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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Ebrahim Poonawala | Bank of America | 15 questions · 13% challenging |
| Erika Najarian | UBS | 15 questions · 27% challenging |
| John McDonald | Truist Securities | 15 questions · 7% challenging |
| Gerard Cassidy | RBC Capital Markets | 15 questions · 7% challenging |
| Mike Mayo | Wells Fargo | 13 questions · 38% challenging |
| Jim Mitchell | Seaport Research Partners | 13 questions · 8% challenging |
| Ken Usdin | Autonomous Research | 12 questions · 0% challenging |
| Glenn Schorr | Evercore ISI | 10 questions · 20% challenging |
| Matt O'Connor | Deutsche Bank | 10 questions · 20% challenging |
| Betsy Graseck | Morgan Stanley | 9 questions · 11% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| UBS | 1 analyst | 15 questions · 27% challenging |
| Bank of America | 1 analyst | 15 questions · 13% challenging |
| Truist Securities | 1 analyst | 15 questions · 7% challenging |
| RBC Capital Markets | 1 analyst | 15 questions · 7% challenging |
| Morgan Stanley | 2 analysts | 14 questions · 7% challenging |
| Seaport Research Partners | 1 analyst | 13 questions · 8% challenging |
| Wells Fargo | 1 analyst | 13 questions · 38% challenging |
| Autonomous Research | 1 analyst | 12 questions · 0% challenging |
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JPMorgan delivered an exceptional second quarter, reporting net income of $16.9 billion, GAAP EPS of $6.14, and a 23% ROTCE; excluding significant items, revenue rose 15% year-over-year (GAAP revenue +17.94% per company financials). The Corporate & Investment Bank drove results with revenue up 27%, IB fees up 30%, and equities markets revenue up 86%, while Asset & Wealth Management revenue grew 19% and Consumer & Community Banking grew 8%. Management raised its full-year NII ex-Markets outlook to about $96.5 billion and cut its expected card net charge-off rate to roughly 3.2%, while lifting the adjusted expense outlook to about $107.5 billion on revenue-driven costs. With adjusted expenses also up 15%, operating leverage was roughly neutral for the quarter, and management cautioned that the exceptional markets and investment banking activity may be difficult to repeat.
Demand | Competitive Dynamics | Credit | Regulation Policy | Macroeconomic | Capital Allocation | Margin | Innovation & R&D | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 3 | 1 | 2 | 4 | 4 | 2 | |
| 2025Q1 | 6 | 3 | 4 | 4 | 10 | 1 | 2 | |
| 2025Q2 | 10 | 9 | 3 | 4 | 2 | 4 | 4 | 3 |
| 2025Q3 | 4 | 4 | 6 | 3 | 2 | 2 | 3 | 1 |
| 2025Q4 | 6 | 4 | 3 | 7 | 1 | 2 | 3 | 3 |
| 2026Q1 | 5 | 5 | 7 | 4 | 3 | 5 | 2 | 3 |
| 2026Q2 | 2 | 1 | 1 | 1 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| Demand | 3 | 6 | 10 | 4 | 6 | 5 | 2 |
| Competitive Dynamics | 3 | 3 | 9 | 4 | 4 | 5 | 1 |
| Credit | 1 | 4 | 3 | 6 | 3 | 7 | 1 |
| Regulation Policy | 2 | 4 | 4 | 3 | 7 | 4 | |
| Macroeconomic | 4 | 10 | 2 | 2 | 1 | 3 | 1 |
| Capital Allocation | 4 | 1 | 4 | 2 | 2 | 5 | |
| Margin | 2 | 2 | 4 | 3 | 3 | 2 | 2 |
| Innovation & R&D | 3 | 1 | 3 | 3 |
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $67.01B | +8.2% | $4.81 | +58.2% | 20.9% |
| FY2025 Q1 | $68.91B | +4.0% | $5.07 | +14.2% | 21.3% |
| FY2025 Q2 | $69.91B | +3.1% | $5.24 | -14.4% | 21.4% |
| FY2025 Q3 | $71.90B | +3.2% | $5.07 | +16.0% | 20.0% |
| FY2025 Q4 | $69.61B | +3.9% | $4.63 | -3.7% | 18.7% |
| FY2026 Q1 | $73.66B | +6.9% | $5.94 | +17.2% | 22.4% |
| FY2026 Q2Selected | $82.46B | +17.9% | $6.14 | +17.2% | 25.7% |
| FY2026 Q3 | $76.19B | +6.0% | $5.57 | +9.9% | 20.1% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
Calendar quarter Q2 2026Earnings call Jul 14, 2026
FY2026 Q2 in brief
JPMorgan delivered an exceptional second quarter, reporting net income of $16.9 billion, GAAP EPS of $6.14, and a 23% ROTCE; excluding significant items, revenue rose 15% year-over-year (GAAP revenue +17.94% per company financials).
Newest quarter FY2026 Q3 is part of Pro · see what Pro adds →
GAAP revenue YoY +17.9% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for JPMorgan Chase & Co. (JPM), FY2026 Q2: 9/10. Scores: JPMorgan Chase & Co.’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: JPM daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
What JPM and other companies said about each other on FY2026 Q2 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“when I look at your business versus your best in class peers, Capital 1, Amex, their spending, I think, around $6 billion in marketing, Chase is in sort of that mid single digit billions in marketing.”
An analyst noted Chase (JPMorgan Chase) spends in the mid-single-digit billions on card marketing when benchmarking Citi's cards investment plans against peers.
“We've got the app arsenal, the Apple business at one point, which we have pretty high hopes for if we come up with better products and better services.”
Jamie Dimon cited the Apple partnership as a business line JPMorgan has high hopes for if it improves products and services.
“this will be offered to smaller competitors too, through Fiserv and FIS and other fintech companies.”
Jamie Dimon noted that AI-driven efficiency tools will eventually be available to JPMorgan's smaller bank competitors via technology vendors like FIS.
“this will be offered to smaller competitors too, through Fiserv and FIS and other fintech companies.”
Jamie Dimon noted that AI-driven efficiency tools will eventually be available to JPMorgan's smaller bank competitors via technology vendors like Fiserv.
“Not just Goldman Sachs, who's doing a great job, if you didn't read their numbers this morning, because I did, you've got Stripe and PayPal and Cash App and Block and Chime and SoFi and Revolut, and they're good.”
Jamie Dimon named Block (Cash App) among the fintech competitors JPMorgan must invest to keep up with.
“Not just Goldman Sachs, who's doing a great job, if you didn't read their numbers this morning, because I did, you've got Stripe and PayPal and Cash App and Block and Chime and SoFi and Revolut, and they're good.”
Jamie Dimon named PayPal among the fintech competitors JPMorgan must invest to keep up with.
“Not just Goldman Sachs, who's doing a great job, if you didn't read their numbers this morning, because I did, you've got Stripe and PayPal and Cash App and Block and Chime and SoFi and Revolut, and they're good.”
Jamie Dimon praised Goldman Sachs's same-day earnings release while listing the competitive landscape JPMorgan must keep pace with.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
JPM JPMorgan Chase & Co. | 9 | +17.9% | |
| BAC Bank of America | 10 | +5.8% | |
| C Citigroup | 8 | +14.0% | |
| WFC Wells Fargo | 8 | +11.3% |