Stock Analysis
JPMorgan Chase & Co.JPM
P/E 13.88×· 5Y range 7.76–16.04×· 75th percentile of history
Sector: Financial Services · Industry: Banks
AnalystsBuy30 analystsP/E 13.9× sits at the 75th percentile of its 5.089664613278576-year history.
PMP Verdict
Weak fundamentals, expensive
Strengths
- Profitability82
Risks
- Valuation45
- Financial Health6
Weak fundamentals at a demanding price.
Market context
+1.2% today· Z 1.2σ· JPMorgan shares rose 2.58% alongside a broader market rally led by cyclical sectors as Q3 earnings week concluded.
Bull Case
- ✓ROE 18.0% — efficient capital deployment
- ✓Revenue CAGR 10.7% — durable top-line growth
What's happening with JPM
Profile
Strong profitability; financial health, moat, earnings quality, growth and valuation lag behind.
How is each axis scored?
- Valuation45/100 · Weak
- P/E vs own history (75th pct)5/25
- FCF yield (n/a)10/25
- P/S (4.5x)20/25
- EV/EBIT (n/a)10/25
- Growth43/100 · Weak
- Revenue CAGR (10.7%)20/25
- Net income CAGR (4.2%)6/25
- EPS CAGR 5Y (6.5%)12/25
- Fwd implied growth (2.1%)5/25
- Profitability82/100 · Strong
- ROIC (13.4%)12/25
- ROE (18.0%)20/25
- Net margin (32.6%)25/25
- Operating margin (36.4%)25/25
- Financial Health6/100 · Weak
- Altman Z (0.36)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.7x)3/25
- Net cash / debt (n/a)0/25
- Quality37/100 · Weak
- Piotroski F (2/9)5/25
- Beneish M (-2.26)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 8.1%)12/25
- Moat31/100 · Weak
- ROIC >12% years (4/10 yrs)6/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 24.4%)25/25
Risk Flags
- ⚠Altman Z 0.4 — distress-zone balance sheet
- ⚠Interest coverage 0.7× — thin debt cushion
About JPMorgan Chase & Co.
JPMorgan is a leading global financial services firm with operations in 66 countries and over 318,000 employees as of year-end 2025. Show more
Under the JPMorgan brands, the bank holding company boasts a $4.9 trillion balance sheet and $2.68 trillion in deposits, as of March 2026. The firm generates its revenue across three core operating segments: consumer and community banking, the commercial and investment bank, and asset and wealth management. It maintains the top global ranking in investment banking fees with an 8.4% market share, serves millions of consumers through its network of over 5,000 US branches, and manages over $7.1 trillion in client assets within its wealth and asset management franchise.
Headquarters: NEW YORK, NY · Employees: 320,560 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
45D+P/E (TTM)13.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.8x–16.0x · 75th pct
P/FCF5.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield16.8%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)4.52xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.5x–5.2x · 78th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.49xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.45B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.95%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio26.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
82AROIC13.4%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE18.0%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.4%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin32.6%A
Grade A: HighNet Income / Revenue
Operating Margin36.4%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
43D+Revenue CAGR10.7%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR4.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)6.5%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth2.1%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-13.1%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
6EAltman Z-Score0.36D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.7xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.18xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
37DPiotroski F-Score2/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score-2.26A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability8.1%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Rometty Virginia M Filed | Rometty Virginia M | Grant / award | +121 | |
NOVAKOVIC PHEBE N Filed | NOVAKOVIC PHEBE N | Grant / award | +121 | |
BURKE STEPHEN B Filed | BURKE STEPHEN B | Grant / award | +170 | |
HOBSON MELLODY L Filed | HOBSON MELLODY L | Grant / award | +136 | |
Leopold Robin Filed | Leopold Robin | SellOpen market sale | -2500 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Leopold Robin Filed | Leopold Robin | SellOpen market sale | -2500 | |
Friedman Stacey Filed | Friedman Stacey | Gift | -166 | |
Petno Douglas B Filed | Petno Douglas B | Gift | -864 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
31DROIC >12% Years4/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor24.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$24.48
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$168.86
Cash & short-term investments per share (Finnhub)
Book Value / Share$140.22
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$64.78B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$362.44B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$900.90B
Current Market Capitalization
Beta1.04B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: JPMorgan Chase & Co. (JPM)
JPM is up 1.25% at the last close — JPMorgan shares rose 2.58% alongside a broader market rally led by cyclical sectors as Q3 earnings week concluded.. JPMorgan Chase & Co. meets only 2 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 0.36 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.26 suggests a low likelihood of earnings manipulation.
- Interest coverage of 0.7× leaves little room for earnings shocks.
See how JPM ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 13, 2026 | After-Hrs | $5.96 | $5.57 | -6.5% | $51.7B | $50.9B |
Recent Market Moves
See all JPM moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 22 | Regular | 340.43 | -3.30% | -3.98 |
| Sep 22 | After-hours | 340.89 | -3.17% | -3.82 |
Frequently Asked Questions about JPM
What is the current JPMorgan Chase & Co. (JPM) stock price?
JPM is trading at $339.72 at the last market close, up 1.25% on the session. PreMarketPrice tracks JPM pre-market, intraday and after-hours prices.
Is JPM stock a buy right now?
PreMarketPrice's quantitative model rates JPMorgan Chase & Co.'s financial health at 6/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is JPM stock overvalued?
JPMorgan Chase & Co. trades at a trailing P/E of 13.9 and our valuation score rates it 45/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does JPMorgan Chase & Co. report earnings?
No confirmed earnings date is currently scheduled for JPM. The Earnings section lists recent reports and updates as dates are announced.
What sector does JPMorgan Chase & Co. operate in?
JPMorgan Chase & Co. operates in the Financial Services sector, within the Banks industry. The Related Stocks section lists sector peers for comparison.
What does JPMorgan Chase & Co. do?
JPMorgan is a leading global financial services firm with operations in 66 countries and over 318,000 employees as of year-end 2025.
About JPMorgan Chase & Co. (JPM) Stock
JPMorgan Chase & Co. (JPM) is a US-listed stock operating in the Financial Services sector, specifically the Banks industry. As of the latest update, JPMorgan Chase & Co. is trading at $339.72, up 1.25% on the day with a market capitalization of $900.9 billion. The financial health score for JPM is 6/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for JPM stock.
JPM Stock Analysis & Key Metrics
On PreMarketPrice, you can track JPMorgan Chase & Co. (JPM) across multiple dimensions:
- Pre-market price & movement: Real-time JPM stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for JPM, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for JPM with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for JPMorgan Chase & Co. across multiple reporting periods.
- Financial health score: A composite score of 6/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for JPM.
- Sector peers: Compare JPM against 6 other financial services stocks on key financial metrics.
Is JPM a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate JPMorgan Chase & Co. (JPM) as an investment. The financial health score of 6/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.JPMorgan Chase & Co. (JPM) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.