JPMorgan Chase & Co. (JPM)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a bank differently from an industrial. JPMorgan is a diversified financial fortress: consumer banking, commercial and investment banking, and asset and wealth management, with 322,964 employees and global reach. Filed figures show FY2025 revenue of $182.4B, net income of $57.0B, and diluted EPS of $20.02, versus FY2024 revenue of $177.6B, net income of $58.5B, and EPS of $19.75; FY2023 was $158.1B revenue, $49.6B net income, and $16.23 EPS. That is respectable long-term growth, though FY2025 profit slipped from FY2024. In the quarter ended 2026-06-30, filed net income was $21.2B and diluted EPS was $7.70, so recent earnings power looks strong. FairStock calculates ROE at 18.01%, and its Lynch category is STALWART — profit growth of 14.4% a year over five years and revenue growth of 8.7% — which fits a steady, high-quality compounder rather than a fast grower. At the 2026-10-26 close of $334.04, FairStock shows P/E 14.01, P/B 2.52, dividend yield 1.98%, beta 1.01, FairStock score 66/100, and Piotroski F-Score 4/9. The P/E is not demanding if 18% ROE persists, but 2.52 times book is a full price for a bank and leaves less margin of safety if credit costs normalize. I cannot assess CET1, NIM, credit-loss reserves, or combined ratio because those are not in the data. My conclusion: a strong franchise, fair-to-full valuation, and the key risk is credit and regulatory capital, not the business model.

In plain English: JPMorgan is one of the largest banks, taking deposits, lending money, managing investments, and serving companies around the world. The business looks strong: it earns a high return on shareholders' money and has grown revenue and profit over the past few years, though profit slipped slightly in the latest full year. At the latest close, the price looks fair to a bit expensive compared with the company's profits and the value of its assets; it is not a bargain-bin bank stock.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer