{"schema_version":"secwatch.filing_event.v1","accession":"0000019617-25-000520","form_type":"8-K","ticker":"JPM","cik":"0000019617","company_name":"JPMORGAN CHASE & CO","filed_at":"2025-07-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.706624+00:00","generated_at":"2026-05-18T06:32:56.042697+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"JPMorgan 2Q25: net income $15.0B, EPS $5.24; revenue $45.7B; FY NII guidance ~$95.5B","bullets":["Net income $15.0B ($5.24 EPS); ex-tax benefit $14.2B ($4.96 EPS, ROTCE 20%).","Managed revenue $45.7B, down ~10% YoY; expense $23.8B, overhead ratio 52%.","Credit costs $2.8B (NCOs $2.4B, reserve build $0.4B); CET1 ratio 15.0% (down 40bps QoQ).","FY2025 guidance: NII ~$95.5B, adj. expense ~$95.5B, Card NCO rate ~3.6%.","Capital distributed: $3.9B common dividends ($1.40/sh), $7.1B net share repurchases."],"urls":{"canonical":"https://secwatch.observer/filing/0000019617-25-000520","json":"https://secwatch.observer/filing/0000019617-25-000520.json","markdown":"https://secwatch.observer/filing/0000019617-25-000520.md","text":"https://secwatch.observer/filing/0000019617-25-000520.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/19617/000001961725000520/0000019617-25-000520-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/19617/000001961725000520/jpm-20250715.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:32:56.042697+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}