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Upturn AI Summary - About
JPMorgan Chase & Co(JPM)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for JPM
10/28/2026: JPM (3-star) is currently NOT-A-BUY. Pass it for now.
JPMorgan Chase & Co. is a leading global financial institution known for its diversified business model, including consumer banking, investment banking, and asset management. The stock is a core holding for many investors due to its fortress balance sheet and consistent ability to generate earnings across economic cycles. Its primary growth opportunity lies in leveraging digital transformation and wealth management to capture more client assets. However, investors must monitor risks related to economic sensitivity, evolving financial regulations, and competition from fintech firms. The stock may be best suited for value and dividend-focused investors seeking stability in the financial sector, with long-term monitoring required regarding capital requirements and technological execution.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While JPM is a steady grower, it lacks the aggressive growth profile of technology-focused companies. |
| Momentum investor | Strong fit while signal remains positive | JPM can attract momentum capital during periods of rising interest rates and strong financial sector performance. |
| Value investor | Strong fit | JPM's fortress balance sheet and consistent earnings make it a cornerstone value holding. |
| Dividend investor | Strong fit | The company offers a reliable and growing dividend yield suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While large and stable, JPM is sensitive to macroeconomic cycles and interest rate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate expectations and economic outlooks. |
| Valuation risk | Low | JPM is typically priced at fair value given its strong market position. |
| Competition risk (Fintech) | Medium | Innovative digital-first competitors challenge traditional banking fee structures. |
| Business quality | Strong | The firm operates as a systemic, diversified financial giant. |
| Dividend income | Strong | The dividend is supported by high-quality earnings and capital discipline. |
| Execution risk | Medium | Managing a global organization requires constant operational refinement. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 28.77% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 891.72B USD | Price to earnings Ratio 14.09 | 1Y Target Price 372.26 |
Price to earnings Ratio 14.09 | 1Y Target Price 372.26 | ||
Volume (30-day avg) 7.8M shares | Beta 1.01 | 52 Weeks Range 275.06 - 364.68 | Updated Date 10/27/2026 |
52 Weeks Range 275.06 - 364.68 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 1.84% | Basic EPS (TTM) 23.84 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer & Community Banking | Interest income from loans and fees from credit cards and deposits. | This is the primary way everyday people interact with the bank, providing stable, recurring revenue. |
| Corporate & Investment Bank | Trading revenue, underwriting fees, and advisory fees. | This segment is highly profitable but can be volatile based on global market conditions. |
| Asset & Wealth Management | Management and performance fees from assets under management. | This generates stable fee-based revenue that grows with client assets. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-13 | When Before Market | Estimate 5.94 | Actual 5.75 |
Profitability
Profit Margin 34.59% | Operating Margin (TTM) 42.58% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 18.01% |
Valuation
Trailing PE 14.09 | Forward PE 13.04 | Enterprise Value 357.54B | Price to Sales(TTM) 4.68 |
Enterprise Value 357.54B | Price to Sales(TTM) 4.68 | ||
Enterprise Value to Revenue 6.77 | Enterprise Value to EBITDA - | Shares Outstanding 2.66B | Shares Floating 2.64B |
Shares Outstanding 2.66B | Shares Floating 2.64B | ||
Percent Insiders 0.39 | Percent Institutions 75.61 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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