JPMorgan Chase (JPM) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Apr 14, 2026

Before Open (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

4.26

Last Year’s EPS

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 20 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 13, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed solid underlying financial performance (quarterly revenue and earnings growth, strong AWM inflows, resilient consumer and CIB activity) and a healthy capital position, while also flagging near-term headwinds: meaningful expense growth for 2026 driven by strategic investments, one-time reserve and RWA impacts from the Apple Card transaction, elevated advanced RWA temporarily pressuring capital, and notable regulatory/policy risks (card rate cap discussion, stablecoin regulation) that could materially affect card economics. Management emphasizes investment for long-term franchise growth and expects modest NII and loan growth scenarios while warning of possible downside from policy changes.

Company Guidance

On the call JPMorgan guided to a 2026 net interest income (NII) profile of roughly $103 billion in total — implicitly about $95 billion ex‑markets with markets NII rising to roughly $8 billion — while forecasting adjusted operating expense of about $105 billion for 2026 and a 2026 card net charge‑off rate of approximately 3.4% (with an unfavorable delinquency trend); at quarter‑end standardized CET1 was 14.5% (down 30 bps), the Apple Card transaction drove about $23 billion of standardized RWA and roughly $110 billion of advanced RWA on close (expected to fall to ~ $30 billion), and the firm took a $2.2 billion NCCV reserve build related to that purchase; for context full‑year 2025 (ex significant items) net income was $57.5 billion, EPS $20.18, revenue $185 billion and ROTCE 20% (Q4 net income $13 billion, EPS $4.63, revenue $46.8 billion up 7% YoY, expenses $24 billion up 5% YoY, ROTCE 18%), with business highlights including DCP revenue $19.4 billion (+6% YoY) and debit/credit sales +7% YoY, CIB revenue $19.4 billion (+10% YoY; equities +40%, FICC +7%), AWM revenue $6.5 billion (+13% YoY) with pretax margin 38% and long‑term net inflows $52 billion in the quarter ($29 billion for the year), liquidity net inflows $105 billion qtr/$183 billion year and record client asset net inflows of $553 billion for 2025.

Strong Quarterly and Full-Year Profitability

Reported Q4 net income of $13.0 billion and EPS of $4.63; ROTCE of 18%. Excluding significant items, full-year net income of $57.5 billion, EPS of $20.18 and ROTCE of 20%.

Revenue Growth

Fourth-quarter revenue of $46.8 billion, up 7% year-over-year, driven by higher markets revenue, asset management fees and auto lease income.

Business Segment Strength — CIB and AWM

Corporate & Investment Bank (CIB) revenue $19.4 billion, up 10% YoY with equities up 40% and fixed income/securitized products/EM rates up 7%. Asset & Wealth Management (AWM) revenue $6.5 billion, up 13% YoY with a pretax margin of 38%.

Strong Asset Flows in AWM

Long-term net inflows of $52 billion in the quarter (positive across channels, regions, and asset classes); liquidity net inflows of $105 billion in the quarter and record client asset net inflows of $553 billion for the year.

Consumer & Card Franchise Resilience and Customer Acquisition

Consumers and small businesses described as resilient; debit and credit sales volumes up 7% YoY. Full-year growth included 1.7 million net new checking accounts and 10.4 million new card accounts; record wealth-management households across digital and advised channels.

Clear Forward Guidance on NII and Expenses

Company guidance: NII ex-markets ~ $95 billion for 2026; total NII ~ $103 billion with markets NII ~ $8 billion; adjusted expense outlook of about $105 billion for 2026 (management cites these investments as strategic for growth).

Prudent Provisions and Transparency on Apple Card Transaction

Acknowledged and booked the previously announced reserve build of $2.2 billion (NCCV) related to the Apple Card forward purchase commitment and provided detailed RWA and allowance disclosures tied to the transaction.

Healthy Capital Ratio

Standardized CET1 ratio of 14.5% at quarter-end, reflecting continued capital strength despite quarterly decline of 30 basis points due to capital distributions and higher RWA.

JPMorgan Chase (CH:JPM) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CH:JPM Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 14, 2026	2026 (Q1)	4.26 / -	3.998	―	―	―
Jan 13, 2026	2025 (Q4)	3.83 / 3.65	3.793	-3.74% (-0.14)
Oct 14, 2025	2025 (Q3)	3.82 / 4.00	3.446	16.02% (+0.55)
Jul 15, 2025	2025 (Q2)	3.54 / 4.13	4.826	-14.38% (-0.69)
Apr 11, 2025	2025 (Q1)	3.65 / 4.00	3.501	14.19% (+0.50)
Jan 15, 2025	2024 (Q4)	3.23 / 3.79	2.397	58.22% (+1.40)
Oct 11, 2024	2024 (Q3)	3.15 / 3.45	3.415	0.92% (+0.03)
Jul 12, 2024	2024 (Q2)	4.64 / 4.83	3.746	28.84% (+1.08)
Apr 12, 2024	2024 (Q1)	3.29 / 3.50	3.233	8.29% (+0.27)
Jan 12, 2024	2023 (Q4)	2.64 / 2.40	2.815	-14.85% (-0.42)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CH:JPM Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 13, 2026	CHF107.86	CHF107.86	0.00%
Oct 14, 2025	CHF107.86	CHF107.86	0.00%
Jul 15, 2025	CHF107.86	CHF107.86	0.00%
Apr 11, 2025	CHF107.86	CHF107.86	0.00%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.