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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
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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
ROE of 16.1% sits +8% above the sector median 15.0%, the clearest sign that JPMorgan Chase & Co. still converts equity into profit at a rate most peers cannot match — yet the current-period numbers tell a more complicated story. Revenue grew 2.8% year over year, -65% below the sector median 7.9%, and EPS growth of 1.4% trails the median 18.8% by -93%; both metrics sit in the bottom quartile of the Financials sector. The F-Score of 3/9 reflects that mixed picture, with efficiency sub-scores particularly weak. Against that backdrop, the forward read is more constructive: the bank beat consensus in its last report by 9.8%, and the realized three-year EPS CAGR per SEC filings is strong — here consensus may actually be under-pricing the earnings track record rather than running ahead of it. The P/E of 15.1× trades near the sector median 17.3×, so valuation neither amplifies the risk nor offers a clear discount.
| 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.
On 2026-10-13, track whether EPS growth and revenue growth begin closing the gap on the sector median — currently 93% and 65% below, respectively. A sustained ROE above the sector median of 15.0% would be a stabilizing signal worth noting.
In the annual report, focus on net interest margin disclosures and credit loss provisions, which directly affect the weak profitability F-Score of 1/4. Management's discussion should clarify whether the EPS contraction of 18.8% below median is cyclical or structural.
Pick two or three companies from the section 06 table and line up one metric — ROE, revenue growth, or EPS growth YoY. The table is alphabetical with no ranking, so the comparison is yours to draw without any implied ordering.
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 | 5/9 | 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.