Aureus
FRed Flag

JP Morgan Chase & Co.(JPM)

F

Financial data as of Dec 31, 2025Declining · Financials

FCF Margin-81.3%Free Cash Flow / Revenue
Cash Conversion-259.0%Operating CF / Net Income
Free Cash Flow-$147.8B
Revenue$181.8B
Net Cash-$156.6BNet debt position
Debt / FCFN/AElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-185.6%2 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseF
→
-1Current ratio below 1.0 (0.00)
→
-1Negative FCF in 3 of last 4 quarters
→
-1Significant YoY FCF decline (-185.6%)
→
-1Only 2 positive quarters recently
→
-0.5Highly volatile FCF (consistency: 4.09)
→
+0.25Solid revenue growth (17.8% YoY)
→
FinalF

Analysis Summary

Concerns

  • Negative FCF margin (-81.3%)
  • Net debt position ($156.6B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Only 2 positive FCF quarters recently
  • Significant YoY FCF decline (-185.6%)
  • Highly volatile quarterly FCF

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin-81.3%
Net Margin31.4%
Operating CF Margin-81.3%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$156.6BNet debt position
Debt / FCFN/AElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity1.46Moderate leverage

Quarterly FCF Trend

-185.6% YoYDeclining (-185.6%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameJP Morgan Chase & Co.
SectorFinancials
Free Cash Flow-$147.8B
Revenue$181.8B
Net Income$57.0B
Operating Cash Flow-$147.8B
Capital Expenditure$0
FCF Margin-81.3%
Cash Conversion Rate-259.0%
Net Margin31.4%
Total Debt$500.0B
Total Cash$343.3B
Net Cash-$156.6B
Current Ratio0.00
Debt / Equity1.46
Debt / FCFN/A
YoY FCF Growth-185.6%
Positive Quarters2 of 5
Trend DirectionDeclining
Report DateDec 31, 2025
GradeF
Data SourceYahoo Finance

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