JPM JPMorgan Chase & Co. - Fundamental Analysis
NEUTRAL
JPM Stock | Fundamental Analysis & Investment Insights
NYSE
•
Financial Services
•
Banks - Diversified
Current Price
$325.48
Analyst Target
$328.87
+1.0% Upside
52W High
$330.86
52W Low
$202.16
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
78%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a deeply conflicting profile: while the Altman Z-Score is astronomically high (1241216869990.4), indicating virtually no distress risk, the Piotroski F-Score is critically low at 2/9, signaling weak financial health based on profitability, leverage, and operating efficiency trends. Despite strong profitability metrics like a 34.70% profit margin and 16.44% ROE, the technical trend is bearish (10/100), insider activity is net selling, and valuation multiples trade above sector averages despite solid but not exceptional growth. The stock is fairly valued near $325, with a Graham Number of $238.19 and an intrinsic value estimate of $595.31, though qualitative concerns cap upside. Analysts recommend a 'buy', but weak technicals and insider sentiment temper near-term optimism.
Key Strengths
Exceptionally high Altman Z-Score (1241216869990.4) indicates near-zero bankruptcy risk and robust balance sheet resilience
Strong profitability with 34.70% net margin and 16.44% ROE, outperforming sector average ROE of 25.76% on margin efficiency
Consistent earnings growth with 16.0% YoY EPS increase and a strong earnings beat record (22 out of 25 quarters beating estimates)
Attractive dividend profile with a sustainable 1.84% yield and low 27.49% payout ratio, allowing for future increases
Valuation is reasonable relative to peers, with a P/E of 16.13 below sector average of 23.34 despite superior earnings stability
Key Risks
Critically low Piotroski F-Score of 2/9 suggests deteriorating financial health, particularly in earnings quality and leverage trends
Bearish technical trend (10/100) and recent insider selling signal short-term caution among informed investors
Missing key financial data (Debt/Equity, Cash/Debt, Current Ratio) raises transparency concerns and limits health assessment
Gross Margin reported as 0.00%, which is atypical for a diversified bank and may indicate data error or structural risk
Revenue growth (8.80% YoY) lags sector average of 23.00%, raising concerns about top-line momentum relative to peers
AI Fair Value Estimate
Based on comprehensive analysis
$335.0
+2.9% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare JPM against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations