JPMorgan 4Q25 net income $13.0B ($4.63 EPS); 2026 NII ex Markets guidance ~$95B

JPMORGAN CHASE & CO

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

Net income of $13.0B ($4.63 diluted EPS); excluding $2.2B Apple card reserve, EPS was $5.23.
Managed revenue $46.8B, up 7% YoY; NII ex Markets $23.9B, up 4% YoY; Markets revenue $8.2B, up 17%.
Credit costs $4.7B include $2.2B reserve for Apple card portfolio forward purchase commitment.
FY2025 net income $57.0B ($20.02 EPS), down 2% vs 2024; revenue $185.6B, up 3%.
2026 guidance: NII ex Markets ~$95B, adjusted expense ~$105B, Card Services NCO rate ~3.4%.

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