JPMorgan Chase & Co. (JPM) 10-K Red Flags
Risk signals extracted deterministically from JPMorgan Chase & Co.’s SEC 10-K/10-Q XBRL filings — no LLM, every finding cites the underlying data.
Detected red flags (9)
- Earnings-cash flow divergence: Net income grew +31.5% while operating cash flow declined -87.9%. This divergence may indicate accrual-based earnings inflation — non-cash gains, aggressive revenue recognition, or working capital absorption. The accrual ratio (NI − OCF) is deteriorating.
- NEW: Going concern doubt in latest filing: The term "going concern" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 9 filing(s).
- Material weakness in internal controls: The term "material weakness" appears in 22 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Endogenous analysis: "Material weakness in internal controls" combined with earnings-cash flow divergence is especially concerning — it suggests the reported earnings may not be reliable due to control deficiencies, and the cash flow shortfall may be masking underlying issues.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 1 new risk-language term(s) detected in filing text: Going concern doubt.
- Ongoing high-severity risk language: Material weakness in internal controls.
- Earnings-cash flow divergence: Net income grew +31.5% while operating cash flow declined -87.9%. This divergence may indicate accrual-based earnings inflation — non-cash gains, aggressive revenue recognition, or working capital absorption. The accrual ratio (NI − OCF) is deteriorating.
- NEW: Going concern doubt in latest filing: The term "going concern" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 9 filing(s).
Filings & ownership
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
Full JPM analyst report
Valuation (DCF & Graham), technicals, macro exposure, risk scorecard and 13F/13D ownership.
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