JPMorgan Q4 2025 Financial Results and Impact of Apple Deal on Earnings

JPMorgan reported its Q4 2025 financial results with revenue of USD 45,798 million, surpassing estimates. Net interest income reached USD 25,100 million, and net income was USD 13,025 million, reflecting a 7% decline. Adjusted EPS was USD 5.23, beating estimates. The decline in net income was partly due to a $2.2 billion credit reserve linked to its new credit card issuer deal with Apple, which reduced earnings per share by 60 cents. Excluding the Apple deal, profits rose to $14.7 billion. Investment banking fees fell 5% year-over-year, contributing to a 3% drop in JPMorgan's shares. CFO Jeremy Barnum warned about the impact of a proposed 10% cap on credit-card interest rates. CEO Jamie Dimon cautioned against undermining Fed independence. US stock markets showed little change as investors digested December's softer-than-expected inflation data and initial Q4 earnings reports, including JPMorgan's results.

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- 非一般股民非一般股民
  ·01-16 21:36
  JP
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- koolgalkoolgal
  ·01-15 13:52
  🌟🌟🌟Sometimes the market doesn't fall because the numbers are bad. It falls because of bad news. That is exactly what happened with $JPMorgan Chase(JPM)$ Q4 25 earnings. JPMorgan actually delivered strong results : USD 13 billion in net income. USD 46.8 billion in revenue, up YoY. Trading revenue beats analysts expectations. JPMorgan is not a weak bank. This is US's largest bank with rock solid balance sheet. Why did JPMorgan fall? Even though results beat expectations profit declined from last year. JPMorgan absorbed a charge tied to Apple Card loan portfolio takeover. Credit costs rose to USD 4.7 billion including reserve builds.Markets see this as a warning as consumers are starting to strain. I believe the single
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- 非一般股民非一般股民
  ·01-16 21:36
  JP
  25 Comment
  Like
  Share
  Report
- koolgalkoolgal
  ·01-15 13:52
  🌟🌟🌟Sometimes the market doesn't fall because the numbers are bad. It falls because of bad news. That is exactly what happened with $JPMorgan Chase(JPM)$ Q4 25 earnings. JPMorgan actually delivered strong results : USD 13 billion in net income. USD 46.8 billion in revenue, up YoY. Trading revenue beats analysts expectations. JPMorgan is not a weak bank. This is US's largest bank with rock solid balance sheet. Why did JPMorgan fall? Even though results beat expectations profit declined from last year. JPMorgan absorbed a charge tied to Apple Card loan portfolio takeover. Credit costs rose to USD 4.7 billion including reserve builds.Markets see this as a warning as consumers are starting to strain. I believe the single
  1.49K 18
  22
  Share
  Report