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JPMorgan Chase &

JPM
65
Banks - Diversified · Financial Services
Also trades as: 0Q1F.L GBP 3.39 (+1.44%)
Price
$339.72
+4.19 (+1.25%)
Market Cap
$903.04B
Exchange
New York Stock Exchange
Winston Score
65
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Strong
23/30
Growth
Strong
14/20
Capital Strength
Exceptional
10/10
Asset Quality
Good
6/10
Valuation
Strong
7/10
Ownership
Weak
2/15
Dividends
Good
3/5

65 of 100 counted points = Winston Score 65.

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Share count falling — buybacks

−8.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 3.03B (2021) → 2.78B (2025)

§Winston Score History

The full picture

JPMorgan Chase is the largest bank in the United States and one of the biggest in the world. The company provides basic banking services like checking accounts and loans to regular people, but it also helps big companies raise money, trades stocks and bonds, and manages investments for wealthy clients. It operates through four main divisions: consumer banking, corporate lending, investment banking, and asset management.

The bank makes money primarily through interest on loans, fees for financial services, and trading profits from buying and selling securities. JPMorgan operates mainly in the United States but has offices in over 60 countries worldwide, with assets exceeding $3.7 trillion. Its competitive advantage comes from its massive scale, strong balance sheet, and ability to serve everything from small personal loans to billion-dollar corporate deals under one roof. The bank's biggest risk going forward is potential loan losses if the economy weakens and borrowers struggle to repay their debts.

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49 trades / 12mo

28 Congressional buys and 21 sells on JPM in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+17.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+44.6% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~5 years

$4.1T cash & investments

$4.1T cash & investments at current burn rate

Growth context

JPMorgan Chase & is growing revenue at 18% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
16.6%
no trend
Exceptional — 16.6% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
2.92%
no trend
Healthy — 2.92% net interest margin
Cost of running the bank
Efficiency Ratio
54.7%
no trend
Very lean — spends 54.7¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+8.0%
Steady sales growth (+8.0% YoY)
Profit growth
EPS YoY
+19.1%
Earnings growing fast (+19.1% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Safety cushion
Capital Ratio
15.1%
no trend
Fortress balance sheet — 15.1% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.85%
no trend
Clean loan book — 0.85% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.62%
no trend
Rising losses — 0.62% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
14.6x
Attractive valuation — P/E 14.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.2
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
1.99%
Small dividend — 1.99% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+10.8%
Dividend growing fast (10.8% YoY)
Payout Ratio
26%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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