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JPMorgan Chase & Co. (JPM) Reports Q3 Earnings: What Key Metrics Have to Say

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JPMorgan Chase & Co. (JPM - Free Report) reported $46.43 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 8.9%. EPS of $5.07 for the same period compares to $4.37 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $44.86 billion, representing a surprise of +3.51%. The company delivered an EPS surprise of +4.97%, with the consensus EPS estimate being $4.83.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how JPMorgan Chase & Co. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net loan charged-off on Average loans (Total retained loans): 0.8% versus 0.7% estimated by six analysts on average.
  • Book value per share: $124.96 versus $125.54 estimated by five analysts on average.
  • Total Interest Earning Assets - Average Balance: $3895.76 billion versus the four-analyst average estimate of $3913.34 billion.
  • Total Non-Performing Assets: $10.64 billion versus $10.75 billion estimated by four analysts on average.
  • Consumer & Community Banking- Revenue By Business- Card Services & Auto: $7.17 billion versus the two-analyst average estimate of $6.87 billion. The reported number represents a year-over-year change of +12%.
  • Total Net Revenue- Line of Business Net Revenue- Commercial & Investment Bank: $19.88 billion versus the two-analyst average estimate of $18.81 billion. The reported number represents a year-over-year change of +16.8%.
  • Commercial & Investment Bank- Revenue by Business- Payments: $4.92 billion versus the two-analyst average estimate of $4.54 billion. The reported number represents a year-over-year change of +12.5%.
  • Commercial & Investment Bank- Revenue by Business- Total Banking & Payments: $9.48 billion compared to the $9.28 billion average estimate based on two analysts. The reported number represents a change of +9.7% year over year.
  • Commercial & Investment Bank- Revenue by Business- Fixed Income Markets: $5.61 billion versus $5.34 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +23.9% change.
  • Commercial & Investment Bank- Revenue by Business- Equity Markets: $3.33 billion versus the two-analyst average estimate of $2.94 billion. The reported number represents a year-over-year change of +27%.
  • Consumer & Community Banking- Revenue By Business- Home Lending: $1.26 billion versus $1.24 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -2.7% change.
  • Commercial & Investment Bank- Revenue by Business- Total Markets & Securities Services: $10.4 billion compared to the $9.53 billion average estimate based on two analysts. The reported number represents a change of +24.2% year over year.

View all Key Company Metrics for JPMorgan Chase & Co. here>>>

Shares of JPMorgan Chase & Co. have returned -0.3% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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