JPMorgan Chase (NYSE: $JPM) is one of the biggest financial services firms globally. It offers consumer banking via Chase, and investment banking via J.P. Morgan.
The firm offers asset management and investment banking services to individuals, businesses, and governments globally. Customers have access to financial services like credit cards, loans, wealth advice, and financial transaction processing. On Tuesday, January 13, 2026, JPMorgan Chase released its Q4 fiscal 2025 results. Here is a deep dive into those results.
JPMorgan Chase Q4 Results
For the fourth quarter of fiscal 2025, the financial services giant reported net interest income of $25 billion, a 7% YoY increase, and above estimates of $24.97 billion. Q4 revenue came in at $46.77 billion, a 6.9% YoY increase, and above estimates of $46.55 billion.
It reported an adjusted EPS of $5.23, beating analysts’ estimate of $4.86 by 67.7%. Despite the earnings beat, net income was down 7% YoY to $13.03 billion.
Its tangible book value per share came in at $107.56, an 11.8% YoY increase, and above estimate of $106.70. As of Tuesday, January 13, 2026, it has an intraday market cap of $892.27 billion, making it one of the largest financial services firms worldwide.
Segment Performance
Asset And Wealth Management (AWM)
JP Morgan Chase ended Q4 with $4.8 trillion in assets under management, an 18% YoY increase. It reported a 20% YoY increase in client assets, driven by continued net inflows, and higher market levels.
The asset and wealth management arm reported net income of $1.8 billion, a 19% YoY increase. Net revenue came in at $6.5 billion, a 13% YoY increase, mainly driven by growth in management fees, and higher performance fees.
Noninterest expense was reported at $4.1 billion, an 8% YoY increase, driven by compensation, continued growth in the private banking advisor teams, and higher distribution fees, partially offeset by lower legal expenses.
Consumer And Community Banking (CCB)
Revenue for consumer and community banking was up 6% YoY to $19.40 billion, and the segment reported continued customer acquisition at a robust pace. Net income was down 19% YoY to $3.6 billion.
CEO Jamie Dimon stated the opened 1.7 million net new checking accounts in fiscal 2025, and 10.4 million new credit card accounts. He added that they grew wealth management households to over 3 million. The CEO added that they were excited to become the new issuer of Apple Card.
Commercial & Investment Bank (CIB)
The CIB segment reported a 10% YoY increase in net revenue to $19.40 billion, while net income rose 10% YoY to $7.3 billion. It reported a 4% YoY decline in Home Lending net revenue to $1.2 billion; a 5% YoY increase in Card Services & Auto net revenue to $7.3 billion, and a 7% YoY increase in Banking & Wealth Management net revenue to $10.9 billion.
Corporate
Net revenue for the corporate segment came in at $1.5 billion, a 26% YoY decline, while net income was $307 million, a 77% YoY decline.
Outlook
For fiscal 2026, the financial services firm expects a net income of $103 billion. It also forecasts higher expenses in fiscal 2026, driven by growth and volume-related costs.
Market Performance
Following the reported decline in net income, and expected higher costs in fiscal 2026, JPM shares dipped 2.4% during the early morning trading session to $316.70 per share as of 9:49 AM in New York.
Year to date, the stock is down 1.71%, while in the past six months, the stock has gained 10.40%. Over the past 12 months, the shares have risen 29.69%.
Analysts are cautiously optimistic about the future price performance of JPM shares, giving them a moderate buy rating. They forecast an average price of $341.38, which is a 5.21% upside. The analysts give a wide range of forecasts, with a high of $400 and a low of $260.
Is JPMorgan Chase (JPM) A Buy In 2026?
Despite the recent dip in net income, JP Morgan Chase remains the biggest and most diversified financial services firm in the US. As such, this gives it long-term stability, and the ability to scale when the opportunity arises. As a long-term strategic investment, adding JPM to your portfolio could potentially be a great move.
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