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Here's What Key Metrics Tell Us About JPMorgan Chase & Co. (JPM) Q4 Earnings

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JPMorgan Chase & Co. (JPM - Free Report) reported $45.8 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 7.1%. EPS of $5.23 for the same period compares to $4.81 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $45.69 billion, representing a surprise of +0.23%. The company has not delivered EPS surprise, with the consensus EPS estimate being $4.87.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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:
  • Book value per share: $126.99 versus $126.47 estimated by five analysts on average.
  • Net loan charged-off on Average loans (Total retained loans): 0.7% versus the five-analyst average estimate of 0.7%.
  • Total Interest Earning Assets - Average Balance: $3923.82 billion versus $3986.42 billion estimated by four analysts on average.
  • Total Non-Performing Assets: $5.56 billion compared to the $11.16 billion average estimate based on four analysts.
  • Total Net Revenue- Line of Business Net Revenue- Asset & Wealth Management: $6.52 billion versus $5.93 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +12.8% change.
  • Commercial & Investment Bank- Revenue by Business- Lending: $1.99 billion compared to the $2.03 billion average estimate based on two analysts. The reported number represents a change of +3.6% year over year.
  • Total Net Revenue- Line of Business Net Revenue- Consumer & Community Banking: $19.4 billion versus $19.34 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +5.6% change.
  • Consumer & Community Banking- Revenue By Business- Banking & Wealth Management: $10.87 billion versus the two-analyst average estimate of $10.94 billion. The reported number represents a year-over-year change of +7.1%.
  • Consumer & Community Banking- Revenue By Business- Home Lending: $1.25 billion compared to the $1.26 billion average estimate based on two analysts. The reported number represents a change of -3.7% year over year.
  • Consumer & Community Banking- Revenue By Business- Card Services & Auto: $7.28 billion versus the two-analyst average estimate of $7.15 billion. The reported number represents a year-over-year change of +5.3%.
  • Total Net Revenue- Line of Business Net Revenue- Commercial & Investment Bank: $19.38 billion versus the two-analyst average estimate of $19.38 billion. The reported number represents a year-over-year change of +10.1%.
  • Commercial & Investment Bank- Revenue by Business- Payments: $5.11 billion versus $4.8 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +8.7% change.

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

Shares of JPMorgan Chase & Co. have returned +1.4% over the past month versus the Zacks S&P 500 composite's +2.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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