NYSE$JPM

JPMorgan Chase & Co · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

JPMorgan Chase reported Q4 2025 net income of $13.0B with managed revenue of $46.8B and diluted EPS of $4.63.

Fourth-quarter managed revenue rose 7% to $46.8 billion while net income was $13.0 billion ($4.63 per share). Excluding a significant item tied to the Apple Card forward purchase commitment, net income was $14.7 billion ($5.23 per share). Markets revenue increased 17% and Asset & Wealth Management revenue reached a record $6.5 billion.

  • Q4 managed revenue $46.8B (+7% YoY); net income $13.0B.
  • Diluted EPS $4.63; adjusted EPS $5.23 excluding Apple Card reserve.
  • Markets revenue $8.2B (+17% YoY); AWM revenue record $6.5B.
  • Full-year net income $57.0B; dividend raised to $1.76.

Headline financials

Total Revenue

$45.8B

Previous: $43.7B+4.7%
EPS (adj)

$5.23

Previous: $4.81+8.7%
Return on Equity

15.0%

No prior period
Return on Tangible Equity

18.0%

No prior period
CET1 Capital Ratio

14.5%

No prior period
TLAC

$564B

No prior period
Standardized RWA

$2T

No prior period
CCB ROE

25.0%

No prior period
CIB ROE

19.0%

No prior period
AWM ROE

44.0%

No prior period
Assets Under Management

$4.8T

No prior period
Mobile Customers Growth

7.0%

No prior period
Cash & Securities

$1.5T

No prior period
Average Loans

$1.5T

No prior period
Book Value/Share

$126.99

No prior period
Tangible BV/Share

$107.56

No prior period
CET1 Capital

$288B

No prior period
Supplementary Leverage

5.8%

No prior period
Net Income

$13B

Previous: $14B-7.2%
Operating Income

$13B

No prior period

Revenue & EPS history

JPMorgan · Revenue · Quarterly

$45.8B

Q4 2025+4.7%vs Q4 2024
Beat estimate in 10 of 14 quarters(71%)
ActualEstimate

Revenue by segment

JPMorgan · $24.9B total across 3 segments · Q3 2023

  • Consumer & Community
    $18.4B+28.6%
  • Asset & Wealth Mgmt
    $5.01B+10.3%
  • Corporate
    $1.56B+615.9%

Forward guidance

The release discusses JPMorgan Chase's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • JPMorgan Chase cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.
  • Capital markets activity and wealth flows can support fee income.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.
  • Reserve builds, legal items, and trading volatility can move GAAP earnings.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.3%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+2.8%

Avg return

30 days after

49%

36 / 73 earnings

Positive

+8.4%

Q1 2023

Best reaction

-10.2%

Q2 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.0%-1.1%-4.4%
Q4 2025-3.7%-3.7%-6.7%
Q3 2025-2.2%-3.4%+0.5%
Q2 2025+1.2%+0.0%+5.6%
Q1 2025+4.0%+1.1%+11.4%
Q4 2024+2.7%+4.7%+11.8%
Q3 2024+4.1%+5.1%+11.3%
Q2 2024+1.3%+4.5%-0.8%
Q1 2024-6.4%-7.9%+1.7%
Q4 2023-1.4%-1.9%+2.8%
Q3 2023+1.4%+0.1%+0.4%
Q2 2023+3.0%+3.6%+3.7%
Q1 2023+8.4%+9.5%+4.0%
Q4 2022+0.9%-2.1%+1.1%
Q3 2022+5.9%+6.5%+23.7%
Q2 2022+0.9%+2.4%+9.1%
Q1 2022-4.1%-2.3%-9.5%
Q4 2021-10.1%-11.5%-8.5%
Q3 2021-1.1%+0.7%+0.9%
Q2 2021-1.8%-3.9%+2.4%
Q1 2021-1.2%-0.9%+6.4%
Q4 2020-2.2%-3.7%+0.1%
Q3 2020-2.2%-0.9%+10.7%
Q2 2020+2.1%+0.5%+4.8%
Q1 2020-7.5%-3.1%-10.9%
Q4 2019-0.3%+0.7%+0.5%
Q3 2019+2.8%+3.5%+10.4%
Q2 2019+0.1%-0.3%-7.6%
Q1 2019+3.5%+7.6%+5.9%
Q4 2018+1.5%+3.6%+1.5%
Q3 2018-1.7%+1.6%+2.9%
Q2 2018+3.5%+4.4%+8.3%
Q1 2018-2.8%-3.6%+0.4%
Q4 2017+1.3%+1.9%-0.7%
Q3 2017-1.0%+0.8%+0.7%
Q2 2017-1.8%-2.0%-1.8%
Q1 2017+0.5%-0.3%+1.8%
Q4 2016-3.1%-2.7%+0.9%
Q3 2016-0.8%+0.9%+13.2%
Q2 2016+1.6%+1.1%+3.4%
Q1 2016+5.6%
Q4 2015-0.5%
Q3 2015-2.8%
Q2 2015+1.6%
Q1 2015+3.4%
Q4 2014-6.5%
Q3 2014-4.5%
Q2 2014+4.3%
Q1 2014-4.3%
Q4 2013+3.1%
Q3 2013+0.4%
Q2 2013-0.5%
Q1 2013-2.8%
Q4 2012+0.2%
Q4 2011+0.3%
Q3 2012+0.7%
Q2 2012+3.1%
Q1 2012-3.4%
Q3 2011-0.4%
Q2 2011-10.2%
Q1 2011-0.2%
Q4 2009-2.3%
Q4 2010-2.3%
Q3 2010+0.3%
Q2 2010-3.5%
Q1 2009+1.9%
Q1 2010+1.3%
Q4 2007+1.9%
Q3 2008+1.6%
Q3 2009+1.6%
Q2 2009-2.6%
Q4 2008-2.6%
Q2 2008-2.6%

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