JPM JPMorgan Chase & Co. - Fundamental Analysis
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JPM Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Diversified
Current Price
Live
$312.47
Analyst Target
$342.13
+9.5%
Upside
52W High
$337.25
52W Low
$202.16
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$850.63B
P/E
15.62
ROE
16.1%
Profit margin
33.9%
Debt/Equity
N/A
Dividend yield
1.94%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The deterministic health scores raise significant concerns, with a Piotroski F-Score of just 2/9 indicating weak financial health. Despite strong profitability metrics like a 33.91% profit margin and 16.13% ROE, the company faces declining earnings growth and weak technical momentum. Valuation appears stretched relative to Graham’s defensive standard of $239.11, though it trades below the analyst target of $342.13. Mixed signals from fundamentals, sentiment, and growth trends support a neutral stance.
Key Strengths
Exceptional profitability with a 33.91% profit margin and 42.65% operating margin
Strong return on equity (16.13%) above sector average of 23.50% despite sector headwinds
Low P/E ratio of 15.62 compared to sector average of 24.45, suggesting relative value
Healthy dividend payout ratio of 28.97%, supporting sustainable yield of 1.94%
Significant earnings beat history with 19 out of 25 quarters beating estimates
Key Risks
Very low Piotroski F-Score of 2/9 signals deteriorating financial health
Negative year-over-year earnings growth of -3.70% and declining Q/Q EPS trend
Bearish technical trend score of 10/100 indicating weak price momentum
Insider selling activity in the last 6 months, signaling lack of confidence
Missing key financial data (Debt/Equity, Altman Z-Score, Cash/Debt) limits risk assessment
AI Fair Value Estimate
Based on comprehensive analysis
$239.11
-23.5% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
65
45
70
30
60
AI Verdict
Neutral with upside risk if earnings stabilize
Key drivers: Low Piotroski score dragging down health assessment, Strong historical earnings surprises supporting future confidence, Valuation discount to peers on P/E basis, Negative earnings growth trends limiting future score, Insider selling and weak technicals reducing momentum appeal
Confidence
75%
Value
65/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 15.62 below sector average of 24.45
- Forward P/E of 13.54 suggests improving earnings outlook
- Price/Sales of 5.06 in line with large-cap bank valuations
Watchpoints
- Current price ($312.47) significantly above Graham Number ($239.11)
- PEG Ratio unavailable, limiting growth-adjusted valuation
Future
45/100
Ref Growth rates
Positives
- Analyst target price of $342.13 implies 9.5% upside
- Forward P/E contraction suggests earnings improvement expected
Watchpoints
- YoY earnings growth negative at -3.70%
- Q/Q EPS growth declining at -8.7%
- Revenue growth sluggish at 2.50% YoY
Past
70/100
Ref Historical trends
Positives
- Consistent earnings beat record: 19 of 25 quarters above estimates
- Long-term price performance strong: +157.1% over 5 years
- Only two negative earnings surprises in the last 10 quarters
Watchpoints
- Recent earnings volatility evident (e.g., -15.7% surprise in Jan 2024)
- Gross margin listed as 0.00%, atypical for a diversified bank
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 16.13% remains solid
- No Altman Z-Score provided, but no distress signal confirmed
Watchpoints
- Piotroski F-Score of 2/9 indicates serious financial weakness
- Missing key ratios: Debt/Equity, Current Ratio, Quick Ratio
- ROA low at 1.35% despite high ROE
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend yield of 1.94% above broad market average
- Payout ratio of 28.97% indicates room for future increases
Watchpoints
- Dividend Strength score very low at 25/100
- No 5-year average yield data to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$312.47
Analyst Target
$342.13
Upside/Downside
+9.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for JPM and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
JPM
JPMorgan Chase & Co.
Primary
|
+157.1% | +138.3% | +25.4% | +8.3% | -0.3% | -5.1% |
|
BRK-B
Berkshire Hathaway Inc.
Peer
|
+105.6% | +53.9% | +4.2% | -1.1% | -4.5% | -2.9% |
|
BRK-A
Berkshire Hathaway Inc.
Peer
|
+104.9% | +53.1% | +4.6% | -0.7% | -4.0% | -2.7% |
|
V
Visa Inc.
Peer
|
+68.8% | +50.6% | +4.2% | -5.6% | -4.7% | -6.1% |
|
MA
Mastercard Incorporated
Peer
|
+70.3% | +46.4% | +3.7% | -2.1% | -4.5% | -6.3% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.62
Forward P/E
13.54
PEG Ratio
N/A
P/B Ratio
2.46
P/S Ratio
5.06
EV/Revenue
2.36
EV/EBITDA
N/A
Market Cap
$850.63B
Profitability
Profit margins and return metrics
Profit Margin
33.91%
Operating Margin
42.65%
Gross Margin
N/A
ROE
16.13%
ROA
1.35%
Growth
Revenue and earnings growth rates
Revenue Growth
+2.5%
Earnings Growth
-3.7%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-7.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$549.9
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-14
$N/A
2026-01-13
$4.63
-4.6% surprise
2025-10-14
$5.07
+4.0% surprise
2025-07-15
$4.96
+10.9% surprise
Financial Services Sector Comparison
Comparing JPM against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
15.62
This Stock
vs
30.37
Sector Avg
-48.6%
(Discount)
Return on Equity (ROE)
16.13%
This Stock
vs
-7.62%
Sector Avg
-311.7%
(Below Avg)
Profit Margin
33.91%
This Stock
vs
82.75%
Sector Avg
-59.0%
(Weaker)
Revenue Growth
2.5%
This Stock
vs
28.35%
Sector Avg
-91.2%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
JPM
JPMorgan Chase & Co.
|
NEUTRAL | $850.63B | 15.62 | 16.1% | 33.9% | $312.47 | |
|
BRK-B
Berkshire Hathaway Inc.
|
NEUTRAL | $1.03T | 15.51 | 10.2% | 18.1% | $478.97 | |
|
BRK-A
Berkshire Hathaway Inc.
|
NEUTRAL | $1.04T | 15.48 | 10.2% | 18.1% | $720932.0 | |
|
V
Visa Inc.
|
NEUTRAL | $633.59B | 32.22 | 52.1% | 50.1% | $328.3 | |
|
MA
Mastercard Incorporated
|
NEUTRAL | $487.71B | 34.52 | 184.9% | 45.3% | $539.49 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-13 | ROHRBAUGH TROY L | Officer | Stock Award | 42,788 | - |
| 2026-01-13 | PETNO DOUGLAS B | Chief Executive Officer | Stock Award | 29,976 | - |
| 2026-01-13 | LAKE MARIANNE | Chief Executive Officer | Stock Award | 33,918 | - |
| 2026-01-13 | BACON ASHLEY | Officer | Stock Award | 28,908 | - |
| 2026-01-13 | FRIEDMAN STACEY R. | General Counsel | Stock Award | 29,442 | - |
| 2026-01-13 | PIEPSZAK JENNIFER A | Chief Operating Officer | Stock Award | 33,918 | - |
| 2026-01-13 | KORABLINA ELENA A | Officer | Stock Award | 14,746 | - |
| 2026-01-13 | BARNUM JEREMY | Chief Financial Officer | Stock Award | 24,882 | - |
| 2026-01-13 | LEOPOLD ROBIN | Officer | Stock Award | 14,742 | - |
| 2026-01-13 | BEER LORI A | Chief Technology Officer | Stock Award | 17,165 | - |
| 2026-01-13 | ERDOES MARY E. | Officer | Stock Award | 50,138 | - |
| 2025-12-31 | NOVAKOVIC PHEBE N | Director | Stock Award | 116 | $37,500 |
| 2025-12-31 | ROMETTY VIRGINIA M | Director | Stock Award | 112 | $36,304 |
| 2025-12-31 | HOBSON MELLODY L | Director | Stock Award | 139 | $45,000 |
| 2025-12-31 | BURKE STEPHEN B | Director | Stock Award | 174 | $56,250 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
23 analysts
CICC
2026-01-14
Outperform
Truist Securities
2026-01-06
Hold
Hold
Barclays
2026-01-05
Overweight
Overweight
Truist Securities
2025-12-18
Hold
Hold
Keefe, Bruyette & Woods
2025-12-17
Outperform
Outperform
Wells Fargo
2025-11-03
Overweight
Overweight
Barclays
2025-10-15
Overweight
Overweight
Morgan Stanley
2025-10-15
Equal-Weight
Equal-Weight
UBS
2025-10-07
Buy
Buy
Evercore ISI Group
2025-09-30
Outperform
Outperform
Past News Coverage
Recent headlines mentioning JPM from our newsroom.
Newest → oldest
No matching news yet.