Market Pulse63Bullish

JPMorgan Chase & Co.Opportunity Rank #25(JPM) Intrinsic Value & DCF Analysis (2026)

Current Price

$336.47

Last updated: Jul 13, 2026

Price vs Intrinsic Value

$336.47
Price
$1,287.32
Intrinsic Value
Undervalued by 283%MOS: $1,029.86

Fundamental Score

83/100
Bullish

Weighted across 6 signals

Narrative Score

80/100
Strong

No change vs previous

Trend Score

61/100
Constructive

As of 2026-07-10

The intrinsic value of JPMorgan Chase & Co. (JPM) is estimated at $1,287.32 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $336.47, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 5.85% long-term growth rate and an 8.37% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of JPMorgan Chase & Co. (JPM) is estimated at $1,287.32 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $336.47, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 5.85% long-term growth rate and an 8.37% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$1,287.32
282.60% upside
20% margin of safety: $1,029.86
Years: 10Growth Rate: 5.85%
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Fundamental Details

83/100
BullishWeighted across 6 signals
DCF Discount
282.6% discount to price
100
FCF Yield
15.6% trailing FCF yield
100
ROIC vs WACC
ROIC vs WACC unavailable
50
Net Debt / FCF
Net cash position
100
Buybacks
Share count flat
50
FCF CAGR (5Y)
1071.7% 5Y FCF CAGR (adjusted)
100
Strengths lead the score: DCF Discount, FCF Yield.

Narrative Details

80/100
Strong
Vs 6-Month Baseline:Above Avg (67th pct)Weighted across 6 recent drivers
Trend: StableConfidence: 100%Updated: 2d ago
Sources: 210 (200 News · 10 Analyst)
Drivers(last 30 days)
162 news sentiment+4.1
30 regulatory scrutiny+1.7
3 earnings beat+0.7
Upgrade headlines+0.2
3 legal risk-0.0
Promotions/discounting+0.0

Trend Details

61/100
ConstructiveAs of 2026-07-10309 daily bars used
Distance from 52-Week High-0.8%
Price vs 50 EMA+5.4%
21 EMA vs 50 EMA+2.9%
Price vs 21 EMA64 · +2.4%
Price vs 50 EMA74 · +5.4%
21 EMA vs 50 EMA72 · +2.9%
3M RS vs SPY39 · -2.6%
6M RS vs SPY32 · -6.6%
Distance from 52W High98 · -0.8%

Investment Coach

Updating... 31d ago
BUYConfidence: 72%
Thesis
JPMorgan Chase & Co. is significantly undervalued with an estimated fair value over 310% above the current price, supported by strong fundamentals and an improving narrative. The company's robust free cash flow growth and bullish fundamental score indicate substantial upside potential.
Key Risk
Returns are currently trailing the estimated cost of capital, which could limit value creation if not improved.
Signals To Watch
  • Monitor whether valuation discount remains above 10%.
  • Track ROIC versus WACC spread for sustained improvement.
  • Follow narrative trend for meaningful shifts in the score direction.
Ask the Coach - Available with
Historical Growth Rates
Free Cash Flow- - -Trend CAGR: 5.85%5 Year CAGR: 12.54%

Free Cash Flow (in millions)

TTM20252024202320222021202020192018201720162015201420132012201120102009200820072006
$140,945$100,867-$42,012$12,974$107,119$78,084-$79,910$4,092$15,614-$10,827$21,884$73,466$36,593$107,953$25,079$95,932-$3,752$122,797$6,308-$110,560-$49,579

How Intrinziq Estimates Fair Value

Intrinziq estimates JPMorgan Chase & Co.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

JPMorgan Chase & Co.Financial Services

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.