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Every square matrix satisfies its own characteristic polynomial. More explicitly, for an $n$-by-$n$ matrix $A$ over a commutative ring with identity, formThenHere $0$ is the zero matrix, and the constant term multiplies the identity matrix. This is a polynomial evaluated at a matrix; it is stronger than saying that each eigenvalue is a root of a polynomial. Neither diagonalizability nor distinct eigenvalues is required.^[ref]

The practical payoff is that arbitrarily high matrix powers can be reduced to a combination of $I,A,\dots ,A^{n-1}$. These powers arise when repeatedly applying a linear map, solving a linear recurrence relation, or evolving a finite state space model. The characteristic polynomial turns that repeated action into a fixed-order scalar recurrence. The minimal polynomial may reduce the number of required powers further.

Consider the real matrixThe Cayley-Hamilton theorem gives $A^2=3A-I$. ConsequentlyThusAll four entries come from just two scalar coefficients. If $A^n=a_{n}A+b_{n}I$, multiplying once by $A$ and replacing $A^2$ gives the linear recurrence relationEquivalently $a_{n+2}=3a_{n+1}-a_n$, with $a_0=0,a_1=1$. The appearance of Fibonacci numbers is explained by $A=Q^2$, where $Q=\left(\begin{array}{cc}1& 1\\ 1& 0\end{array}\right)$ advances the Fibonacci recurrence. No eigenvectors need to be computed.

The same identity computes an inverse. Rearrange it as $A(3I-A)=I$, givingThis works because the constant term of this characteristic polynomial is nonzero and the coefficients lie in a field. Generally, when $c_0\ne 0$ over a field, rearranging the Cayley-Hamilton theorem expresses $A^{-1}$ as a polynomial evaluated at a matrix. Over a general commutative ring, a nonzero constant need not be a unit; invertibility requires that extra condition.