JPM · NYSE · STOCK
JPMorgan Chase & Co. (JPM) Stock Analysis
$333.76
52W $279.10 – $366.50
55/100
$888.07B
13.9
1.01
Is JPM Bullish or Bearish?
Mixed.
Innellis AI committee rates JPMorgan Chase & Co. (JPM) Watch with a composite score of 55/100
, based on 6 analysts with 50% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.37 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.63 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Risk Analyst remains cautious — high leverage (debt-to-equity 2.55) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 13.8 is inexpensive for the broad market — Value
- ROE of 17.8% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.7% pays you to wait — Value
- Revenue growing 109.0% YoY -- genuine top-line momentum — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Debt-to-equity of 2.55 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- High leverage (debt-to-equity 2.55) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 14, 2026
Overall Committee Score
55/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 82%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.8 is inexpensive for the broad market
− Debt-to-equity of 2.55 adds balance-sheet risk to the value case
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 109.0% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.55) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
53
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
35
/ 100 · Low confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− 2 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 56.9 to 54.6.
- Bullish support removed: 3 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Growth Analyst: score 67->60 (-7).
- Macro Analyst: score 80->65 (-15).
- Portfolio Manager: score 30->35 (+5).
- Technical Analyst: score 48->58 (+10); +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
50.7
Neutral
MACD Histogram
0.434
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$293.83
Resistance
$337.23
Bollinger %B
0.44
Inside Bands
Price vs Moving Averages
EMA 9
$333.62
Above
EMA 21
$337.55
Below
EMA 50
$341.91
Below
EMA 200
$325.80
Above
Fundamental Analysis
Valuation
95
Growth
58
Profitability
73
Financial Health
77
Cash Flow
15
Valuation
P/E Ratio
13.9×
P/B Ratio
2.38×
PEG Ratio
0.77
Dividend Yield
1.86%
52W High
$366.50
52W Low
$279.10
Quality & Growth
ROE
1574.0%
ROA
128.9%
Gross Margin
6317.3%
Operating Margin
2824.9%
Revenue Growth YoY
—
Debt / Equity
1.43
AI Fundamental Assessment
P/E ratio of 13.9 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 15.7%; Return on assets of 1.3%; Net margin of 21.9%; Gross margin of 63.2%; Current ratio of 10.28 (healthy short-term liquidity); Debt-to-equity of 1.43; Free cash flow per share is negative (-60.68); Most recent quarter missed estimates by 2.8%; EPS growth decelerating (+3.4% -> -6.4% QoQ); Average YoY EPS growth of 18.6%; Analyst estimates rising over recent quarters
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