JPMorgan Q4 net income $13.0B ($4.63/sh); adjusted $14.7B ($5.23/sh); Apple Card reserve $2.2B

JPMORGAN CHASE & CO

2025-FY EPS reported $20.02 revenue$182,447,000,000

Q4 net income $13.0B ($4.63/sh) down from $14.0B ($4.81/sh) YoY; adjusted net income $14.7B ($5.23/sh) excluding $2.2B Apple Card reserve.
Managed revenue $46.8B; reported revenue $45.8B; expense $24.0B; credit costs $4.7B with $2.1B net reserve build.
Full-year 2025 net income $57.0B ($20.02/sh); ROE 17%; ROTCE 20%; CET1 ratio 14.5% (Std) and 14.1% (Adv).
Segment: CIB IB fees down 5% YoY, Markets up 17% (FICC +7%, Equities +40%); AWM AUM $4.8T (+18% YoY).
Capital actions: $4.1B common dividend ($1.50/sh); $7.9B net stock repurchases; TBV/share $107.56 (+11% YoY).

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.