---
schema_version: "secwatch.filing_event.v1"
accession: "0000019617-25-000040"
form_type: "8-K"
ticker: "JPM"
cik: "0000019617"
company_name: "JPMORGAN CHASE & CO"
filed_at: "2025-01-15T23:59:59+00:00"
generated_at: "2026-05-28T01:26:50.726600+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# JPMorgan Q4 net income $14.0B ($4.81 EPS); FY record $58.5B

## Summary
- Q4 net income $14.0B ($4.81 diluted EPS) vs $9.3B ($3.04) YoY; full-year record $58.5B ($19.75).
- Managed revenue $43.7B; expense $22.8B (52% overhead ratio); credit costs $2.6B with $2.4B net charge-offs.
- CIB: Investment banking fees +49% YoY; Markets revenue +21% (Fixed Income +20%, Equities +22%).
- CCB: avg deposits -4% YoY; card net charge-off rate 3.30%; active mobile customers +7% YoY.
- CET1 ratio 15.7% Std; common dividend $1.25/share; net stock repurchases $4.0B; tangible book value $97.30 (+13%).

## SEC filing metadata
- accession: 0000019617-25-000040
- form_type: 8-K
- ticker: JPM
- cik: 0000019617
- company_name: JPMORGAN CHASE & CO
- filed_at: 2025-01-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/19617/000001961725000040/0000019617-25-000040-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/19617/000001961725000040/jpm-20250115.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000019617-25-000040
- JSON: https://secwatch.observer/filing/0000019617-25-000040.json
- Plain text: https://secwatch.observer/filing/0000019617-25-000040.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.