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JPM · NYSE · United States · National Commercial Banks
In shortJPMORGAN CHASE & CO is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 31.3% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 16.1% | 81/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -81.0% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | -2.59× | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 8.8% | 79/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 12.3% | 85/100 |
|---|---|---|
| EPS growth, 3-year average | 18.3% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 121,649 | 128,695 | 158,104 | 177,556 | 182,447 |
| Interest expense | 5,553 | 26,097 | 81,321 | – | – |
| Pre-tax income | 59,562 | 46,166 | 61,612 | 75,081 | 72,595 |
| Income tax | 11,228 | 8,490 | 12,060 | 16,610 | 15,547 |
| Net income | 48,334 | 37,676 | 49,552 | 58,471 | 57,048 |
| Diluted EPS | $15.36 | $12.09 | $16.23 | $19.75 | $20.02 |
| Diluted shares (millions) | 3,027 | 2,970 | 2,943 | 2,879 | 2,782 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 6, 2026