JPMORGAN CHASE DL 1
stock DE:CMC (FRANKFURT)

Alternative ID: US46625H1005

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Exchange: FRANKFURT
Sector: Financial
Industry: Banks—Diversified
Market Cap: Mega (373.72B)
Data in EUR

EPS: 10.46
Current PE: 4.21
BVPS: 76.31
Price/BVPS: 0.59
Dividend: 3.60 / 2.9%

Hist Grade: C (64.66)
YOY Grade: E (25.12)
Debt/FCF: 3.84
ROIC: 3.7%
PEG: 0.14
PEGY: 0.13

Value Price: 39.61
MOS Price: 19.80
MOS %: -11.6%
Graham Number: 133.99
Graham MOS %: 199.0%
IRT: 3.81

Market Price

44.82

0.77 1.8%

as of Mar 20 '23

52 Week Range:

41.83 132.82

Stock Analyzer Tutorials

General Info

type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

Financial Statements

type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

Growth Grade and Financial Ratios

type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

Price Charts

type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Exchange: FRANKFURT
Sector: Financial
Industry: Banks—Diversified
Market Cap: Mega (373.72B)
Inst. Ownership: 70.39%
Insider Ownership: 0.92%
Full Time Employees: 288474

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement

Cash Flow Statement

Balance Sheet

Liquidity Ratios

Current Ratio

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Equity (BVPS)	35.71	37.83	37.86	46.78	54.88	60.63	56.81	61.75	68.43	64.52	76.31
growth rate		5.9%	0.1%	23.6%	17.3%	10.5%	-6.3%	8.7%	10.8%	-5.7%	18.3%
Earnings BIT	21,089.70	22,800.53	20,427.44	38,596.00	38,165.00	44,354.00	50,175.00
growth rate		8.1%	-10.4%	88.9%	-1.1%	16.2%	13.1%
Avg.PE	8.65	8.40	13.26	10.44	8.50	13.90	14.38	13.33	13.33	13.33	13.33
growth rate		-2.9%	57.9%	-21.3%	-18.6%	63.5%	3.5%	-7.3%	0.0%	0.0%	0.0%
ROA	0.80	0.86	0.70	0.81	0.91	0.93	0.90	1.19	1.30	0.90	1.30
growth rate		7.5%	-18.6%	15.7%	12.4%	2.2%	-3.2%	32.2%	9.2%	-30.8%	44.4%
ROE	10.21	10.72	8.40	9.75	10.34	10.05	9.86	13.35	14.91	11.34	18.29
growth rate		5.0%	-21.6%	16.1%	6.1%	-2.8%	-1.9%	35.4%	11.7%	-23.9%	61.3%
ROIC	5.48	5.56	4.31	4.54
growth rate		1.5%	-22.5%	5.3%
Leverage	12.89	12.10	12.08	12.14	10.62	10.92	11.03	11.38	11.46	13.58	14.44
growth rate		-6.1%	-0.2%	0.5%	-12.5%	2.8%	1.0%	3.2%	0.7%	18.5%	6.3%
Balance Sheet	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Acct.Receivable				70,079.00	46,605.00	52,330.00	67,729.00
growth rate					-33.5%	12.3%	29.4%
Acct.Payable				1,431,799.00	1,345,321.00	1,442,960.00	1,516,530.00	1,543,482.00	1,635,858.00	2,213,223.00	2,529,897.00
growth rate					-6.0%	7.3%	5.1%	1.8%	6.0%	35.3%	14.3%
Cur.Assets				1,316,406.00	1,064,499.00	1,143,554.00	1,161,287.00	1,181,001.00	1,068,584.00	1,538,408.00	1,693,889.00
growth rate					-19.1%	7.4%	1.6%	1.7%	-9.5%	44.0%	10.1%
Total Assets	1,786,350.41	1,859,946.76	1,904,529.21	2,572,274.00	2,351,698.00	2,490,972.00	2,533,600.00	2,622,532.00	2,687,379.00	3,384,757.00	3,743,567.00
growth rate		4.1%	2.4%	35.1%	-8.6%	5.9%	1.7%	3.5%	2.5%	26.0%	10.6%
Cash	114,224.18	138,393.37	280,530.06	18,013.00	6,775.00	4,637.00	385,823.00	238,077.00	217,142.00	503,209.00	721,201.00
growth rate		21.2%	102.7%	-93.6%	-62.4%	-31.6%	8,220.5%	-38.3%	-8.8%	131.7%	43.3%
Inventory				473.00	325.00	349.00	265.00	226.00	253.00	152.00	134.00
growth rate					-31.3%	7.4%	-24.1%	-14.7%	12.0%	-39.9%	-11.8%
Cur.Liabilities				2,011,848.00	1,773,595.00	1,902,490.00	1,967,746.00	2,063,745.00	2,108,205.00	2,795,212.00	3,151,444.00
growth rate					-11.8%	7.3%	3.4%	4.9%	2.2%	32.6%	12.7%
Liabilities	1,641,621.46	1,699,058.76	1,738,036.47	2,340,547.00	2,104,125.00	2,236,782.00	2,277,907.00	2,366,017.00	2,426,049.00	3,105,403.00	3,449,440.00
growth rate		3.5%	2.3%	34.7%	-10.1%	6.3%	1.8%	3.9%	2.5%	28.0%	11.1%
LT Debt	1,585.47	1,586.26	1,587.05	328,699.00	330,530.00	334,292.00	310,161.00	302,272.00	309,339.00	299,263.00	288,979.00
growth rate		0.1%	0.1%	20,611.3%	0.6%	1.1%	-7.2%	-2.5%	2.3%	-3.3%	-3.4%
Equity	144,728.95	160,888.00	166,492.74	211,664.00	221,505.00	228,122.00	229,625.00	230,447.00	234,337.00	249,291.00	259,289.00
growth rate		11.2%	3.5%	27.1%	4.7%	3.0%	0.7%	0.4%	1.7%	6.4%	4.0%
Common Shares	3,920.00	3,822.00	3,815.00	3,798.00	3,773.00	3,690.00	3,577.00	4,105.00	4,105.00	4,105.00	4,105.00
growth rate		-2.5%	-0.2%	-0.5%	-0.7%	-2.2%	-3.1%	14.8%	0.0%	0.0%	0.0%
Cash Flow Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Capital Expenditures	0.00	0.00
growth rate
Cash Dividends	3,070.82	4,094.95	4,774.55	6,990.00	7,873.00	8,476.00	8,993.00	10,109.00	12,343.00	12,690.00	12,858.00
growth rate		33.4%	16.6%	46.4%	12.6%	7.7%	6.1%	12.4%	22.1%	2.8%	1.3%
Cash From OA	75,632.79	19,772.28	85,110.15	36,593.00	73,466.00	21,884.00	-10,827.00	15,614.00	4,092.00	-79,910.00	78,084.00
growth rate		-73.9%	330.5%	-57.0%	100.8%	-70.2%	-100.0%	100.0%	-73.8%	-100.0%	100.0%
FCF per Share	13.21	11.66	21.04	0.20	21.01	-0.66	5.37	8.77	-20.89	8.66	-10.11
growth rate		-11.7%	80.5%	-99.1%	10,405.0%	-100.0%	100.0%	63.3%	-100.0%	100.0%	-100.0%
Sale Purchase of Stock				4,087.00	277.00	-9,082.00	-15,410.00
growth rate					-93.2%	-100.0%	0.0%
FCF	95,932.00	25,079.00	107,953.00	36,593.00	73,466.00	20,196.00	-2,501.00	14,187.00	6,046.00	-79,910.00	78,084.00
growth rate		-73.9%	330.5%	-66.1%	100.8%	-72.5%	-100.0%	100.0%	-57.4%	-100.0%	100.0%
Income Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Sales	76,659.29	76,499.24	76,164.17	91,973.00	89,202.00	91,208.00	94,745.00	103,744.00	110,134.00	102,471.00	130,898.00
growth rate		-0.2%	-0.4%	20.8%	-3.0%	2.3%	3.9%	9.5%	6.2%	-7.0%	27.7%
Op.Income	21,088.91	22,798.16	20,430.60	33,582.00	33,158.00	34,219.00	35,220.00	40,836.00	45,105.00	36,930.00	59,988.00
growth rate		8.1%	-10.4%	64.4%	-1.3%	3.2%	2.9%	16.0%	10.5%	-18.1%	62.4%
IBT	26,749.00	28,917.00		30,699.00	30,702.00	34,536.00	35,900.00	40,764.00	44,866.00	35,815.00	59,562.00
growth rate		8.1%		3.0%	0.0%	12.5%	4.0%	13.6%	10.1%	-20.2%	66.3%
Net Income	14,960.68	16,780.31	14,130.49	21,745.00	24,442.00	24,733.00	24,441.00	32,474.00	36,431.00	29,131.00	48,334.00
growth rate		12.2%	-15.8%	53.9%	12.4%	1.2%	-1.2%	32.9%	12.2%	-20.0%	65.9%
EPS	4.48	5.20	4.34	5.29	6.00	6.19	6.31	9.00	10.72	8.88	15.36
growth rate		16.1%	-16.5%	21.9%	13.4%	3.2%	1.9%	42.6%	19.1%	-17.2%	73.0%
Gross Profit				91,973.00	89,202.00	91,208.00	94,745.00	103,744.00	110,134.00	102,471.00	130,898.00
growth rate					-3.0%	2.3%	3.9%	9.5%	6.2%	-7.0%	27.7%

Quarterly Statements

Item Name	Sep '21	Dec '21	Mar '22	Jun '22	Sep '22
Earnings BIT
growth rate
Balance Sheet	Sep '21	Dec '21	Mar '22	Jun '22	Sep '22
Acct.Receivable
growth rate
Acct.Payable	2,645,690.00	2,529,897.00	2,881,878.00	2,763,722.00	2,708,631.00
growth rate		-4.4%	13.9%	-4.1%	-2.0%
Cur.Assets	1,828,366.00	1,693,889.00	2,000,729.00	1,751,317.00	1,779,881.00
growth rate		-7.4%	18.1%	-12.5%	1.6%
Total Assets	3,757,576.00	3,743,567.00	3,954,687.00	3,841,314.00	3,773,884.00
growth rate		-0.4%	5.6%	-2.9%	-1.8%
Cash	738,569.00	721,201.00	328,040.00	641,879.00	326,532.00
growth rate		-2.4%	-54.5%	95.7%	-49.1%
Inventory	122.00	134.00	847.00	154.00	569.00
growth rate		9.8%	532.1%	-81.8%	269.5%
Cur.Liabilities	3,145,246.00	3,151,444.00	3,365,405.00	3,245,771.00	3,186,314.00
growth rate		0.2%	6.8%	-3.6%	-1.8%
Liabilities	3,467,535.00	3,449,440.00	3,668,788.00	3,555,171.00	3,485,866.00
growth rate		-0.5%	6.4%	-3.1%	-2.0%
LT Debt	311,722.00	288,979.00	303,383.00	298,852.00	299,552.00
growth rate		-7.3%	5.0%	-1.5%	0.2%
Equity	255,203.00	259,289.00	253,061.00	253,305.00	255,180.00
growth rate		1.6%	-2.4%	0.1%	0.7%
Common Shares	4,105.00	4,105.00	4,105.00	4,105.00	4,105.00
growth rate		0.0%	0.0%	0.0%	0.0%
Cash Flow Statement	Sep '21	Dec '21	Mar '22	Jun '22	Sep '22
Capital Expenditures
growth rate
Cash Dividends	3,158.00	3,386.00	3,430.00	3,344.00
growth rate		7.2%	1.3%	-2.5%
Cash From OA	23,331.00	85,095.00	-41,917.00	66,018.00
growth rate		264.7%	-100.0%	100.0%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement	Sep '21	Dec '21	Mar '22	Jun '22	Sep '22
Sales	31,174.00	30,538.00	29,254.00	29,614.00	31,179.00
growth rate		-2.0%	-4.2%	1.2%	5.3%
Op.Income	14,187.00	12,794.00	10,182.00	10,938.00	12,048.00
growth rate		-9.8%	-20.4%	7.4%	10.2%
IBT	14,111.00	12,657.00	10,063.00	10,865.00	12,001.00
growth rate		-10.3%	-20.5%	8.0%	10.5%
Net Income	11,687.00	10,399.00	8,282.00	8,649.00	9,737.00
growth rate		-11.0%	-20.4%	4.4%	12.6%
EPS
growth rate
Gross Profit	31,174.00	30,538.00	29,254.00	29,614.00	31,179.00
growth rate		-2.0%	-4.2%	1.2%	5.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (64.66)

YOY Growth Grade:

E (25.12)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 2.9%
Beta: 1.07
Beta of 1.0693 suggests that the asset is volatile as the rest of the market (fairly priced).
PE: 4.21
EY: 23.7%
PEG: 0.14
PEG Ratio of 0.14 suggests that stock is underpriced.
PEGY: 0.13
PEGY Ratio of 0.13 suggests that stock is underpriced.
Price/BVPS: 0.59
Price to BVPS Ratio of 0.59 suggests that stock is undervalued.

Profitability Ratios

ROE: 18.3%
Return on Equity (ROE) of 18.3% suggests that a company is doing well.
ROS: 45.8%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 1.6%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 23.0%
Return on Investment (ROI) of 23.0% suggests that a company is doing well.
ROIC: 3.7%
Return on Invested Capital (ROIC) of 3.7% suggests that a company may not be able to fund future growth from within.

Liquidity Ratios

Current Ratio: 0.54
Current Ratio of 0.54 suggests that a company may not be able to pay off bills as rapidly as it should.
Quick Ratio: 0.20
Quick Ratio of 0.20 suggests that a company does not have enough cash to cover immediate liabilities.
Cash Turnover: -0.09
Turnover Of Cash Ratio of -0.09 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.
Equity Ratio: 6.9%
Equity Ratio of 6.9% suggests that a company has high financing and debt service costs, not very attractive to investors.
Debt/Equity: 1,330.4%
Debt to Equity Ratio of 1,330.4% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.
Debt/FCF: 3.84
Debt/FCF of 3.84 suggests that a company does not have enough cash to pay off its long term debt within three years.

Efficiency Ratios

Avg Collection Period: 242.21
Average Collection Period of 242.21 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.
Inventory Turnover: 0.00
Inventory Turnover Ratio of 0.00 suggests a large inventory, a never-out-of-stock situation, perhaps some obsolete items, or it could indicate poor liquidity and possible overstocking of items.
Cash Flow Ratio: 0.03
Cash Flow Ratio of 0.03 suggests that a company is managing it's inventory efficiently.
Profit Margin: 36.9%

Value Price

PE and EPS

	Historical	Current	Forward
PE	12.09	4.29	10.17
EPS / Growth		10.46

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.2%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	4.2%	4.2%	4.2%
Future PE	8.32	10.19	10.19
Future EPS	15.72	15.72	15.72
Value Price MOS %	32.33 -27.9%	39.61 -11.6%	39.61 -11.6%
MOS Price	16.16	19.80	19.80
IRT	3.87	3.87	3.87

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Graham Number: 133.99
Graham MOS: 199.0%

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