JPM · NYSE · STOCK
JPMorgan Chase & Co. (JPM) Stock Analysis
$355.28
52W $279.10 – $366.50
57/100
$954.95B
15.3
0.98
Is JPM Bullish or Bearish?
Bullish.
Innellis AI committee rates JPMorgan Chase & Co. (JPM) Buy with a composite score of 57/100
, based on 6 analysts with 67% agreement.
Last updated August 25, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +18.05 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -1.95 from today. The band boundary is 60.0, 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 primary driver is revenue growing 109.0% yoy -- genuine top-line momentum. The main limiting factor is high leverage (debt-to-equity 2.55) amplifies downside in a stress scenario. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 14.8 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
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — 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
- 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 August 25, 2026
Overall Committee Score
57/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 64%
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 14.8 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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− 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
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score moved marginally from 57.0 to 57.0.
Comparing 2026-08-24 to 2026-08-25 (1 day apart).
Technical Analysis
RSI (14)
49.0
Neutral
MACD Histogram
-1.782
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.47
Inside Bands
Price vs Moving Averages
EMA 9
$357.01
Below
EMA 21
$355.12
Above
EMA 50
$344.63
Above
EMA 200
$317.92
Above
Fundamental Analysis
Valuation
94
Growth
74
Profitability
73
Financial Health
2
Cash Flow
70
Valuation
P/E Ratio
15.3×
P/B Ratio
2.65×
PEG Ratio
0.80
Dividend Yield
1.68%
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 15.3 (inexpensive relative to a 15-40x range); Price-to-book of 2.7x; 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 62.6%; Current ratio of 0.84 (tight short-term liquidity); Debt-to-equity of 3.30; Free cash flow per share is positive (30.88); 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
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