RadarScope: JPM — Analiza Fundamentala

Market Cap

$972.4B

P/E Ratio

15.6

Profit Margin

21.9%

ROE

17.8%

📈 Earnings Report — 2026-07

Ultimul trimestru raportat

EPS Actual

$7.59

▲ 27.8% QoQ▲ 53.0% YoY

EPS Estimat

$5.59

Beat by 35.8%

Revenue Actual

$57.35B

▲ 15.1% QoQ▲ 27.8% YoY

Revenue Estimat

$50.72B

Beat by 13.1%

Istoric Ultimele 4 Trimestre

2026-07

EPS Actual

$7.59

EPS Est.

$5.59

Revenue

$57.35B

Beat/Miss

Beat by 35.8%

2026-04

EPS Actual

$5.94

EPS Est.

$5.47

Revenue

$49.84B

Beat/Miss

Beat by 8.6%

2026-01

EPS Actual

$4.63

EPS Est.

$4.85

Revenue

$45.80B

Beat/Miss

Miss by 4.5%

2025-10

EPS Actual

$5.07

EPS Est.

$4.85

Revenue

$46.43B

Beat/Miss

Beat by 4.5%

Urmatorul Raport

Data

2026-10-13

EPS Estimat

$5.83

Revenue Estimat

$50.63B

💰 Dividende Recente

2026-07

$1.5

Yield: 1.78%

Plata: 2026-07

2026-04

$1.5

Yield: 2.00%

Plata: 2026-04

2026-01

$1.5

Yield: 1.73%

Plata: 2026-01

2025-10

$1.5

Yield: 1.80%

Plata: 2025-10

📊 Scoruri Companie

Crestere 9/10

Revenue & Profit Growth

Evaluare 6/10

P/E · P/B · P/S

Calitate 8/10

Marje · ROE · Datorii

Risc 5/10

Beta · Market Cap

📈 Date Financiare Istorice in miliarde USD

💰 Revenue

📊 Net Profit

💵 Cash Flow

Operating (albastru) · Free (violet)

🏦 Cash & Datorii

Cash (verde) · Long-term Debt (rosu)

💸 Operating Expenses

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📖 Indicatorii lui Lynch — concluzii rapide dupa Peter Lynch

PEG — P/E in contextul cresterii

ATRACTIV

PEG 0.88 · cu dividend 0.81 · crestere EPS ~17.7%/an. Regula Lynch: ~1 corect, sub 0.5 foarte atractiv, peste 2 scump.

P/E vs istoria proprie si sectorul

P/E acum 15.6.
vs media proprie 5 ani (12.0): PESTE media sa
vs sector Financial Services (21.1): SUB sector
Lynch: compara P/E cu propria istorie si media industriei, nu in absolut.

Procentul din vanzari (concentrare produs)

MODERAT CONCENTRAT

Commercial And Investm 43% · Consumer & Community B 42% · Asset and Wealth Manag 13% · Segment Reporting, Rec 4%
Lynch: un produs genial care aduce sub ~10% din venituri nu misca actiunea.

Cash si datorie

CASH NET POZITIV

Cash net pe actiune $200.55 (~55% din pret e deja acoperit de bani lichizi).
Datorie/Capital 3.30 DATORIE FOARTE MARE — decide supravietuirea in vremuri grele (esential la ciclice si turnarounds).
Tip datorie: OK — TERMEN LUNG — majoritar pe termen lung (obligatiuni = timp de manevra). Scurt $508.4B / Lung $434.0B.

Marje de profit

MARJE SOLIDE

Bruta 62.6% · Operationala 28.2% · Neta 21.9%. Marje mari — de regula castigatorul pe termen lung din industrie.

Inventare vs vanzari

FARA STOCURI

Firma fara stocuri semnificative (servicii / software) — indicatorul nu se aplica.

Povestea in 2 minute

De ce o detii: Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.
Ce trebuie sa mearga bine: Disponibil pe Trader / Elite
Obstacole: Disponibil pe Trader / Elite
Lynch: daca nu poti explica coerent in 2 minute de ce o detii, nu o intelegi.

🔬 Analiza Fundamentala Avansata · an fiscal 2025-12-31

🏦 Altman Z-Score

0.32 ZONA DE PERICOL

X1 Capital de lucru / Active	0.0	x1.2
X2 Profit reportat / Active	0.094	x1.4
X3 EBIT / Active	0.0	x3.3
X4 Capitalizare / Datorii	0.237	x0.6
X5 Vanzari / Active	0.041	x1.0

Praguri Altman (1968): >2,99 sigur · 1,81–2,99 gri · <1,81 pericol de faliment

💪 Piotroski F-Score

3/9 SLAB

✓ROA pozitiv1.29%

✗Cash flow operational pozitiv-147.78B

✗ROA in crestere1.29% vs 1.46%

✗Cash flow > Profit net (calitate)-147.78B vs 57.05B

✓Datorie pe termen lung in scadere9.8% vs 10.0% din active

✗Lichiditate curenta in cresteren/a

✓Fara emisiune de actiuni noi2696.3M vs 2797.6M

✗Marja bruta in cresteren/a

✗Rotatia activelor in crestere0.04 vs 0.04

9 teste binare (Piotroski, 2000). 8–9 = putere financiara · 0–2 = slabiciune

Metode publice: Altman, E. (1968), Journal of Finance · Piotroski, J. (2000), Journal of Accounting Research · ROIC/WACC prin CAPM. Fiecare cifra isi arata componentele si pragurile — poti reface calculul manual.

📊 Metrici Fundamentale

P/E TTM15.6

P/B TTM2.70

P/S TTM3.27

EV/EBITDA20.4

Gross Margin62.6%

Operating Margin28.2%

Net Margin21.9%

ROE17.8%

ROA1.3%

Debt/Equity3.30

Current Ratio0.84

FCF Yield8.9%

Dividend Yield1.65%

Beta0.98

💰 Venituri & Profit (ultimele trimestre)

Trimestru	Revenue	Gross Profit	Net Income	EPS
2026-06	$82.5B	$54.8B	$21.2B	$7.59
2026-03	$73.7B	$47.3B	$16.5B	$5.95
2025-12	$69.6B	$41.1B	$13.0B	$4.63
2025-09	$71.9B	$43.0B	$14.4B	$5.09

🏢 Profil Companie

CEOJames Dimon

Angajati320560

IPO1980-03-17

Websitehttp://www.jpmorganchase.com...

52W High$366.50

52W Low$279.10

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and ...

🎯 Score Breakdown

Calitate Companie (Q) 8/10

Risc Speculativ (R) 5/10

Scor AI RadarScope 0/100

VERDICT FINAL

TINE

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