JPMorgan Chase (JPM) AI Stock Analysis

• Market Cap: $863.53B
• Dividend Yield: 1.79%
• Average Volume (3M): 9.35M
• Price to Earnings (P/E): 15.7
• Beta (1Y): 1.13
• Revenue Growth: 1.89%
• EPS Growth: 12.32%
• Country: US
• Employees: 318,477
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 5.07
• Shares Outstanding: 2,722,262,200
• 10 Day Avg. Volume: 12,689,870
• 30 Day Avg. Volume: 9,351,576
• PEG Ratio: 0.54
• Price to Book (P/B): 2.00
• Price to Sales (P/S): 2.54
• P/FCF Ratio: -16.40
• Enterprise Value/Market Cap: 1.24
• Enterprise Value/Revenue: 3.86
• Enterprise Value/Gross Profit: 6.42
• Enterprise Value/Ebitda: 13.24
• 1Y Price Target: $336.36
• Price Target Upside: 6.04% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17
• EPS Forecast (FY): 20.21
• Revenue Forecast (FY): $183.23B

• Rating: 72 Outperform
• Price Target: $346.00 ▲(9.08% Upside)

JPMorgan Chase's overall stock score is driven by strong financial performance and positive earnings call sentiment. However, challenges in cash flow management and potential risks from increased credit costs and high debt levels temper the outlook. Technical indicators suggest moderate bullish momentum, but valuation metrics indicate the stock is fairly priced.

Positive Factors

Revenue Growth

Strong revenue growth indicates a robust business model and effective market strategies, supporting long-term financial health and competitiveness.

Asset and Wealth Management Performance

Record performance in asset management reflects strong client trust and effective management, contributing to sustained profitability and market leadership.

Strategic Initiative in Security & Resiliency

The initiative positions JPMorgan to capitalize on growing sectors, enhancing its market position and long-term growth prospects in strategic industries.

Negative Factors

Increased Credit Costs

Rising credit costs can pressure margins and profitability, indicating potential risk management challenges that may affect future earnings stability.

Decline in CET1 Ratio

A declining CET1 ratio suggests reduced capital adequacy, potentially limiting the bank's ability to absorb losses and impacting financial resilience.

Regulatory Challenges

Regulatory fines highlight compliance issues, which can lead to reputational damage and increased scrutiny, affecting operational efficiency and market trust.

JPMorgan Chase Business Overview & Revenue Model

Company Description

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

How the Company Makes Money

JPMorgan Chase generates revenue through several key streams. The bulk of its income comes from net interest income, which arises from the interest earned on loans and securities minus the interest paid on deposits and borrowings. Additionally, the company earns substantial fees from its investment banking activities, including advisory services for mergers and acquisitions, underwriting of securities, and market-making activities. The Asset & Wealth Management segment contributes through management fees and performance-based fees from investment products. Furthermore, the Commercial Banking division generates revenue through lending, treasury services, and other financial products targeted at mid-sized businesses. Strategic partnerships, such as collaborations with technology firms for fintech solutions, also enhance its service offerings and revenue potential, while a strong global presence allows it to capitalize on international markets.

JPMorgan Chase Financial Statement Overview

Summary

JPMorgan Chase exhibits strong revenue growth and profitability, supported by robust margins and effective equity utilization. However, challenges in cash flow management, with negative operating and free cash flows, and high total debt pose potential risks.

Income Statement

JPMorgan Chase demonstrates strong revenue growth with a TTM revenue growth rate of 0.81%. The company maintains healthy margins, with a gross profit margin of 60.21% and a net profit margin of 20.89% in the TTM period. EBIT and EBITDA margins are also robust at 26.21% and 29.10%, respectively, indicating efficient operational management. Overall, the income statement reflects solid profitability and growth.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 1.38 in the TTM period, which is an improvement from previous years, indicating better leverage management. Return on equity is strong at 16.42%, showcasing effective use of equity capital. The equity ratio is stable, reflecting a solid capital structure. However, the high total debt remains a potential risk factor.

Cash Flow

JPMorgan Chase's cash flow statement reveals challenges, with negative operating and free cash flows in the TTM period. The free cash flow growth rate is significantly negative, indicating cash flow management issues. The operating cash flow to net income ratio is negative, suggesting inefficiencies in converting income to cash. Despite these challenges, the free cash flow to net income ratio remains at 1.0, indicating some level of cash flow stability relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	277.73B	270.79B	236.27B	153.82B	127.24B	129.84B
Gross Profit	167.19B	158.78B	145.67B	121.39B	130.91B	102.47B
EBITDA	81.02B	83.02B	69.12B	53.22B	67.49B	44.43B
Net Income	58.03B	58.47B	49.55B	37.68B	48.33B	29.13B
Balance Sheet
Total Assets	4.56T	4.00T	3.88T	3.67T	3.74T	3.38T
Cash, Cash Equivalents and Short-Term Investments	729.25B	866.01B	816.64B	763.93B	1.03T	883.56B
Total Debt	496.56B	751.15B	653.07B	542.50B	548.94B	542.10B
Total Liabilities	4.20T	3.66T	3.55T	3.37T	3.45T	3.11T
Stockholders Equity	360.21B	344.76B	327.88B	292.33B	294.13B	279.35B
Cash Flow
Free Cash Flow	-119.75B	-42.01B	12.97B	107.12B	78.08B	-79.91B
Operating Cash Flow	-119.75B	-42.01B	12.97B	107.12B	78.08B	-79.91B
Investing Cash Flow	-294.83B	-163.40B	67.64B	-137.82B	-129.34B	-261.91B
Financing Cash Flow	277.38B	63.45B	-25.57B	-126.26B	275.99B	596.64B

JPMorgan Chase Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 317.21
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JPM, the sentiment is Positive. The current price of 317.21 is above the 20-day moving average (MA) of 311.12, above the 50-day MA of 307.69, and above the 200-day MA of 280.70, indicating a bullish trend. The MACD of 2.53 indicates Negative momentum. The RSI at 56.05 is Neutral, neither overbought nor oversold. The STOCH value of 67.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JPM.

JPMorgan Chase Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WFC	80 Outperform	$291.97B	15.32	11.56%	1.83%	-4.37%	26.41%
MS	76 Outperform	$281.28B	18.17	15.15%	2.18%	7.22%	48.18%
GS	73 Outperform	$267.98B	18.15	13.57%	1.57%	2.31%	44.49%
JPM	72 Outperform	$863.53B	15.71	16.35%	1.79%	1.89%	12.32%
BAC	72 Outperform	$403.61B	15.06	9.87%	1.95%	0.15%	33.84%
C	68 Neutral	$205.52B	16.15	6.88%	2.02%	-0.62%	105.57%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

JPMorgan Chase Corporate Events

JPMorgan Chase Board Member Todd Combs Resigns

On December 7, 2025, Todd A. Combs announced his resignation from the Board of Directors of JPMorgan Chase & Co., effective immediately. His departure is not due to any disagreements with the company, indicating a smooth transition and continuity in the board’s operations.

JPMorgan Chase Closes $5 Billion Note Offerings

On October 22, 2025, JPMorgan Chase & Co. successfully closed public offerings of $2 billion in Fixed-to-Floating Rate Notes due 2031 and $3 billion in Fixed-to-Floating Rate Notes due 2036. These offerings, registered under the Securities Act of 1933, signify a strategic financial maneuver to potentially enhance liquidity and financial flexibility, impacting the company’s market positioning and stakeholder interests.

JPMorgan Chase Q3 2025 Earnings Presentation Held

On October 14, 2025, JPMorgan Chase & Co. held an investor presentation to review its third-quarter earnings for 2025. The presentation included slides that were made available on the firm’s website. The information shared in the presentation is not considered filed under the Securities Exchange Act of 1934, and the firm has issued a disclaimer regarding forward-looking statements, noting that actual results may differ due to various risks and uncertainties.