JP Morgan Chase & Co.
JPM NYSEJP Morgan Chase & Co. looks about 20% undervalued against its cash-flow value. Its growth outlook scores strong; the balance sheet looks stretched.
At a glance
tap a tile to dig inOtto's verdict
the tiles above, in a line each- Value Looks ~20% undervalued against Otto's cash-flow estimate.
- Health 10 of 14 health checks pass.
- Growth Revenue trend ≈ +7%/yr (extended trend, not a forecast).
- Street Analysts lean buy · avg target +2% from here.
- Dividend Pays a dividend — yields 1.64%.
- Insiders Insiders, last 12 months: 0 buys · 2 sells.
Not investment advice — Otto just crunches numbers.
Price trend
-0.5% over the last month · S&P 500 +3.5%
What think
The market's move: -0.5% over the past year
Trading 102% up its 52-week range. Price is the market's live vote — not advice.
Analyst consensus: Buy · 21 analysts
Average 12-month target ₹35,781.87 — +2.4% vs today.
Yahoo Finance's analyst aggregate. Sentiment, not advice.
Insiders: 0 buys · 2 sales in recent filings
Open-market trades from SEC Form 4. Sales are often pre-planned (10b5-1); buys tend to say more. Sentiment, not advice.
InvestRight readers: 0 watching
This site's own activity — not a broad measure. Sentiment, not advice.
The snowflake
checks passed on each axis- Value 0/— checks
- Future 4/4 checks
- Past 2/4 checks
- Health 0/1 checks
- Dividend 4/5 checks
What does this show?
Five quick health scores — Value, Future, Past, Health and Dividend — each 0–100%. A bigger, more even shape means a stock that scores well across the board; a spiky one is strong on some axes and weak on others.
Learn more on Investopedia →Fair value
our estimate · not analyst forecast20% below our estimate — you'd be paying less than our numbers say it's worth.
How we got there
A 2-stage discounted-cash-flow on owner earnings (net income): grow it at the capped historical trend for five years, fade to a 2.5% long-run rate, discount everything at 9.0%. It's a transparent estimate from past numbers, not a licensed forecast — treat it as one lens, not truth.
What does this show?
Our estimate of what one share is worth based on the cash the business is expected to generate (a discounted-cash-flow model), next to today's price. Below fair value hints undervalued, above hints expensive — it's an estimate, not a guarantee.
Learn more on Investopedia →Health checks
14 checks run on free data- ⚠ Debt well covered by cash flow operating cash flow covers -228.0% of debt
- ⚠ Growth accelerating vs its average latest -2.4%/yr vs 9.7% average
- ⚠ Return on equity above 20% ROE 17.8%
- ⚠ Yield in the top quartile of payers yield 1.77% vs 2.80% cut among the 59 payers Otto tracks
- ✓ Dividend growing over time over 10yr on record
- ✓ No dividend cut in recent years steady over 10yr on record
Show all 14 checks by axis
Value 0/— passed
- – Trading below our fair-value estimate
- – P/B below industry industry P/B not on the free feed
- – P/E below industry industry P/E not on the free feed
- – P/E below peer average peer P/Es land after the next refresh
- – P/S sane vs its own history needs multi-year P/S (Tier B)
- – More than 20% below fair value
Future 4/4 passed
- ✓ Earnings trending up 9.7%/yr over 9yr
- – Growth beats the industry industry growth not on the free feed
- ✓ Earnings growth beats the market 9.7%/yr vs market ~9.0%
- ✓ Revenue trending up 7.3%/yr over 9yr
- ✓ Return on equity improving ROE 15.7% vs 9.7% 9yr ago
Past 2/4 passed
- ✓ Earnings grew over the period 24.7B → 57.0B
- – High-quality earnings (few one-offs) one-off detection deferred — needs statement detail
- ⚠ Growth accelerating vs its average latest -2.4%/yr vs 9.7% average
- ✓ Revenue higher than five years ago 96.6B → 182.4B
- ⚠ Return on equity above 20% ROE 17.8%
Health 0/1 passed
- – Debt/equity falling over time n/a
- – Debt is under 40% of equity
- ⚠ Debt well covered by cash flow operating cash flow covers -228.0% of debt
- – Interest comfortably covered by profit
- – Short-term assets cover long-term debt n/a
- – Short-term assets cover short-term bills n/a
Dividend 4/5 passed
- – Dividend covered by earnings and cash flow n/a
- ✓ Dividend growing over time over 10yr on record
- ✓ No dividend cut in recent years steady over 10yr on record
- ✓ Payout ratio under 75% payout 25.7% of earnings
- ✓ Yield beats the market yield 1.77% vs market ~1.5%
- ⚠ Yield in the top quartile of payers yield 1.77% vs 2.80% cut among the 59 payers Otto tracks
What does this show?
Pass/fail rules on the company's finances — debt levels, profitability, cash cover and so on. More greens means a sturdier balance sheet; an n/a just means we didn't have that data point.
Learn more on Investopedia →Past performance
10-yr history from SEC EDGAR filingsRevenue
Earnings
dashed line = what it'd look like growing at our ~9% market-average benchmark, for comparison
What does this show?
How revenue, earnings and free cash flow have grown over the years. Bars rising left-to-right show a growing business; the dashed line is a market-average pace for comparison.
Learn more on Investopedia →Future
trend, not analyst forecastRevenue · extended at 7.3%/yr
Earnings · extended at 9.7%/yr
Dashed bars just extend the historical trend (capped at ±15%/yr) — the same growth our DCF uses. It's arithmetic on the past, not an analyst forecast; real futures bend.
What does this show?
Solid bars are history; dashed bars simply extend the past growth trend a few years forward — capped so it stays sane. It's a trend line, not an analyst forecast.
Learn more on Investopedia →Dividend
from cash actually paid, not promisesTotal dividends paid · split-proof, unlike per-share history
What does this show?
The share of profit paid back to shareholders as cash. Yield is that cash as a % of the price; the payout gauge shows how much of earnings is paid out (over ~75% can be hard to sustain).
Learn more on Investopedia →Ownership & insiders
from SEC Form 4 filings0 open-market buys · 2 sales in the last 7 saved filings
- Award Rometty Virginia M · Director 122 sh · ₹3.83M 2026-06-30
- Award Novakovic Phebe N · Director 122 sh · ₹3.83M 2026-06-30
- Award Hobson Mellody L · Director 137 sh · ₹4.31M 2026-06-30
- Award Burke Stephen B · Director 172 sh · ₹5.38M 2026-06-30
- Sell Friedman Stacey · General Counsel 5,467 sh · ₹173.06M 2026-06-22
- Other Jpmorgan Chase & Co · 10% owner 14,356 sh 2026-06-02
- Sell Friedman Stacey · General Counsel 5,468 sh · ₹157.14M 2026-05-20
Insiders must report within two business days. Sales are often pre-planned (10b5-1) rather than a signal — buys tend to say more.
What does this show?
Buys and sells by the company's own directors and officers, from their SEC filings. Insiders sell for many reasons, but clusters of open-market buying can signal confidence.
Learn more on Investopedia →Spot a missing competitor? Sign in to add it — it'll show for everyone.
What does this show?
A few peers in the same business, each with its own mini snowflake, so you can see how this company stacks up rather than judging it in isolation. Anyone signed in can add a missing competitor — it shows for everyone, marked as user-added.
Learn more on Investopedia →Leadership
Yahoo Finance · photos & bios via Wikidata-
Mr. Douglas B. Petno
CEO of the Commercial & Investment Bank and Co-President
- Age
- 59
- Total yearly comp
- ₹1.11B
-
Mr. Troy Larry Rohrbaugh
CEO of Consumer & Community Banking and Co-President
- Age
- 55
- Total yearly comp
- ₹1.11B
-
Ms. Elena A. Korablina
MD, Firmwide Controller & Principal Accounting Officer
- Age
- 51
-
Ms. Mary Callahan Erdoes
Chief Executive Officer of Asset & Wealth Management and Executive VP
- Age
- 58
- Total yearly comp
- ₹1.24B
-
Mr. Todd Anthony Combs M.B.A.
Head Strategic Investment Group of Security & Resiliency Initiative
- Age
- 54
- Total yearly comp
- ₹14.14M
Ranked by title — reporting lines aren't public data. Compensation is the total Yahoo reports; blank means it isn't disclosed there.
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My notes
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Hi! I can explain JP's numbers — valuation, health, the dividend, the fair-value gap. What would you like to know?
Otto explains what's on this page — not investment advice.