JPMorgan Chase (JPM) AI Stock Analysis

• Market Cap: $839.66B
• Dividend Yield: 1.82%
• Average Volume (3M): 8.90M
• Price to Earnings (P/E): 15.1
• Beta (1Y): 1.14
• Revenue Growth: 1.95%
• EPS Growth: 12.32%
• Country: US
• Employees: 318,477
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 5.07
• Shares Outstanding: 2,749,754,000
• 10 Day Avg. Volume: 8,881,058
• 30 Day Avg. Volume: 8,904,180
• 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: 2.30
• Enterprise Value/Revenue: 7.02
• Enterprise Value/Gross Profit: 11.82
• Enterprise Value/Ebitda: 24.49
• 1Y Price Target: $338.77
• Price Target Upside: 10.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17

• Rating: 70 Outperform
• Price Target: $330.00 ▲(8.02% Upside)

JPMorgan Chase's strong financial performance and optimistic earnings call outlook are key strengths, despite cash flow challenges and technical analysis indicating potential short-term weakness. The valuation is reasonable, providing a balanced investment opportunity with moderate income potential.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust business expansion and effective market penetration, supporting long-term financial health.

Asset and Wealth Management Performance

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

Leverage Management

Improved leverage management enhances financial stability and reduces risk, providing a solid foundation for future growth.

Negative Factors

Cash Flow Challenges

Cash flow challenges, despite profitability, may strain liquidity and limit investment capacity, impacting long-term operations.

Increased Credit Costs

Rising credit costs can erode profitability and indicate potential risk in lending practices, affecting financial stability.

Decline in CET1 Ratio

A declining CET1 ratio suggests reduced capital buffer, potentially limiting the bank's ability to absorb financial shocks.

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 multiple streams, primarily from interest income, fees, and investment returns. The Consumer & Community Banking segment earns money by offering savings and checking accounts, mortgages, auto loans, and credit cards, which generate interest income as well as fees from transactions and account maintenance. The Corporate & Investment Bank segment earns significant revenue through advisory and underwriting fees from mergers and acquisitions, capital market activities, and trading and investment management services. The Commercial Banking division derives revenue from lending services to mid-sized companies and other businesses, while the Asset & Wealth Management segment generates fees from managing client portfolios and providing investment advice. Additionally, JPMorgan Chase benefits from strategic partnerships and technology investments that enhance its service offerings and operational efficiency, contributing to its overall profitability.

JPMorgan Chase Financial Statement Overview

Summary

JPMorgan Chase demonstrates strong revenue growth and profitability, with effective leverage management. However, cash flow issues present a risk, highlighting the need for improved cash management strategies. The overall financial health is solid, but attention to cash flow stability is crucial.

Income Statement

JPMorgan Chase shows strong revenue growth with a TTM increase of 77.1%, indicating robust business expansion. The gross profit margin remains healthy at 59.4%, and the net profit margin is solid at 20.5%. However, there is a slight decline in EBIT and EBITDA margins compared to the previous year, suggesting increased operational costs.

Balance Sheet

The debt-to-equity ratio has improved to 1.36 from 2.18, reflecting better leverage management. Return on equity is strong at 16.2%, indicating effective use of equity capital. However, the equity ratio is relatively low, suggesting a high reliance on debt financing.

Cash Flow

The cash flow situation is concerning, with negative operating and free cash flows. Although there is a positive free cash flow growth rate, the operating cash flow to net income ratio is negative, indicating cash flow challenges despite profitability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	275.52B	278.91B	236.27B	153.82B	127.24B	129.84B
Gross Profit	163.75B	166.88B	145.67B	121.39B	130.91B	102.47B
EBITDA	79.04B	83.02B	69.12B	53.22B	67.49B	44.43B
Net Income	56.53B	58.47B	49.55B	37.68B	48.33B	29.13B
Balance Sheet
Total Assets	4.55T	4.00T	3.88T	3.67T	3.74T	3.38T
Cash, Cash Equivalents and Short-Term Investments	890.92B	866.01B	816.64B	763.93B	1.03T	883.56B
Total Debt	485.10B	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	356.92B	344.76B	327.88B	292.33B	294.13B	279.35B
Cash Flow
Free Cash Flow	-148.62B	-42.01B	12.97B	107.12B	78.08B	-79.91B
Operating Cash Flow	-148.62B	-42.01B	12.97B	107.12B	78.08B	-79.91B
Investing Cash Flow	-316.92B	-163.40B	67.64B	-137.82B	-129.34B	-261.91B
Financing Cash Flow	335.90B	63.45B	-25.57B	-126.26B	275.99B	596.64B

JPMorgan Chase Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 305.51
• 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 305.51 is above the 20-day moving average (MA) of 302.87, above the 50-day MA of 303.14, and above the 200-day MA of 271.80, indicating a bullish trend. The MACD of -0.71 indicates Negative momentum. The RSI at 53.42 is Neutral, neither overbought nor oversold. The STOCH value of 76.44 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
HSBC	―	$243.82B	14.78	8.66%	4.68%	-9.54%	-22.46%
MUFG	―	$169.15B	14.05	9.43%	1.39%	0.82%	28.48%
JPM	―	$839.66B	15.13	16.35%	1.82%	1.95%	12.32%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	―	$182.47B	14.25	6.88%	2.30%	-0.63%	105.57%
BAC	―	$391.61B	14.42	9.87%	2.02%	-0.27%	33.84%
WFC	―	$275.50B	14.31	11.56%	1.92%	-4.18%	26.41%

JPMorgan Chase Corporate Events

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.

The most recent analyst rating on (JPM) stock is a Hold with a $324.00 price target. To see the full list of analyst forecasts on JPMorgan Chase stock, see the JPM Stock Forecast page.

JPMorgan Chase Reports Strong Q3 2025 Earnings

JPMorgan Chase & Co. is a leading global financial services firm based in the United States, offering a wide range of services including investment banking, consumer and small business financial services, commercial banking, financial transaction processing, and asset management. The firm operates under the J.P. Morgan and Chase brands, serving millions of customers worldwide.

JPMorgan Chase Earnings Call: Strong Growth Amid Challenges

JPMorgan Chase & Co. recently held its earnings call, revealing a strong financial performance across most segments, marked by significant revenue growth and resilient consumer behavior. Despite these positive results, the company faces challenges such as increased credit costs due to fraud and a decrease in the CET1 ratio, which could pose potential risks. The overall sentiment remains optimistic, albeit with caution regarding specific headwinds in deposits and credit costs.

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.

The most recent analyst rating on (JPM) stock is a Buy with a $330.00 price target. To see the full list of analyst forecasts on JPMorgan Chase stock, see the JPM Stock Forecast page.

JPMorgan Chase Updates Bylaws, Alters Auditor Title

On September 12, 2025, JPMorgan Chase & Co. amended its By-laws to change the officer title from ‘General Auditor’ to ‘Chief Audit Executive’ in specific sections. This change reflects a strategic update in the company’s governance structure, potentially impacting its internal audit processes and stakeholder perceptions.

The most recent analyst rating on (JPM) stock is a Buy with a $330.00 price target. To see the full list of analyst forecasts on JPMorgan Chase stock, see the JPM Stock Forecast page.