JPM — JPMorgan Chase & Co.

Generated 2026-06-10 20:17

Quarterly Verdict

🟢 75/100

Worth buying

Quality grade B; 2 improving / 3 weakening metrics this quarter.

➖ Pricing power (gross margin): Gross margin 0% — thin margins
➕ Leverage (net debt / EBITDA): Net cash — $261.1B more cash than debt
➕ Non-cyclical (beta): Beta 1.00 — low volatility vs market
➕ Returns capital to shareholders: dividend ~1.9%; shares -4.8%/yr
➕ Buyback efficiency (net share-count Δ): Shares outstanding -4.8% YoY — share count shrinking
➕ Revenue +8.8% vs last quarter
➕ Net income +26.6% vs last quarter
➖ Free cash flow -276.9% vs last quarter
➖ Cash -9.1% vs last quarter
➖ Debt +3.4% vs last quarter

Heuristic from the Quality Scorecard + quarter-over-quarter trends. Not financial advice.

Valuation

Analyst consensus
UndervaluedFairOvervalued
Target $342.19 · Price $309.14 · +10% margin of safety · 21 analysts · range $295.00–$391.00

Outside circle of competence — analyst targets only. Not financial advice.

Key Trends (6-yr)

GAAP EPS
Sales
Shares Outstanding

Quality Scorecard

B80/100
Pricing power (gross margin) 0% Gross margin 0% — thin margins
Free cash flow yield data unavailable
Leverage (net debt / EBITDA) net cash Net cash — $261.1B more cash than debt
Non-cyclical (beta) 1.00 Beta 1.00 — low volatility vs market
Recurring revenue no recurring-revenue tag (add to watchlist.json / company_meta.json)
Returns capital to shareholders yes dividend ~1.9%; shares -4.8%/yr
Buyback efficiency (net share-count Δ) -4.8%/yr Shares outstanding -4.8% YoY — share count shrinking

Compounder checklist (proxy metrics from yfinance). 5 of 7 criteria scored. Not financial advice.

Company Overview

Basic Information

Company Name: JPMorgan Chase & Co.
Symbol: JPM
Exchange: NYQ
Sector: Financial Services
Industry: Banks - Diversified

Company Details

Country: United States
City: New York
Employees: 320,079
Market Cap: $828.34B

Business Description

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Key Metrics

Price & Valuation

Current Price
$309.14
Market Cap
$828.34B
P/E Ratio
14.80
Forward P/E
13.13
PEG Ratio
1.65
Price to Book
2.41

Profitability

Profit Margin: 33.94%
Operating Margin: 43.74%
Gross Margin: 0.00%
Return on Equity (ROE): 16.47%
Return on Assets (ROA): 1.27%
Revenue Growth: 12.70%

Financial Health

Current Ratio: N/A
Quick Ratio: N/A
Debt to Equity: N/A
Total Debt: $1.32T
Total Cash: $1.58T
Beta: 1.00

Trading & Analyst Info

52-Week Range

52-Week High: $337.25
52-Week Low: $262.71
50-Day Average: $304.59
200-Day Average: $306.19

Analyst Recommendations

Recommendation: BUY
Target Mean Price: $342.19
Target High: $391.00
Target Low: $295.00

Price History

Financial Statements

Income Statement (Annual)

Item2025-12-312024-12-312023-12-312022-12-31
Tax Effect Of Unusual Items$220.59M$1.29B$-447.27M$119.23M
Tax Rate For Calcs$0.21$0.22$0.20$0.18
Total Unusual Items$1.03B$5.85B$-2.28B$648.00M
Total Unusual Items Excluding Goodwill$1.03B$5.85B$-2.28B$648.00M
Net Income From Continuing Operation Net Minority Interest$57.05B$58.47B$49.55B$37.68B
Reconciled Depreciation$8.82B$7.94B$7.51B$7.05B
Net Interest Income$95.44B$92.58B$89.27B$66.71B
Interest Expense$97.90B$101.35B$81.32B$26.10B
Interest Income$193.34B$193.93B$170.59B$92.81B
Normalized Income$56.24B$53.91B$51.39B$37.15B
Net Income From Continuing And Discontinued Operation$57.05B$58.47B$49.55B$37.68B
Diluted Average Shares$2.78B$2.88B$2.94B$2.97B
Basic Average Shares$2.78B$2.87B$2.94B$2.97B
Diluted EPS$20.02$19.75$16.23$12.09
Basic EPS$20.05$19.79$16.25$12.10

Showing 15 of 37 rows

Balance Sheet (Annual)

Item2025-12-312024-12-312023-12-312022-12-31
Treasury Shares Number$1.41B$1.31B$1.23B$1.17B
Preferred Shares Number$391.85M$391.85M$391.85M$391.85M
Ordinary Shares Number$2.70B$2.80B$2.88B$2.93B
Share Issued$4.10B$4.10B$4.10B$4.10B
Net Debt$156.64BN/AN/AN/A
Total Debt$499.98B$454.31B$436.54B$339.89B
Tangible Book Value$277.94B$260.15B$236.09B$204.07B
Invested Capital$842.38B$779.02B$737.01B$604.82B
Net Tangible Assets$297.98B$280.20B$263.50B$231.47B
Common Stock Equity$342.39B$324.71B$300.47B$264.93B
Preferred Stock Equity$20.05B$20.05B$27.40B$27.40B
Total Capitalization$796.41B$746.18B$719.70B$588.20B
Total Equity Gross Minority Interest$362.44B$344.76B$327.88B$292.33B
Stockholders Equity$362.44B$344.76B$327.88B$292.33B
Gains Losses Not Affecting Retained Earnings$-4.29B$-12.46B$-10.44B$-17.34B

Showing 15 of 49 rows

Cash Flow Statement (Annual)

Item2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow$-147.78B$-42.01B$12.97B$107.12BN/A
Repurchase Of Capital Stock$-34.59B$-28.68B$-9.82B$-10.60BN/A
Repayment Of Debt$-108.10B$-96.61B$-64.88B$-45.56BN/A
Issuance Of Debt$120.76B$109.92B$75.42B$78.44BN/A
Issuance Of Capital Stock$3.00B$2.50B$0.00$0.00N/A
Interest Paid Supplemental Data$96.44B$99.64B$77.11B$23.14BN/A
Income Tax Paid Supplemental Data$5.31B$11.71B$9.91B$4.36BN/A
End Cash Position$343.34B$469.32B$624.15B$567.23BN/A
Beginning Cash Position$469.32B$624.15B$567.23B$740.83BN/A
Effect Of Exchange Rate Changes$17.84B$-12.87B$1.87B$-16.64BN/A
Changes In Cash$-143.81B$-141.97B$55.05B$-156.96BN/A
Financing Cash Flow$269.53B$63.45B$-25.57B$-126.26BN/A
Cash Flow From Continuing Financing Activities$269.53B$63.45B$-25.57B$-126.26BN/A
Net Other Financing Charges$-3.04B$74.00M$7.51B$2.44BN/A
Cash Dividends Paid$-16.62B$-14.78B$-13.46B$-13.56BN/A

Showing 15 of 52 rows

Data via yfinance. Prices may be delayed. · Privacy

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