Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
JPMorgan Chase & Co.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Signals scattered
2 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Weak fundamentals
2 signals unavailable
Profitability
1/4
Debt & liquidity
2/3
Efficiency
0/2
Profitability is the clearest strength here: ROE of 16.1% runs +8% above the sector median of 15.0%, and the most recent quarter saw EPS of $5.94 beat consensus by 7.8% — JPMorgan Chase & Co. has a strong beat-rate track record across the last eight quarters. Growth, however, tells a different story. Revenue grew 2.8% year over year against a sector median of 7.9%, trailing by -65%, and EPS growth of 1.4% sits -93% below the sector median of 18.8%. Valuation sits near the sector median — P/E at 15.8× against 16.7×, and P/B at 2.5× versus 2.6× — so the market is not pricing in a discount for the weak growth figures. The F-Score of 3/9 out of 3 reflects the scattered picture: the efficiency sub-score is flat, and the composite of 49/100 out of 100 lands near the midpoint of the sector.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| AXP | American Express | 4/9 | 34% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
The market prices in earnings growth; analyst sentiment is steady; has mostly beaten consensus.
Price against next year's expected earnings. The forward P/E already carries analyst optimism — read it alongside the “Versus consensus” line.
A forward P/E below the current one means the market expects earnings to grow; above it, to fall. The historical growth is realized figures from SEC filings, not a forecast.
The three-month change in the share of positive analyst ratings. This is sentiment, not an earnings-estimate revision, and not a call to act.
When Q2 2026 results land on July 14, track revenue growth year over year against the current 7.94% figure and EPS growth against the 18.8% sector median. The F-Score profitability block sits at 1/4, so check whether net income and operating cash flow trends improve or deteriorate from prior quarters.
Pull JPM's most recent 10-K on SEC EDGAR and focus on management's discussion of net interest margin, credit loss provisions, and capital allocation. The ROE of 15.0% sits above the sector median, but the efficiency sub-score of 0/2 on the F-Score warrants a close read of asset turnover and margin commentary.
Pick two or three names from the alphabetical financials table in section 06 and line up one metric — ROE, revenue growth, or EPS growth — across your selection. No entry in that table is ranked, so the exercise is to place JPM's figures in context rather than to identify a winner.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: 0.000.00——
Over 4 years: +6%+23%+12%+3%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
Beat consensus in 7 of 8 recent quarters — the company clears estimates regularly (consensus is often set conservatively).
Last quarter's EPS against consensus, plus the estimated date of the next report.
| +6% |
| — |
| BAC | Bank of America | 5/9 | 10% | +7% | — |
| BLK | BlackRock | 3/9 | 11% | +19% | 29% |
| C | Citigroup | 3/9 | 7% | +6% | — |
| CB | Chubb | 6/9 | 15% | +7% | — |
| GS | Goldman Sachs | 5/9 | 14% | +9% | — |
| JPM | JPMorgan Chase & Co. | 3/9 | 16% | +3% | — |
| MA | Mastercard | 7/9 | 210% | +16% | 58% |
| MS | Morgan Stanley | 3/9 | 16% | +14% | — |
| PGR | Progressive | 6/9 | 40% | +16% | — |
| SCHW | Charles Schwab | 6/9 | 18% | +22% | — |
| SPGI | S&P Global | 7/9 | 14% | +8% | 42% |
| USB | U.S. Bancorp | 7/9 | 12% | +4% | — |
| V | Visa | 5/9 | 64% | +11% | 60% |
| WFC | Wells Fargo | 3/9 | 12% | +2% | — |
A sample of 15 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →
The last few quarters are recent context, not a fixed rate. Consensus for near quarters is set low, so companies clear it routinely; over long horizons the forecasts run the other way, too high.
A description of what the market and analysts expect. Not a price forecast and not investment advice. Analyst forecasts run systematically optimistic over long horizons — read them with that discount.