(JPM) JPMorgan Chase - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US46625H1005
Deposits, Loans, Cards, Investments, Custody
Dividends
| Dividend Yield | 1.74% |
| Yield on Cost 5y | 5.34% |
| Yield CAGR 5y | 6.32% |
| Payout Consistency | 91.7% |
| Payout Ratio | 29.1% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 25.8% |
| Value at Risk 5%th | 41.1% |
| Relative Tail Risk | -3.35% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.12 |
| Alpha | 19.93 |
| CAGR/Max DD | 1.59 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.358 |
| Beta | 0.954 |
| Beta Downside | 0.989 |
| 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 -0.01 (>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 -5.67% |
| 3. FCF Margin -13.13% |
| 4. Debt/Equity 1.38 |
| 5. Debt/Ebitda 2.38 |
| 6. ROIC - WACC (= -0.61)% |
| 7. RoE 16.42% |
| 8. Rev. Trend 90.65% |
| 9. EPS Trend 78.58% |
What is the price of JPM shares?
As of December 15, 2025, the stock is trading at USD 318.52 with a total of 8,982,794 shares traded.
Over the past week, the price has changed by +1.05%, over one month by +4.91%, over three months by +3.62% and over the past year by +35.76%.
Over the past week, the price has changed by +1.05%, over one month by +4.91%, over three months by +3.62% and over the past year by +35.76%.
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 | 327.9 | 2.9% |
| Analysts Target Price | 327.9 | 2.9% |
| ValueRay Target Price | 420.8 | 32.1% |
JPM Fundamental Data Overview December 13, 2025
Market Cap USD = 875.85b (875.85b USD * 1.0 USD.USD)
P/E Trailing = 15.7216
P/E Forward = 14.9701
P/S = 5.2374
P/B = 2.5399
P/EG = 2.72
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 = 643.16b USD (875.85b + Debt 496.56b - CCE 729.25b)
Interest Coverage Ratio = 0.74 (Ebit TTM 72.81b / Interest Expense TTM 98.30b)
FCF Yield = -5.67% (FCF TTM -36.46b / Enterprise Value 643.16b)
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 643.16b / 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 = 7.51% (E(875.85b)/V(1372.41b) * Re(9.53%) + D(496.56b)/V(1372.41b) * Rd(5.13%) * (1-Tc(0.23)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.17%
Fair Price DCF = unknown (Cash Flow -36.46b)
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=5.24 | Chg30d=+0.001 | Revisions Net=+2 | Analysts=8
EPS next Year (2026-12-31): EPS=21.28 | Chg30d=-0.024 | Revisions Net=+2 | Growth EPS=+5.9% | Growth Revenue=+3.6%
P/E Trailing = 15.7216
P/E Forward = 14.9701
P/S = 5.2374
P/B = 2.5399
P/EG = 2.72
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 = 643.16b USD (875.85b + Debt 496.56b - CCE 729.25b)
Interest Coverage Ratio = 0.74 (Ebit TTM 72.81b / Interest Expense TTM 98.30b)
FCF Yield = -5.67% (FCF TTM -36.46b / Enterprise Value 643.16b)
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 643.16b / 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 = 7.51% (E(875.85b)/V(1372.41b) * Re(9.53%) + D(496.56b)/V(1372.41b) * Rd(5.13%) * (1-Tc(0.23)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.17%
Fair Price DCF = unknown (Cash Flow -36.46b)
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=5.24 | Chg30d=+0.001 | Revisions Net=+2 | Analysts=8
EPS next Year (2026-12-31): EPS=21.28 | Chg30d=-0.024 | Revisions Net=+2 | Growth EPS=+5.9% | Growth Revenue=+3.6%
Additional Sources for JPM Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle