Financial Ratios JPMorgan Chase & Co.

Equities

JPM

US46625H1005

Banks

Market Closed - Nyse Other stock markets 01:30:02 11/09/2024 am IST			5-day change	1st Jan Change
205.56 ^USD	-5.19%		-6.69%	+20.85%

10/09	Equities Close Mixed Ahead of Consumer Inflation Report	MT
10/09	Equities Close Mixed Ahead of Consumer Inflation Report	MT

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Published financial data: JPMORGAN CHASE & CO.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	8.4TCr	6.45TCr	5.79TCr	9.28TCr	17TCr
Interest Income, Total	8.4TCr	6.45TCr	5.79TCr	9.28TCr	17TCr
Interest On Deposits	2.68TCr	996Cr	555.3Cr	2.61TCr	8.13TCr
Interest Expense, Total	2.68TCr	996Cr	555.3Cr	2.61TCr	8.13TCr
Net Interest Income	5.72TCr	5.46TCr	5.23TCr	6.67TCr	8.93TCr
Trust Income	1.72TCr	1.82TCr	2.1TCr	2.07TCr	1.52TCr
Total Mortgage Banking Activities	203.6Cr	309.1Cr	217Cr	125Cr	117.6Cr
Income From Trading Activities	1.4TCr	1.8TCr	1.63TCr	1.99TCr	2.45TCr
Gain (Loss) on Sale of Assets	60L	60L	-70L	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	26Cr	67Cr	3.4Cr	-271.8Cr	-341.2Cr
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-153.8Cr
Total Other Non Interest Income	2.49TCr	2.5TCr	2.98TCr	2.29TCr	2.98TCr
Non Interest Income, Total	5.84TCr	6.5TCr	6.93TCr	6.2TCr	6.57TCr
Revenues Before Provison For Loan Losses	12TCr	12TCr	12TCr	13TCr	15TCr
Provision For Loan Losses	558.5Cr	1.75TCr	-925.6Cr	638.9Cr	932Cr
Total Revenues	11TCr	10TCr	13TCr	12TCr	15TCr
Salaries And Other Employee Benefits	3.19TCr	3.25TCr	3.56TCr	3.88TCr	4.33TCr
Occupancy Expense	-	-	-	261.7Cr	251.1Cr
Selling General & Admin Expenses, Total	2.85TCr	2.82TCr	3.02TCr	2.83TCr	2.93TCr
Total Other Non Interest Expense	484.7Cr	482.6Cr	503.6Cr	609.9Cr	808.5Cr
Non Interest Expense, Total	6.53TCr	6.55TCr	7.09TCr	7.59TCr	8.32TCr
EBT, Excl. Unusual Items	4.48TCr	3.65TCr	6TCr	4.64TCr	6.25TCr
Total Merger & Related Restructuring Charges	-	-	-	-	-106Cr
Legal Settlements	-24Cr	-111.5Cr	-43Cr	-27Cr	-
Other Unusual Items	-	-	-	-	21Cr
EBT, Incl. Unusual Items	4.45TCr	3.54TCr	5.96TCr	4.62TCr	6.16TCr
Income Tax Expense	811.4Cr	627.6Cr	1.12TCr	849Cr	1.21TCr
Earnings From Continuing Operations	3.64TCr	2.91TCr	4.83TCr	3.77TCr	4.96TCr
Net Income to Company	3.64TCr	2.91TCr	4.83TCr	3.77TCr	4.96TCr
Net Income - (IS)	3.64TCr	2.91TCr	4.83TCr	3.77TCr	4.96TCr
Preferred Dividend and Other Adjustments	178.9Cr	172.1Cr	183.1Cr	178.4Cr	179.2Cr
Net Income to Common Incl Extra Items	3.46TCr	2.74TCr	4.65TCr	3.59TCr	4.78TCr
Net Income to Common Excl. Extra Items	3.46TCr	2.74TCr	4.65TCr	3.59TCr	4.78TCr
Per Share Items
Net EPS - Basic	10.75	8.89	15.39	12.1	16.25
Basic EPS - Continuing Operations	10.75	8.89	15.39	12.1	16.25
Basic Weighted Average Shares Outstanding	322.15Cr	308.24Cr	302.15Cr	296.58Cr	293.86Cr
Net EPS - Diluted	10.72	8.88	15.36	12.09	16.23
Diluted EPS - Continuing Operations	10.72	8.88	15.36	12.09	16.23
Diluted Weighted Average Shares Outstanding	323.04Cr	308.74Cr	302.66Cr	297Cr	294.31Cr
Normalized Basic EPS	8.69	7.41	12.41	9.78	13.28
Normalized Diluted EPS	8.66	7.39	12.39	9.77	13.26
Dividend Per Share	3.4	3.6	3.8	4	4.1
Payout Ratio	33.88	43.56	26.6	36	27.17
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	18.22	17.73	18.85	18.39	19.57
Current Domestic Taxes	506.2Cr	755.2Cr	476.2Cr	823.6Cr	1.22TCr
Current Foreign Taxes	210.3Cr	270.5Cr	271.8Cr	299.2Cr	435.5Cr
Total Current Taxes	716.5Cr	1.03TCr	748Cr	1.12TCr	1.66TCr
Deferred Domestic Taxes	93Cr	-385.5Cr	384.9Cr	-258.4Cr	-456.9Cr
Deferred Foreign Taxes	2Cr	-13Cr	-10Cr	-15Cr	3.5Cr
Total Deferred Taxes	95Cr	-398.1Cr	374.8Cr	-273.8Cr	-453.4Cr
Normalized Net Income	2.8TCr	2.28TCr	3.75TCr	2.9TCr	3.9TCr
Non-Cash Pension Expense	-15Cr	-21Cr	-20Cr	-19Cr	-39Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	225.6Cr	245.1Cr	292.9Cr	279.4Cr	311.7Cr
Total Stock-Based Compensation	225.6Cr	245.1Cr	292.9Cr	279.4Cr	311.7Cr

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	22TCr	50TCr	72TCr	54TCr	60TCr
Investment Securities, Total	49TCr	65TCr	75TCr	75TCr	65TCr
Trading Asset Securities, Total	41TCr	50TCr	43TCr	45TCr	54TCr
Mortgage Backed Securities	16TCr	24TCr	20TCr	21TCr	22TCr
Total investments	1,06800Cr	1,39900Cr	1,37900Cr	1,41400Cr	1,40400Cr
Gross Loans	99TCr	1,05300Cr	1,12900Cr	1,18100Cr	1,36700Cr
Allowance For Loan Losses	-1.31TCr	-2.83TCr	-1.64TCr	-1.97TCr	-2.24TCr
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	97TCr	1,02400Cr	1,11200Cr	1,16100Cr	1,34500Cr
Net Property Plant And Equipment	4.94TCr	4.83TCr	4.46TCr	4TCr	4.08TCr
Goodwill	4.78TCr	4.92TCr	5.03TCr	5.17TCr	5.26TCr
Other Intangibles, Total	82Cr	90Cr	88Cr	122.4Cr	322.5Cr
Loans Held For Sale	706.4Cr	787.3Cr	868.8Cr	397Cr	398.5Cr
Accrued Interest Receivable	3.9TCr	4.27TCr	4.29TCr	7.59TCr	5.97TCr
Restricted Cash	4.65TCr	2.44TCr	1.97TCr	2.68TCr	1.96TCr
Other Current Assets, Total	14TCr	16TCr	21TCr	19TCr	20TCr
Other Real Estate Owned And Foreclosed	24Cr	15Cr	13Cr	16Cr	16Cr
Other Long-Term Assets, Total	9.83TCr	13TCr	16TCr	17TCr	14TCr
Total Assets	2,68700Cr	3,38600Cr	3,74400Cr	3,66600Cr	3,87500Cr
Liabilities
Accounts Payable, Total	7.34TCr	7.03TCr	6.76TCr	7.72TCr	9.19TCr
Accrued Expenses, Total	12TCr	15TCr	18TCr	20TCr	18TCr
Interest Bearing Deposits	1,05200Cr	1,46400Cr	1,70400Cr	1,52600Cr	1,51100Cr
Institutional Deposits	9.5TCr	8.43TCr	9.35TCr	14TCr	22TCr
Non-Interest Bearing Deposits	42TCr	60TCr	67TCr	67TCr	67TCr
Total Deposits	1,56200Cr	2,14400Cr	2,46200Cr	2,34000Cr	2,40100Cr
Short-Term Borrowings	27TCr	33TCr	30TCr	30TCr	31TCr
Current Portion of Long-Term Debt	3.83TCr	2.69TCr	2.28TCr	3.22TCr	5.09TCr
Current Portion of Leases	160.4Cr	160.6Cr	157.2Cr	157.2Cr	168.5Cr
Long-Term Debt	25TCr	26TCr	23TCr	27TCr	34TCr
Federal Home Loan Bank Debt - Long-Term	1.91TCr	1.11TCr	5.3TCr	408.9Cr	2.33TCr
Long-Term Leases	690.1Cr	690.2Cr	675.6Cr	661.1Cr	714.8Cr
Trust Preferred Securities (BS)	212.3Cr	203.5Cr	197.5Cr	184.8Cr	172.8Cr
Other Current Liabilities - (Bank / Utility Template)	7.56TCr	9.96TCr	11TCr	13TCr	14TCr
Other Non Current Liabilities	-	242.1Cr	226.1Cr	778.2Cr	877.4Cr
Total Liabilities	2,42600Cr	3,10700Cr	3,44900Cr	3,37300Cr	3,54800Cr
Preferred Stock Redeemable	2.7TCr	3.01TCr	3.48TCr	2.74TCr	2.74TCr
Total Preferred Equity	2.7TCr	3.01TCr	3.48TCr	2.74TCr	2.74TCr
Common Stock, Total	410.5Cr	410.5Cr	410.5Cr	410.5Cr	410.5Cr
Additional Paid In Capital	8.85TCr	8.84TCr	8.84TCr	8.9TCr	9.01TCr
Retained Earnings	22TCr	24TCr	27TCr	30TCr	33TCr
Treasury Stock	-8.3TCr	-8.82TCr	-11TCr	-11TCr	-12TCr
Comprehensive Income and Other	154.8Cr	798.6Cr	-8.4Cr	-1.73TCr	-1.04TCr
Total Common Equity	23TCr	25TCr	26TCr	26TCr	30TCr
Total Equity	26TCr	28TCr	29TCr	29TCr	33TCr
Total Liabilities And Equity	2,68700Cr	3,38600Cr	3,74400Cr	3,66600Cr	3,87500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	307.4Cr	305.15Cr	295.28Cr	294.34Cr	288.04Cr
ECS Total Common Shares Outstanding	308.35Cr	304.94Cr	294.41Cr	293.42Cr	287.67Cr
Book Value / Share	76	81.75	88.07	90.29	104.45
Tangible Book Value	19TCr	20TCr	21TCr	21TCr	24TCr
Tangible Book Value Per Share	60.22	65.3	70.68	72.27	85.03
Tangible Book Value Per Share (As Reported)	60.98	66.11	71.53	73.12	86.08
Average Assets	2,74200Cr	3,20300Cr	3,72500Cr	3,85400Cr	3,82200Cr
Average Loans	95TCr	1,00500Cr	1,03500Cr	1,10000Cr	1,24800Cr
Total Debt	59TCr	64TCr	62TCr	62TCr	73TCr
Federal Funds Sold	1.1Cr	-	26TCr	32TCr	28TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-330.4Cr	-347.2Cr	-764.6Cr	-634.5Cr	-727.3Cr
Net Debt	-29TCr	-66TCr	-79TCr	-69TCr	-69TCr
Full Time Employees	3L	3L	3L	3L	3L
Number Of Offices	4.98T	4.91T	4.79T	4.79T	4.9T

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	3.64TCr	2.91TCr	4.83TCr	3.77TCr	4.96TCr
Depreciation, Depletion & Amortization	836.8Cr	861.4Cr	793.2Cr	705.1Cr	751.2Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	836.8Cr	861.4Cr	793.2Cr	705.1Cr	751.2Cr
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Provision for Credit Losses	558.5Cr	1.75TCr	-925.6Cr	638.9Cr	932Cr
Stock-Based Compensation (CF)	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	820.2Cr	898.6Cr	-1.15TCr	1.85TCr	118.5Cr
Change in Trading Asset Securities	-65Cr	-15TCr	8.57TCr	-3.14TCr	-7.41TCr
Changes in Accrued Interest Receivable	-7.8Cr	-1.8TCr	-1.24TCr	-2.3TCr	1.99TCr
Change in Accounts Payable	-35Cr	782.7Cr	4.32TCr	5.86TCr	-2.54TCr
Change in Other Net Operating Assets (Collected)	-6.01TCr	1.4TCr	-8.06TCr	2.85TCr	2.8TCr
Other Operating Activities	863.8Cr	78Cr	662.4Cr	477.5Cr	-300.8Cr
Cash from Operations	604.6Cr	-7.99TCr	7.81TCr	11TCr	1.3TCr
Cash Acquisitions	-	-	-	-	-992Cr
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-13TCr	-18TCr	-9.68TCr	1.25TCr	9.56TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	839.8Cr	-2.67TCr	-5.6TCr	-8.41TCr	-4.1TCr
Other Investing Activities, Total	6.74TCr	-5.45TCr	2.34TCr	-6.62TCr	2.3TCr
Cash from Investing	-5.4TCr	-26TCr	-13TCr	-14TCr	6.76TCr
Short Term Debt Issued, Total	-	443.8Cr	777.3Cr	-	-
Long-Term Debt Issued, Total	6.67TCr	11TCr	8.24TCr	8.91TCr	9.82TCr
Total Debt Issued	6.67TCr	12TCr	9.02TCr	8.91TCr	9.82TCr
Short Term Debt Repaid, Total	-2.86TCr	-	-	-898.4Cr	-193.4Cr
Long-Term Debt Repaid, Total	-6.96TCr	-11TCr	-8TCr	-4.56TCr	-6.49TCr
Total Debt Repaid	-9.82TCr	-11TCr	-8TCr	-5.45TCr	-6.68TCr
Repurchase of Common Stock	-2.4TCr	-651.7Cr	-1.84TCr	-316.2Cr	-982.4Cr
Issuance of Preferred Stock	500Cr	450Cr	735Cr	-	-
Repurchase of Preferred Stock	-407.5Cr	-143Cr	-257.5Cr	-743.4Cr	-
Common & Preferred Stock Dividends Paid	-1.23TCr	-1.27TCr	-1.29TCr	-1.36TCr	-1.35TCr
Common & Preferred Stock Dividends Paid	-1.23TCr	-1.27TCr	-1.29TCr	-1.36TCr	-1.35TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	10TCr	60TCr	29TCr	-14TCr	-3.22TCr
Other Financing Activities, Total	-114.6Cr	-93Cr	-147.7Cr	23Cr	-152.1Cr
Cash from Financing	3.3TCr	60TCr	28TCr	-13TCr	-2.56TCr
Foreign Exchange Rate Adjustments	-18Cr	915.5Cr	-1.15TCr	-1.66TCr	187.1Cr
Net Change in Cash	-1.52TCr	26TCr	21TCr	-17TCr	5.69TCr
Supplemental Items
Cash Interest Paid	2.99TCr	1.31TCr	514.2Cr	2.31TCr	7.71TCr
Cash Income Tax Paid (Refund)	562.4Cr	766.1Cr	1.87TCr	435.5Cr	990.8Cr
Net Debt Issued / Repaid	-3.14TCr	1.09TCr	1.02TCr	3.46TCr	3.14TCr

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	1.37	0.96	1.36	1.02	1.31
Return On Equity %	14.07	10.78	16.86	12.85	15.98
Return on Common Equity	14.91	11.34	18.29	13.69	16.89
Shareholders Value Added	854.4Cr	11Cr	1.78TCr	622.3Cr	1.63TCr
Margin Analysis
SG&A Margin	54.9	59.49	50.32	57.05	51.57
Net Interest Income / Total Revenues %	52.02	53.46	39.96	54.54	61.28
EBT Excl. Non-Recurring Items Margin %	40.7	35.78	45.83	37.96	42.88
Income From Continuing Operations Margin %	33.11	28.54	36.92	30.8	34.02
Net Income Margin %	33.11	28.54	36.92	30.8	34.02
Net Avail. For Common Margin %	31.48	26.86	35.53	29.35	32.79
Normalized Net Income Margin	25.44	22.36	28.64	23.73	26.8
Asset quality
Nonperforming Loans / Total Loans %	0.41	1	0.69	0.57	0.51
Nonperforming Loans / Total Assets %	0.15	0.31	0.21	0.18	0.18
Nonperforming Assets / Total Assets %	0.17	0.32	0.22	0.2	0.2
NPAs / Loans and OREO	0.46	1.04	0.74	0.61	0.56
NPAs / Equity	1.72	3.9	2.84	2.48	2.32
Allowance for Credit Losses / Net Charge-offs %	227.04	538.66	571.94	691.41	361.09
Allowance for Credit Losses / Nonperforming Loans %	321.64	267.93	210.21	293.54	324.13
Allowance for Credit Losses / Total Loans %	1.33	2.69	1.45	1.67	1.64
Net Charge-offs / Total Average Loans %	0.61	0.52	0.28	0.26	0.5
Provision for Loan Losses / Net Charge-offs %	96.63	332.38	-323.07	223.94	150.1
Earning Assets / IBL	126.86	128.55	128.37	130.48	128.22
Interest Income / Average Assets	3.06	2.01	1.55	2.41	4.46
Interest Expense / Average Assets	0.98	0.31	0.15	0.68	2.13
Net Interest Income / Average Assets	2.09