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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. JPMorgan Chase's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.58.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, JPMorgan Chasecouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for JPMorgan Chase's Cash-to-Debt or its related term are showing as below:
XSWX:JPM'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.58 Med: 1.24 Max: 2.18
Current: 0.58
During the past 13 years, JPMorgan Chase's highest Cash to Debt Ratio was 2.18. The lowest was 0.58. And the median was 1.24.
XSWX:JPM's Cash-to-Debt is ranked worse than 71.62% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs XSWX:JPM: 0.58
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
JPMorgan Chase Cash-to-Debt Related Terms
JPMorgan Chase Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for JPMorgan Chase's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Diversified subindustry, JPMorgan Chase's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
JPMorgan Chase Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, JPMorgan Chase's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where JPMorgan Chase's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
JPMorgan Chase (XSWX:JPM) has a Cash-to-Debt of 0.58 as of Jun. 2026. This is 53% below median its historical median of 1.24. Over the past decade, JPMorgan Chase's Cash-to-Debt has ranged from 0.58 to 2.18. According to the industry distribution chart, JPMorgan Chase ranks #1070 out of 1494 companies in the Banks industry, placing it in the top 71.6%.
Is JPMorgan Chase's Cash-to-Debt too high?
JPMorgan Chase's current Cash-to-Debt of 0.58 is 53% below median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 2.18. The Banks industry median Cash-to-Debt is 1.38. JPMorgan Chase's value of 0.58 is 58% below this industry median. Based on the distribution chart, JPMorgan Chase ranks #1070 out of 1494 companies in the Banks industry, which is below the industry midpoint. Overall, JPMorgan Chase has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does JPMorgan Chase's Cash-to-Debt compare to BAC and WFC?
According to the Banks industry distribution chart, JPMorgan Chase ranks #1070 out of 1494 companies for Cash-to-Debt. This places JPMorgan Chase in the lower half of its industry. The industry median Cash-to-Debt is 1.38. JPMorgan Chase's value of 0.58 is 58% below this benchmark. Historically, JPMorgan Chase's own Cash-to-Debt has ranged from 0.58 to 2.18 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 1.38, JPMorgan Chase has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JPMorgan Chase's current Cash-to-Debt of 0.58 is 58% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JPMorgan Chase's current Cash-to-Debt is 0.58, which is 53% below median its own 10-year median of 1.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JPMorgan Chase stock overvalued right now?
JPMorgan Chase (XSWX:JPM) has a current Cash-to-Debt of 0.58. The stock's GF Value™ is CHF254.39, compared to a current price of CHF288.95 — trading 13.6% above its estimated fair value. The current Cash-to-Debt is 0.58, which is 53% below median its 10-year median of 1.24 and 58% below the Banks industry median of 1.38. JPMorgan Chase's overall GF Score™ is 83/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For JPMorgan Chase (XSWX:JPM), the current Cash-to-Debt is 0.58 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is JPMorgan Chase (XSWX:JPM) Overvalued in 2026?
Based on GuruFocus' analysis, JPMorgan Chase stock appears to be overvalued.
The current stock price of CHF288.95 is trading 13.6% above its estimated GF Value™ of CHF254.39.
Key valuation signals for XSWX:JPM:
Cash-to-Debt: 0.58 (53% below median its 10-year median of 1.24)
GF Value™: CHF254.39 vs. price of CHF288.95 (13.6% above fair value)
Industry Position: 58% below the Banks median (#1070 of 1494)
No single metric tells the full story. See the XSWX:JPM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JPMorgan is a leading global financial services firm with operations in 66 countries and over 318,000 employees as of year-end 2025. Under the JPMorgan brands, the bank holding company boasts a $4.9 trillion balance sheet and $2.68 trillion in deposits, as of March 2026. The firm generates its revenue across three core operating segments: consumer and community banking, the commercial and investment bank, and asset and wealth management. It maintains the top global ranking in investment banking fees with an 8.4% market share, serves millions of consumers through its network of over 5,000 US branches, and manages over $7.1 trillion in client assets within its wealth and asset management franchise.
83GF Score
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