JPM Stock Analysis: JPMorgan Chase | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 893.716m USD | 12M Return: 14.7% | US46625H1005 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.52B
EPS Trend: 93.6%
Qual. Beats: 0
Rev. Trend: 96.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
JPMorgan Chase & Co. is a global bank and financial holding company headquartered in New York, founded in 1799. It operates across the United States, North America, Europe, the Middle East, Africa, Asia Pacific, Latin America, and the Caribbean, serving consumers, small businesses, large corporations, financial institutions, governments, nonprofits, and commercial real estate clients.
The company runs three core segments: Consumer & Community Banking (deposits, mortgages, credit cards, auto loans, and digital banking), Commercial & Investment Bank (investment banking, market-making, financing, custody, securities services, and risk management), and Asset & Wealth Management (multi-asset investment solutions, retirement planning, and estate services for institutional, retail, and high-net-worth clients).
As a GICS-classified Diversified Bank, JPMorgan Chase combines retail and commercial banking with investment banking and asset management under a single holding-company structure, a model that allows cross-segment client relationships and revenue diversification across interest-rate-sensitive, fee-based, and trading-related income streams.
- Fed rate path drives net interest margin trajectory
- Investment Banking fees rebound on stronger M&A and ECM activity
- Credit losses normalize as consumer and commercial portfolios mature
| Net Income: 66.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: -217.1% < 20% (prev -554.5%; Δ 337.5% < -1%) |
| CFO/TA -0.03 > 3% & CFO -148b > Net Income 66.0b |
| Net Debt (-1468b) to EBITDA (94.1b): -15.60 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.68b) vs 12m ago -3.06% < -2% |
| Gross Margin: 63.17% > 18% (prev 60.20%; Δ 2.97% > 0.5%) |
| Asset Turnover: 6.26% > 50% (prev 6.09%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 0.86 > 6 (EBIT TTM 85.3b / Interest Expense TTM 98.8b) |
| A: -0.13 (Total Current Assets 3198b - Total Current Liabilities 3853b) / Total Assets 5092b |
| B: 0.09 (Retained Earnings 456b / Total Assets 5092b) |
| C: 0.02 (EBIT TTM 85.3b / Avg Total Assets 4826b) |
| D: 0.08 (Book Value of Equity 372b / Total Liabilities 4719b) |
| Altman-Z'' = -0.35 = B |
| DSRI: 1.17 (Receivables 495b/390b, Revenue 302b/278b) |
| GMI: 0.95 (GM 60.20% / 63.17%) |
| AQI: 0.63 (AQ_t 0.36 / AQ_t-1 0.58) |
| SGI: 1.09 (Revenue 302b / 278b) |
| TATA: 0.04 (NI 66.0b - CFO -148b) / TA 5092b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of October 24, 2026, the stock is trading at USD 331.58 with a total of 4,706,002 shares traded. Over the past week, the price has changed by -2.40%, over one month by -1.27%, over three months by -4.76% and over the past year by +14.74%.
Current recommended Stop Loss: 320.30 (which is 3.4% or 1.8 ATR below the current price).
JPMorgan Chase has received a consensus analysts rating of 3.96. Therefore, it is recommended to buy JPM.
- StrongBuy: 10
- Buy: 5
- Hold: 11
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 372.6 | 12.4% |
P/E Trailing = 14.0576
P/E Forward = 13.4953
P/S = 4.6857
P/B = 2.5377
P/EG = 1.5696
Revenue TTM = 302b USD
EBIT TTM = 85.3b USD
EBITDA TTM = 94.1b USD
Long Term Debt = 434b USD (from longTermDebt, last fiscal year)
Short Term Debt = 775b USD (from shortTermDebt, last quarter)
Debt = 1235b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1468b USD (calculated: Debt 1235b - CCE 2703b)
Enterprise Value = 894b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.86 (Ebit TTM 85.3b / Interest Expense TTM 98.8b)
EV/FCF = -6.05x (Enterprise Value 894b / FCF TTM -148b)
FCF Yield = -16.54% (FCF TTM -148b / Enterprise Value 894b)
FCF Margin = -48.95% (FCF TTM -148b / Revenue TTM 302b)
Net Margin = 21.85% (Net Income TTM 66.0b / Revenue TTM 302b)
Gross Margin = 63.17% ((Revenue TTM 302b - Cost of Revenue TTM 111b) / Revenue TTM)
Gross Margin QoQ = 62.25% (prev 66.50%)
Tobins Q-Ratio = 0.18 (Enterprise Value 894b / Total Assets 5092b)
Interest Expense / Debt = 8.00% (Interest Expense 98.8b / Debt 1235b)
Taxrate = 22.64% (19.3b / 85.3b)
NOPAT = 66.0b (EBIT 85.3b * (1 - 22.64%))
Current Ratio = 0.83 (Total Current Assets 3198b / Total Current Liabilities 3853b)
Debt / Equity = 3.32 (Debt 1235b / totalStockholderEquity, last quarter 372b)
Debt / EBITDA = -15.60 (Net Debt -1468b / EBITDA 94.1b)
Debt / FCF = 9.94 (negative FCF - burning cash) (Net Debt -1468b / FCF TTM -148b)
Total Stockholder Equity = 368b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 66.0b / Total Assets 5092b)
RoE = 17.91% (Net Income TTM 66.0b / Total Stockholder Equity 368b)
RoCE = 10.63% (EBIT 85.3b / Capital Employed (Equity 368b + L.T.Debt 434b))
RoIC = 3.30% (NOPAT 66.0b / Invested Capital 1998b)
WACC = 7.28% (E(894b)/V(2129b) * Re(8.79%) + D(1235b)/V(2129b) * Rd(8.00%) * (1-Tc(0.23)))
Discount Rate = 8.79% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.80 | Cagr: -3.32%
[DCF] Fair Price = unknown (Cash Flow -148b)
EPS Correlation: 93.55 | EPS CAGR: 10.99% | SUE: -0.68 | # QB: 0
Revenue Correlation: 96.68 | Revenue CAGR: 7.81% | SUE: 0.77 | # QB: 0
EPS current Quarter (2027-03-31): EPS=6.24 | Chg30d=+1.49% | Revisions=-25% | Analysts=7
EPS current Year (2026-12-31): EPS=24.02 | Chg30d=-0.24% | Revisions=+62% | GrowthEPS=+21.8% | GrowthRev=+14.1%
EPS next Year (2027-12-31): EPS=25.53 | Chg30d=+2.38% | Revisions=+36% | GrowthEPS=+6.3% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +47% (up=11, down=3)