JPMorgan Chase (JPM) AI Stock Analysis

• Market Cap: $857.24B
• Dividend Yield: 1.69%
• Average Volume (3M): 7.26M
• Price to Earnings (P/E): 16.0
• Beta (1Y): 1.16
• Revenue Growth: 4.00%
• EPS Growth: 8.73%
• Country: US
• Employees: 318,477
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 5.24
• Shares Outstanding: 2,749,754,000
• 10 Day Avg. Volume: 8,136,204
• 30 Day Avg. Volume: 7,262,980
• 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: 2.21
• Enterprise Value/Revenue: 6.89
• Enterprise Value/Gross Profit: 11.59
• Enterprise Value/Ebitda: 24.02
• 1Y Price Target: $309.59
• Price Target Upside: -1.16% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 20

• Rating: 74 Outperform
• Price Target: $328.00 ▲(4.72% Upside)

JPMorgan Chase's overall stock score reflects strong financial performance and positive earnings call sentiment, despite cash flow challenges. The recent corporate event further enhances its financial standing, supporting a stable outlook.

Positive Factors

Revenue Growth

The significant revenue growth indicates robust business expansion and strong market demand, enhancing long-term competitiveness and financial stability.

Debt Management

Improved leverage management reflects prudent financial strategies, reducing risk and increasing financial flexibility for future investments.

Digital Expansion

Expanding digital banking into Germany enhances JPMorgan's European presence, tapping into new markets and leveraging digital transformation for growth.

Negative Factors

Cash Flow Challenges

Cash flow issues could strain liquidity, affecting the company's ability to fund operations and growth initiatives, necessitating improved cash management.

Increased Credit Costs

Rising credit costs can impact profitability and indicate potential credit quality issues, posing risks to financial performance and stability.

CET1 Ratio Decline

A decline in the CET1 ratio suggests reduced capital adequacy, which could limit the firm's ability to absorb financial shocks and support growth.

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: 313.23
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 313.23 is above the 20-day moving average (MA) of 301.36, above the 50-day MA of 295.68, and above the 200-day MA of 263.07, indicating a bullish trend. The MACD of 4.70 indicates Negative momentum. The RSI at 69.65 is Neutral, neither overbought nor oversold. The STOCH value of 94.95 is Negative, 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	81 Outperform	237.52B	13.81	12.96%	4.72%	-2.96%	-13.66%
JPM	74 Outperform	$857.24B	16.00	16.13%	1.69%	4.00%	8.73%
BAC	74 Outperform	380.72B	15.05	9.37%	2.03%	4.95%	20.49%
MUFG	74 Outperform	174.15B	14.52	9.08%	2.25%	0.82%	28.48%
WFC	72 Outperform	264.22B	14.15	11.36%	1.98%	0.37%	19.89%
C	70 Outperform	187.33B	15.05	6.65%	2.23%	0.52%	89.25%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

JPMorgan Chase Corporate Events

JPMorgan Chase Completes $4 Billion Notes Offering

On July 23, 2025, JPMorgan Chase & Co. successfully completed a public offering of $4 billion in Fixed-to-Floating Rate Subordinated Notes due in 2036. This financial move, registered under the Securities Act of 1933, signifies a strategic effort to bolster the company’s financial standing and potentially enhance its market position, impacting stakeholders by providing additional capital for future growth and operational flexibility.

JPMorgan Chase Q2 2025 Earnings Presentation Held

On July 15, 2025, JPMorgan Chase & Co. held an investor presentation to review its second quarter earnings for 2025. The presentation included slides that were made available on the firm’s website, but the information is not considered filed for purposes of the Securities Exchange Act of 1934. The report also contained forward-looking statements, highlighting potential risks and uncertainties that could affect actual results, as outlined in the firm’s previous filings with the SEC.

JPMorgan Chase Announces Preliminary Stress Capital Buffer

On July 1, 2025, JPMorgan Chase & Co. released a statement regarding its preliminary Stress Capital Buffer requirement. This announcement is significant as it impacts the firm’s regulatory capital requirements and could influence its financial strategies and stakeholder relations.

JPMorgan Chase Releases 2025 Dodd-Frank Stress Test Results

On July 1, 2025, JPMorgan Chase released the results of its 2025 Dodd-Frank Act Stress Test, which were conducted for both the firm and its national banking association. The results, which are not deemed filed for certain regulatory purposes, provide insights into the firm’s financial resilience and compliance with regulatory requirements, impacting its operations and industry positioning.