CluenexJPMorgan Chase JPM
JPMorgan Chase scores good on business quality (6.4 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What JPMorgan Chase does
JPMorgan Chase makes money through diverse banking operations, collecting net interest income and fee revenue from consumers, corporations, and governments globally. The bank is expanding its ETF footprint, evidenced by comparisons against alternative small-cap funds in recent news.
- What it does best
JPMorgan delivers superior returns on equity, posting an roe of 17.8% that outpaces peers like Bank of America at 11.1% and Citigroup at 8.4%. This edge stems from unmatched scale across investment banking and retail deposits, making it difficult for rivals to match its earnings power.
- The main risk
Regulatory capital requirements and shifting macroeconomic conditions threaten earnings stability, as seen in broader analyst reassessments across the financial sector. If rules tighten further, loan growth and capital return programs could face severe constraints.
Quality, check by check
Scored against its own industry, from company filings.
Net margin stands at 31.9% driven by massive fee and interest generation, proving that the institution expands its profitability efficiently as revenue scales.
The bank commands a defensive moat built on deposit scale and global institutional relationships, locking in enterprise clients and consumers. Its roe sits in the top quartile at 58 sector rank, protecting its market share.
Revenue grew to $199.4B, showing a growth rate of 2.8% that places it in the bottom quartile of its sector rank of 19, indicating a deceleration compared to historical output.
With a debt to equity ratio of 2.6 and net income reaching $63.6B, the balance sheet absorbs massive deposit liabilities while generating stable profits, though operating cash flow sits at -$162.5B due to working capital swings.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on JPM
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
JPMorgan Chase scores good on the Cluenex quality check (6.4 of 10), measured against its own industry. Profitability is fair, moat fair, growth slow and financial health strong.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Oct 13, 2026, before the open.
See JPM today
- Today's verdict on JPM, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “JPMorgan Chase (JPM)”, https://cluenex.com/stocks/jpm/, data as of Oct 10, 2026.