JPM · NYSE · STOCK
JPMorgan Chase & Co. (JPM) Stock Analysis
$332.96
52W $279.10 – $366.50
55/100
$892.25B
14.3
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 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.21 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 — -14.79 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. Growth Analyst sees a compelling case — revenue growing 109.0% yoy -- genuine top-line momentum. 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 13.6 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
- 5 consecutive earnings beats -- consistent execution — Growth
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
- MACD histogram negative -- bearish momentum — Technical
- 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 10, 2026
Overall Committee Score
55/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 81%
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 13.6 is inexpensive for the broad market
− Debt-to-equity of 2.55 adds balance-sheet risk to the value case
Growth Analyst
bullish
67
/ 100 · High 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
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish 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
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 55.2 to 54.8.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
40.2
Neutral
MACD Histogram
-0.429
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$293.83
Resistance
$337.23
Bollinger %B
0.30
Inside Bands
Price vs Moving Averages
EMA 9
$333.39
Below
EMA 21
$338.79
Below
EMA 50
$342.95
Below
EMA 200
$325.56
Above
Fundamental Analysis
Valuation
95
Growth
74
Profitability
73
Financial Health
2
Cash Flow
15
Valuation
P/E Ratio
14.3×
P/B Ratio
2.48×
PEG Ratio
0.75
Dividend Yield
1.85%
52W High
$366.50
52W Low
$279.10
Quality & Growth
ROE
1574.0%
ROA
128.9%
Gross Margin
6260.3%
Operating Margin
2818.8%
Revenue Growth YoY
—
Debt / Equity
3.30
AI Fundamental Assessment
P/E ratio of 14.3 (inexpensive relative to a 15-40x range); Price-to-book of 2.5x; PEG ratio of 0.7 (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 62.6%; Current ratio of 0.84 (tight short-term liquidity); Debt-to-equity of 3.30; Free cash flow per share is negative (-58.28); Most recent quarter beat estimates by 4.0%; 5 consecutive earnings beats; EPS growth decelerating (+13.6% -> +3.4% QoQ); Average YoY EPS growth of 23.8%; Analyst estimates rising over recent quarters
Get the Full JPM Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →