JPM

$310.16

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, 1.91% trendline growth.
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-$255.82

With 20% Margin of Safety (MoS):

-$204.66
-165.98% downside
Capital Efficiency
Average Quarterly ROIC
109.6%
Cost of Capital (estimated)11%
Value StatusCreating Value

The company is earning a higher return on invested capital than it costs to raise that capital — a sign of strong, efficient value creation.

Complete historical ROIC is available with
.
Fundamental Score
30
BearishWeighted across 6 signals
DCF Discount
166.0% premium to price
0
FCF Yield
-14.2% trailing FCF yield
0
ROIC vs WACC
ROIC 109.6% vs WACC 11.0% (10.0x)
100
Net Debt / FCF
2.9x net debt to FCF
2
Buybacks
Share count flat
50
FCF CAGR (5Y)
-90.4% 5Y FCF CAGR (adjusted)
0
Strengths: ROIC vs WACC. Concerns: DCF Discount, FCF Yield.
Narrative Score
80
Strong
Weighted across 5 recent drivers · Last 30 daysVs 6-Month Baseline: High (92th pct)
Trend: Improving upConfidence: 100%Updated: 5h ago
Sources: 204 (News 200 · Analyst 4)
Drivers
76 regulatory scrutiny+3.4
110 news sentiment+2.2
13 legal risk-0.7
Restructuring-0.1
4 analyst reiterations0.0
Other Metrics
P/E15.2
Profit Margin20.3%
Owner Earnings$63.56b
One Dollar Premise28.00%
Debt/Equity11.51
Current Ratio0.78
PEG-20.458
Free Cash Flow (in millions)
20052006200720082009201020112012201320142015201620172018201920202021202220232024
-$30,236-$49,579-$110,560$6,308$122,797-$3,752$95,932$25,079$107,953$36,593$73,466$21,884-$10,827$15,614$4,092-$79,910$78,084$107,119$12,974-$119,748
How Intrinziq Estimates Fair Value

Intrinziq estimates JPMorgan Chase & Co.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

JPMorgan Chase & Co.Financial Services

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.
JPMorgan Chase & Co. (JPM) Intrinsic Value & DCF Valuation | Intrinziq