JPMorgan Chase & Co.JPM
NYQ • Financial Services
$351.55
P/E
15.04
PEG
0.36
FCF Yield
-15.8%
Rev Growth YoY
+17.8% YoY
Gross Margin
95.6%
Health Score
6/10
D/E Ratio
1.42
Confidence
LOW
Business Snapshot
JPMorgan Chase is the largest U.S. bank by assets, operating a diversified model spanning consumer and community banking, corporate and investment banking, commercial banking, and asset and wealth management. The firm holds a dominant competitive position in the U.S. financial services market, with an enormous scale of $194.91B in trailing twelve-month revenue and a market capitalisation of $934.49B, placing it firmly in large-cap territory. Its business model benefits from significant regulatory moats, high barriers to entry, and a substantial deposit base that funds its lending and investment activities at a low cost of capital.
Financial Health
Gross margin stands at an exceptionally high 95.6%, reflecting the low marginal cost of delivering banking services, while the net margin is a robust 34.9% on a trailing twelve-month basis. The balance sheet carries a debt-to-equity ratio of 1.42x, which is characteristic of a highly regulated bank and manageable given the firm's earnings power, although it is slightly elevated relative to what a non-financial company would carry...
Risk Assessment
- CASH FLOW / FCF — Free cash flow of -$147.78B with a FCF yield of -15.8% represents a significant cash burn that warrants prominent flagging in the risk section.
- DEBT / LIQUIDITY — Debt/equity of 1.42x is elevated relative to non-financial companies, though it is characteristic of a regulated bank's capital structure.
- INSIDER ACTIVITY — 1 insider sell and 0 insider buys over the last 90 days signals that insiders are net sellers at current levels.
- EARNINGS QUALITY — All 4 of the last 4 quarters beat estimates, which is positive for credibility, but the consistency also raises questions about whether guidance is being set intentionally conservative.
- VALUATION DIVERGENCE — Both FMP DCF and Python DCF estimates are unavailable, meaning there is no intrinsic value anchor to validate the current share price against....
Gross margin stands at an exceptionally high 95.6%, reflecting the low marginal cost of delivering banking services, while the net margin is a robust 34.9% on a trailing twelve-month basis. The balance sheet carries a debt-to-equity ratio of 1.42x, which is characteristic of a highly regulated bank and manageable given the firm's earnings power, although it is slightly elevated relative to what a non-financial company would carry. Free cash flow is deeply negative at -$147.78B, with a corresponding FCF yield of -15.8% — note this figure may be distorted due to a one-time item or data anomaly, and large negative FCF is inherent to a growing bank balance sheet rather than necessarily a sign of distress. The combination of strong net margins and high return on equity supports the firm's ability to sustain dividends and reinvest in the franchise, but the negative cash flow warrants monitoring as part of the broader risk profile.
- CASH FLOW / FCF — Free cash flow of -$147.78B with a FCF yield of -15.8% represents a significant cash burn that warrants prominent flagging in the risk section. - DEBT / LIQUIDITY — Debt/equity of 1.42x is elevated relative to non-financial companies, though it is characteristic of a regulated bank's capital structure. - INSIDER ACTIVITY — 1 insider sell and 0 insider buys over the last 90 days signals that insiders are net sellers at current levels. - EARNINGS QUALITY — All 4 of the last 4 quarters beat estimates, which is positive for credibility, but the consistency also raises questions about whether guidance is being set intentionally conservative. - VALUATION DIVERGENCE — Both FMP DCF and Python DCF estimates are unavailable, meaning there is no intrinsic value anchor to validate the current share price against.
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