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. Under the JPMorgan brands,....

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JPMorgan Chase & Co.

JPM NATIONAL COMMERCIAL BANKS · Market Cap: $833B

$312.76 ▲ +0.60%

+$1.87 today · as of 06 Jun 2026

50 S.I.F.T

S.I.F.T.™ Analysis

Red

Caution – significant pillar weakness detected.

Last updated: 06 Jun 2026 · Confidence: 55%

Pillar Breakdown

🛡 Safety 35

Balance sheet or moat concerns are weighing on the score.

💰 Income 60

High cyclicality and lack of recurring revenue are limiting stability.

📊 Fundamentals 35

Strong growth but valuation is elevated.

⏱ Time 65

Shorter track record or weaker tailwinds.

🧠 Munger Reality Filter AVOID

JPM maintains a strong competitive position through its global scale, top-ranked investment banking franchise, and extensive US branch network, but this is undermined by weak current fundamentals.

Strengths: Dominant market position with 8.4% global IB fee share and $7.1T AUM, Diversified operations across consumer, commercial, and asset management segments, Long time-in-market score of 65 reflecting established franchise

Risks: Extremely poor ROE of 1.2 and debt-to-CFO ratio of 999 indicate severe profitability and leverage issues, Low safety pillar score of 35 and red colour signal elevated downside risk, Zero warchest percentage leaves limited buffer for downturns

📈 Price History

Business Overview

JPMorgan is a leading global financial services firm with operations in 66 countries and over 318,000 employees as of year-end 2025. 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.

Key Metrics

ROE (10yr)

1.2%

Debt / CFO

N/A

Div. Yield

0.00%

FCF Growth

0.0%

FAQ

The sift score of 49.7, red colour, and critically weak fundamentals (ROE 1.2, debt metrics) outweigh brand strength in the current assessment.

ROE at 1.2 and debt-to-CFO at 999 reflect poor capital efficiency and excessive leverage relative to cash flow generation.

Financial Details

Recent Quarters

Quarter	Revenue	Gross Profit	EPS
No quarterly data available.

Segment Breakdown

Data Center 56%

Client 28%

Gaming 9%

Embedded 7%

Analyst Reviews & Risks

Wall Street Consensus

4.6

out of 5 (Strong Buy)

Average Target: $485.00

Key Investment Risks

Extremely poor ROE of 1.2 and debt-to-CFO ratio of 999 indicate severe profitability and leverage issues
Low safety pillar score of 35 and red colour signal elevated downside risk
Zero warchest percentage leaves limited buffer for downturns

Ownership & Sentiment

Institutional Ownership: N/A%

Short Interest: N/A%

AI Investment Thesis

Diversified revenue model across consumer, corporate, and investment banking provides resilience across economic cycles.
Strong balance sheet with excess capital enabling consistent share buybacks and dividend growth.
Leadership in digital transformation and technology spending positions it to capture market share from traditional peers.
Net interest income tailwinds from higher-for-longer rate environment boosting profitability.
Scale advantages in payments, asset management, and wealth management drive fee income growth.

Key Catalysts & Risks

Catalysts

Potential Fed rate cuts delayed, sustaining elevated net interest margins.
Increased M&A and capital markets activity lifting investment banking fees.
Loan growth acceleration from economic expansion or commercial real estate recovery.

Risks

Credit deterioration in consumer or commercial portfolios during recession.
Regulatory fines or higher capital requirements eroding returns.
Margin compression if rates fall faster than expected.

Peer Comparison

Company	P/E	Rev Growth	Gross Margin	ROE	Debt/Equity
NVDA	N/A	N/A%	N/A%	61.51%	0.51
INTC	N/A	N/A%	N/A%	-1.64%	8.05
AVGO	N/A	N/A%	N/A%	14.7%	3.03
AMD	N/A	N/A%	N/A%	8.08%	999

Investors
0
Ticker
JPM
Sector
NATIONAL COMMERCIAL BANKS
Current Price
$312.76
S.I.F.T. Score
50