JPMorgan Chase & Co. (JPM) 재무
NYSE · Financial Services · Banks - Diversified · 직원 322,964명 · CEO Jamie Dimon
- 주가
- $337.04 -1.90%
- 시가총액
- $8960억
- 기업가치
- $1.8조
- 최근 실적
- Q3 '26 2026-10-13 제출
- 다음 실적
- 2027-01-14
매출(TTM)$3020억+8.7% 전년 대비최근 4개 분기, 막대 = 각 분기
영업이익률(TTM)28.2%+2.0 %p 전년 대비영업이익 $853억
순이익(TTM)$660억+13.7% 전년 대비세후, 영업외손익 포함
잉여현금흐름(TTM)-$1170억+2.0% 전년 대비설비투자 $0
희석 EPS(TTM)$23.84+18.1% 전년 대비최근 4개 분기 합계
순현금$1.47조+239.0% 전년 대비현금 + 단기투자 - 차입금
밸류에이션 및 주요 지표
- 시가총액
- $8960억 EV $1.8조
- 매출
- $3020억 최근 12개월
- 매출 성장률
- – 다음 회계연도
- 순이익률
- 21.9% 순이익 / 매출, TTM
- P/E
- 14.1×
- P/S
- 3.0× 주가 / 매출, TTM
- EV / EBITDA
- 19.6× TTM
- 잉여현금흐름
- -$1170억 최근 12개월
- 순이익
- $660억 최근 12개월
- 매출 추정
- – 다음 회계연도
- 이익
- 2027-01-14
- 배당
- $6.15 주당, 최근 12개월
핵심 요약
보고된 수치로 산출했으며, 모든 문장에 근거 수치를 함께 표시합니다.
- 매출 성장 둔화: 전년비 6.0%Q3 '26 매출 $762억, 직전 4개 분기 평균은 8.0%.
- 영업이익률 28.2%(TTM), 전년 대비 +2.0 %p매출이 8.7% 늘어나는 동안 영업이익은 17.1% 증가.
- 설비투자는 매출의 0.0%(전년 0.0%)최근 4개 분기 투자액 $0(전년비 –). 잉여현금흐름 -$1170억, 순이익의 -177.8%.
- 희석 주식 수 1년간 3.1% 감소Q3 '26 희석 주식 수 26.8억, 1년 전 27.7억.
- 순현금 $1.47조현금 + 단기투자 $2.7조, 리스 포함 차입금 $1.23조. 1년 전 순현금 $4330억.
직전 분기: Q3 '26
2026-09-30 종료 분기. 전년 동기 및 실적 발표 전 애널리스트 컨센서스와 비교.
분기 전년 대비
| Q3 '26 | 전년 | 증감 | |
|---|---|---|---|
| 매출 | $762억 | $719억 | +6.0% |
| 매출총이익률 | 62.2% | 59.8% | +2.4 %p |
| 영업이익 | $201억 | $187억 | +7.4% |
| 영업이익률 | 26.4% | 26.1% | +0.4 %p |
| 순이익 | $153억 | $144억 | +6.3% |
| 희석 EPS | $5.57 | $5.07 | +9.9% |
| 영업활동 현금흐름 | $0 | -$452억 | +100.0% |
| 설비투자 | $0 | $0 | – |
| 잉여현금흐름 | $0 | -$452억 | +100.0% |
| R&D | $0 | $0 | – |
| 주식보상비용 | $0 | $0 | – |
매출
수익이 어디서 나오는지를 사업별, 지역별로 분기마다 보여줍니다.
매출, 영업이익, 성장률
분기사업별 매출
누적, 분기| 부문 | Q4 '25 | 전년비 | 비중 | TTM | TTM 전년비 | 12개 분기 |
|---|---|---|---|---|---|---|
| Commercial And Investment Bank | $194억 | – | 42.3% | $785억 | – | |
| Consumer & Community Banking | $194억 | +5.6% | 42.4% | $760억 | +6.3% | |
| Asset and Wealth Management Segment | $65.2억 | +12.8% | 14.2% | $241억 | +11.6% | |
| Segment Reporting, Reconciling Item, Corporate Nonsegment | $14.8억 | – | 3.2% | $70.3억 | – | |
| Segment Reconciling Items | -$9.69억 | – | -2.1% | -$31.3억 | – |
이익률과 비용 구조
매출 한 단위에서 단계별로 얼마가 남는지, 그리고 비용이 어디에 쓰이는지.
이익률
분기매출 대비 비용 비율
분기현금흐름과 자본 배분
창출한 현금, 그 용도, 그리고 주주에게 돌아가는 몫.
영업활동 현금흐름, 설비투자, 잉여현금흐름
분기현금 사용처와 영업활동 현금흐름
회계연도최근 4개 분기
현금흐름표- 영업활동 현금흐름
- -$1170억
- 설비투자
- $0
- 자사주 매입
- -$234억
- 배당금
- -$131억
- 인수
- $0
- 순차입금 발행
- $340억
- 주식보상비용
- $0
- 잉여현금흐름
- -$1170억
- 주주환원 / FCF
- -31.1%
주식 수와 EPS
분기, 희석재무상태표
각 분기말의 유동성, 투자, 차입금.
현금, 투자, 차입금
분기말밸류에이션과 수익률
현재 배수를 회사 자체의 최근 5개 회계연도와 비교. 애널리스트 목표주가와 투자의견.
배수와 수익률
TTM 대 5개 회계연도| 현재 | 5년 평균 | 5년 범위에서의 현재 위치 | |
|---|---|---|---|
| P/E(TTM) | 14.1× | 12.0× | 10.3× – 16.1× |
| EV / EBITDA | 19.6× | 9.8× | 4.2× – 18.3× |
| EV / 매출 | 6.0× | 3.2× | 2.2× – 5.3× |
| 주가 / FCF | -7.6× | 16.1× 5년 중 3년 | 3.7× – 38.5× |
| 주가 / 장부가치 | 2.4× | 1.8× | 1.4× – 2.5× |
| FCF 수익률 | -13.1% | 4.6% | -16.5% – 26.9% |
| 투하자본이익률 | 3.3% | 4.8% | 4.2% – 5.6% |
| 자기자본이익률 | 17.9% | 15.4% | 12.9% – 17.0% |
애널리스트
컨센서스 목표주가 $373.36 (+10.8%)
범위 $312.00 – $425.00 · 투자의견 Buy
적극 매수1
매수31
중립27
매도2
적극 매도0
재무제표
손익계산서, 재무상태표, 현금흐름표의 모든 항목. 12개 분기와 10개 회계연도를 금액, 매출 대비 비율, 성장률로 표시.
전체 보고 항목
JPMorgan Chase & Co.이(가) 최근 10-Q / 10-K 제출 서류에 태그한 439개 전 항목을 SEC 공식 라벨과 정의와 함께 제공합니다. 주석(리스, 세금, 자사주 매입, 직원 등)도 포함.
| 항목(SEC 라벨) | 최근 분기 | 전년 | 전년비 | 최근 FY | 직전 FY | 전년비 |
|---|---|---|---|---|---|---|
| Accounts Payable and Accrued Liabilities | $3840억 | $3040억 | +26.6% | $3170억 | $2810억 | +12.9% |
| Accounts Payable and Other Accrued Liabilities | $1300억2025-12-31 | $1280억 | +2.1% | $1300억 | $1280억 | +2.1% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$76.9억 | -$72.4억 | -6.2% | -$42.9억 | -$125억 | +65.6% |
| Additional Paid in Capital, Common Stock | $906억 | $906억 | 0.0% | $911억 | $909억 | +0.2% |
| Affordable Housing Tax Credits and Other Tax Benefits, Amount | $17.4억 | $14.4억 | +20.7% | $61억 | $63.8억 | -4.4% |
| Amortization Method Qualified Affordable Housing Project Investments | $332억 | $318억 | +4.3% | $339억 | $320억 | +5.9% |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $15.2억 | $10.5억 | +45.0% | $45.5억 | $50.2억 | -9.3% |
| Amortization of Intangible Assets | – | – | – | $2.92억 | $3.39억 | -13.9% |
| Assets | $5.02조 | $4.55조 | +10.2% | $4.42조 | $4조 | +10.5% |
| Beneficial Interest Liability | $295억 | $277억 | +6.4% | $280억 | $273억 | +2.3% |
| Broker-Dealer, Payable to Other Broker-Dealer and Clearing Organization | $1870억2025-12-31 | $1530억 | +21.9% | $1870억 | $1530억 | +21.9% |
| Brokerage Commissions Revenue | $11.5억 | $9.48억 | +21.6% | $37.3억 | $31.2억 | +19.5% |
| Business Combination, Bargain Purchase, Gain Recognized, Amount | $02025-12-31 | $0 | – | $0 | $1.03억 | -100.0% |
| Business Combination, Step Acquisition, Equity Interest in Acquiree, Remeasurement Gain (Loss), Net | – | – | – | $0 | $0 | – |
| Cash and Due from Banks | $247억 | $238억 | +4.0% | $217억 | $234억 | -7.0% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$2억 | $3억 | -166.7% | -$9.26억 | -$16억 | +42.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $3100억 | $4200억 | -26.3% | $3430억 | $4690억 | -26.8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$23.3억 | -$55.8억 | +58.2% | -$1260억 | -$1550억 | +18.6% |
| Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments | $10.8억 | $3.61억 | +200.0% | -$28.6억 | $8.27억 | -446.2% |
| Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge | -$7.71억 | $9500만 | -911.6% | $47.4억 | $1.77억 | +2,580.2% |
| Collateral Already Posted, Aggregate Fair Value | $251억 | $171억 | +47.2% | $206억 | $152억 | +35.2% |
| Common Stock, Dividends, Per Share, Declared | $1.50 | $1.40 | +7.1% | $5.80 | $4.80 | +20.8% |
| Common Stock, Par or Stated Value Per Share | $1.00 | $1.00 | 0.0% | $1.00 | $1.00 | 0.0% |
| Common Stock, Shares Authorized | 90억 | 90억 | 0.0% | 90억 | 90억 | 0.0% |
| Common Stock, Shares, Issued | 41억 | 41억 | 0.0% | 41억 | 41억 | 0.0% |
| Common Stock, Shares, Outstanding | 27억2025-12-31 | 28억 | -3.6% | 27억 | 28억 | -3.6% |
| Common Stock, Value, Issued | $41.1억 | $41.1억 | 0.0% | $41.1억 | $41.1억 | 0.0% |
| Communications and Information Technology | $31.1억 | $27억 | +14.9% | $110억 | $98.3억 | +12.2% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $202억 | $169억 | +19.6% | $652억 | $565억 | +15.5% |
| Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding | $3290억 | $2830억 | +16.3% | $3070억 | $2660억 | +15.2% |
| Contract with Customer, Refund Liability, Current | $160억2025-12-31 | $144억 | +11.1% | $160억 | $144억 | +11.1% |
| Contractually Specified Servicing Fees, Amount | $4.04억 | $4.12억 | -1.9% | $16.4억 | $16.1억 | +1.8% |
| Credit Derivative, Maximum Exposure, Undiscounted | $7170억 | $7220억 | -0.7% | $6280억 | $5610억 | +11.9% |
| Current Federal Tax Expense (Benefit) | – | – | – | $31.1억 | $70.9억 | -56.2% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $42.7억 | $47.5억 | -10.2% |
| Current Income Tax Expense (Benefit) | – | – | – | $99.4억 | $146억 | -32.0% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $25.6억 | $27.6억 | -7.3% |
| Debt Securities, Available-for-Sale, Accrued Interest Writeoff | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $14.3억 | $19.6억 | -26.8% | $33.1억 | $11.2억 | +197.2% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $40.7억 | $51.7억 | -21.2% | $33.4억 | $53.1억 | -37.0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $144억 | $91.3억 | +57.6% | $160억 | $93.4억 | +71.6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $6.76억 | $7.23억 | -6.5% | $8.76억 | $6.89억 | +27.1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $320억 | $243억 | +31.8% | $160억 | $268억 | -40.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $2.33억 | $12.7억 | -81.7% | $2.19억 | $4.82억 | -54.6% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost | $5390억 | $4880억 | +10.6% | $5070억 | $4120억 | +22.9% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $1330억 | $1390억 | -4.1% | $1350억 | $1350억 | +0.2% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $1320억 | $1350억 | -2.5% | $1340억 | $1300억 | +2.6% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $965억 | $683억 | +41.2% | $635억 | $520억 | +22.0% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $961억 | $684억 | +40.5% | $639억 | $518억 | +23.5% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost | $2800억 | $2430억 | +15.2% | $2580억 | $1910억 | +35.3% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $2790억 | $2450억 | +14.0% | $2600억 | $1910억 | +36.4% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost | $291억 | $370억 | -21.3% | $496억 | $343억 | +44.8% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $291억 | $370억 | -21.2% | $497억 | $342억 | +45.2% |
| Debt Securities, Available-for-sale, Realized Gain | $2.24억 | $9400만 | +138.3% | $6.74억 | $5.93억 | +13.7% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$3.95억 | -$5400만 | -631.5% | -$5700만 | -$10.2억 | +94.4% |
| Debt Securities, Available-for-sale, Realized Loss | $6.19억 | $1.48억 | +318.2% | $7.31억 | $16.1억 | -54.7% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $464억 | $334억 | +38.9% | $320억 | $361억 | -11.2% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $9.09억 | $20억 | -54.5% | $11억 | $11.7억 | -6.5% |
| Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 10 | 4.8% | 4.9% | -0.2% | 4.7% | 5.0% | -5.4% |
| Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 5 Through 10 | 4.1% | 4.6% | -11.2% | 4.1% | 4.7% | -11.9% |
출처: SEC companyfacts(모든 10-Q / 10-K의 XBRL). 현금흐름 분기 수치는 10-Q에 태그된 누적 수치에서 산출합니다. 부문별 내역은 차원(dimension)과 함께 태그되므로 부문 섹션에 따로 표시됩니다.
출처
재무제표, 부문 매출, 지표, 추정치: Financial Modeling Prep. 부문별 이익과 전체 보고 항목: SEC EDGAR(XBRL). 참조한 제출 서류: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30
데이터 기준일 2026-11-01