, over three months by +2.03% and over the past year by +12.58%.
Is JPM a buy, sell or hold?
- StrongBuy: 8
- Buy: 7
- Hold: 9
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the JPM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 344.5 | 11.8% |
| Analysts Target Price | 344.5 | 11.8% |
JPM Fundamental Data Overview February 19, 2026
P/E Forward = 14.2045
P/S = 4.9698
P/B = 2.3825
P/EG = 1.7109
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 = 485.53b USD (836.09b + Debt 499.98b - CCE 850.54b)
Interest Coverage Ratio = 0.57 (Ebit TTM 55.44b / Interest Expense TTM 97.90b)
EV/FCF = 4.81x (Enterprise Value 485.53b / FCF TTM 100.87b)
FCF Yield = 20.77% (FCF TTM 100.87b / Enterprise Value 485.53b)
FCF Margin = 35.98% (FCF TTM 100.87b / Revenue TTM 280.33b)
Net Margin = 20.33% (Net Income TTM 56.99b / 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 485.53b / 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 = 1.55 (Net Debt 156.64b / FCF TTM 100.87b)
Total Stockholder Equity = 357.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 56.99b / Total Assets 4424.90b)
RoE = 15.93% (Net Income TTM 56.99b / Total Stockholder Equity 357.75b)
RoCE = 6.99% (EBIT 55.44b / Capital Employed (Equity 357.75b + L.T.Debt 435.21b))
RoIC = 5.09% (NOPAT 42.08b / Invested Capital 826.16b)
WACC = 7.33% (E(836.09b)/V(1336.07b) * Re(9.55%) + D(499.98b)/V(1336.07b) * Rd(4.76%) * (1-Tc(0.24)))
Discount Rate = 9.55% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.17%
[DCF Debug] Terminal Value 73.40% ; FCFF base≈100.87b ; Y1≈66.21b ; Y5≈30.21b
Fair Price DCF = 190.9 (EV 671.43b - Net Debt 156.64b = Equity 514.78b / Shares 2.70b; r=7.33% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 76.93 | EPS CAGR: 16.28% | SUE: -0.41 | # QB: 0
Revenue Correlation: 87.06 | Revenue CAGR: 22.68% | SUE: 3.41 | # QB: 3
EPS next Quarter (2026-03-31): EPS=5.32 | Chg30d=-0.023 | Revisions Net=-1 | Analysts=10
EPS current Year (2026-12-31): EPS=21.56 | Chg30d=+0.075 | Revisions Net=+4 | Growth EPS=+9.3% | Growth Revenue=+6.4%
EPS next Year (2027-12-31): EPS=23.20 | Chg30d=+0.151 | Revisions Net=+2 | Growth EPS=+7.6% | Growth Revenue=+3.8%