JPMorgan Chase (JPM) AI Stock Analysis

• Market Cap: $811.29B
• Dividend Yield: 1.86%
• Average Volume (3M): 8.23M
• Price to Earnings (P/E): 14.8
• 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: 8,193,953
• 30 Day Avg. Volume: 8,226,366
• PEG Ratio: 0.54
• Price to Book (P/B): 2.00
• Price to Sales (P/S): 2.47
• P/FCF Ratio: -16.40
• Enterprise Value/Market Cap: 2.40
• Enterprise Value/Revenue: 7.00
• Enterprise Value/Gross Profit: 11.64
• Enterprise Value/Ebitda: 24.01
• 1Y Price Target: $344.31
• Price Target Upside: 15.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17
• EPS Forecast (FY): 20.22
• Revenue Forecast (FY): $183.09B

• Rating: 72 Outperform
• Price Target: $346.00 ▲(16.10% 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. is a leading global financial services firm headquartered in New York City, serving millions of consumers and many of the world's most prominent corporate, institutional and government clients. The firm operates in more than 100 markets worldwide and offers a wide range of services, including investment banking, financial services for consumers and businesses, financial transaction processing, asset management, and private equity. Its core divisions include Consumer & Community Banking, Corporate & Investment Bank, Commercial Banking, and Asset & Wealth Management.

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 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	-36.46B	-42.01B	12.97B	107.12B	78.08B	-79.91B
Operating Cash Flow	-36.46B	-42.01B	12.97B	107.12B	78.08B	-79.91B
Investing Cash Flow	-378.11B	-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: Neutral
• Last Price: 298.02
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JPM, the sentiment is Neutral. The current price of 298.02 is below the 20-day moving average (MA) of 307.95, below the 50-day MA of 306.99, and above the 200-day MA of 275.94, indicating a neutral trend. The MACD of -1.26 indicates Positive momentum. The RSI at 40.55 is Neutral, neither overbought nor oversold. The STOCH value of 15.95 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JPM.

JPMorgan Chase Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MS	76 Outperform	$251.38B	16.23	15.15%	2.43%	7.22%	48.18%
WFC	76 Outperform	$260.89B	13.69	11.56%	2.05%	-4.37%	26.41%
JPM	72 Outperform	$811.29B	14.76	16.35%	1.86%	1.89%	12.32%
GS	71 Outperform	$232.15B	15.72	13.57%	1.68%	2.31%	44.49%
BAC	70 Outperform	$376.52B	14.05	9.87%	2.02%	0.15%	33.84%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	67 Neutral	$176.60B	13.88	6.88%	2.35%	-0.62%	105.57%

JPMorgan Chase Corporate Events

JPMorgan Chase Faces Regulatory Challenges: Potential Impact on Operations and Market Position

JPMorgan Chase & Co. faces potential business risks stemming from its supervision and regulation, as detailed in their 2024 Form 10-K. Regulatory changes or increased scrutiny could impact the company’s operations, compliance costs, and strategic initiatives. The financial institution must continuously adapt to evolving regulatory landscapes to mitigate these risks. Failure to do so could result in penalties or restrictions that may affect its financial performance and market position.

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.