CrossAssetDataAnswered on the record · 30 October 2026 · What the grade is made of

What is JPMorgan Chase's grade made of?

Answered on the record on 30 October 2026, from the files as they stood that day What the grade is made of

JPMorgan Chase & Co. is graded 6.6 of 10: 7.6 in the past, 6.6 in the present and 4.9 in the future. All 9 of its metrics are read as filed, none is a CrossAssetData estimate, and its headline is the highest of the 83 National Commercial Banks.

How this list was made. The grade is nine metrics in three tenses, past, present and future, each metric scored out of 10 from where its parts rank within the company's industry family, National Commercial Banks. Each tense blends its three metrics by weight, and for a lending business the headline weighs the past at 40 percent, the present at 35 and the future at 25. A metric reads as filed when it is arithmetic on the filed record, or else as a CrossAssetData estimate with its reasoning; each row gives its tense, score, family percentile and record.
  1. JPMSurviving crises past, 7.5 of 10, 75th percentile of 83 in its family, read as filedIts filings since 2017 show no warning event in the scan: no bankruptcy or receivership notice, debt default, exchange listing notice, restatement warning, auditor change, material cyber incident or late-report notice.
  2. JPMTrack record past, 6.3 of 10, 63rd percentile of 79 in its family, read as filedOver 10 filed years, revenue went from $97 billion in fiscal 2016 to $182 billion in fiscal 2025, up 7.3 percent a year. It rose in 9 of 9 years and net income was positive in 10 of 10.
  3. JPMShareholder treatment past, 8.8 of 10, 88th percentile of 81 in its family, read as filedIn the 3 fiscal years to 31 December 2025, the diluted share count shrank about 2.2 percent a year and dividends and buybacks returned about 64 percent of net income. Insiders' trades are printed on the file, not scored.
  4. JPMFinancial health present, 6.5 of 10, 65th percentile of 83 in its family, read as filedIn the fiscal year ended 31 December 2025, return on equity was about 16 cents of profit per dollar of shareholders' money and leverage about 92 cents owed per dollar of assets. The share count shrank 3.4 percent over the year.
  5. JPMIndustry position present, 6.9 of 10, 69th percentile of 79 in its family, read as filedFiscal 2025 revenue of $182 billion ranks in the top 1 percent of 79 graded names by size, and a net margin of 31.3 percent in the top 13 percent. Three-year revenue growth of 12.3 percent a year ranks in the bottom 21 percent.
  6. JPMLeadership present, 6.3 of 10, 63rd percentile of 74 in its family, read as filedJames Dimon has filed as Chairman & CEO since 20 January 2006, at least 20.8 years, top 2 percent of its family. The 23 people in charge show a median 8.6 years on the record and 11 officer or director changes reported since 30 October 2023.
  7. JPMRoom to expand future, 4.3 of 10, 43rd percentile of 71 in its family, read as filedIn fiscal 2025, cash of $343 billion against no long-term debt tagged in the filing leaves 7.8 percent of assets as net cash, top 16 percent of its family. Cash from operations less capital spending is minus 81 percent of revenue, bottom 2 percent.
  8. JPMGrowth drivers future, 4.9 of 10, 49th percentile of 79 in its family, read as filedRevenue grew 12.3 percent a year over the last three filed years against 7.3 percent over all 10, and 2.8 percent in the newest year. Its 3 lines of business all grew in fiscal 2025; the largest is 44 percent of revenue.
  9. JPMExpectations vs reality future, 5.6 of 10, 56th percentile of 76 in its family, read as filedFiscal 2025 revenue of $182 billion came in 12.5 percent below the $209 billion its prior three years' pace pointed to. Net income of $57 billion compares with a prior three-year average of $49 billion.

How each tense is weighed

Within the past, Surviving crises weighs 45 percent, Shareholder treatment 33 and Track record 22. Within the present, Financial health weighs 45 percent, Industry position 33 and Leadership 22. The future weighs Room to expand, Growth drivers and Expectations vs reality at 33 percent each.

Sources

  1. JPM: the company file
  2. JPM: the grade on its company page
  3. How the grade is made
  4. sic-6021: the family report on Timelines

By the desk, an AI model, from the record alone (ruling 162). Every figure is a field of the files named above, matched by value when the answer was staged. Nothing here is advice, and nothing here is a price.

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