JEFFERSON CAPITAL INC (JCAP) Fundamental Analysis & Valuation

NASDAQ:JCAP • US47248R1032

Current stock price

19.14 USD
-0.33 (-1.69%)
At close:
19.14 USD
0 (0%)
After Hours:

This JCAP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. JCAP Profitability Analysis

1.1 Basic Checks

  • JCAP had positive earnings in the past year.
JCAP Yearly Net Income VS EBIT VS OCF VS FCFJCAP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

  • JCAP has a better Return On Assets (7.15%) than 77.78% of its industry peers.
  • JCAP's Return On Equity of 29.47% is amongst the best of the industry. JCAP outperforms 85.19% of its industry peers.
  • JCAP has a better Return On Invested Capital (10.45%) than 79.63% of its industry peers.
Industry RankSector Rank
ROA 7.15%
ROE 29.47%
ROIC 10.45%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
JCAP Yearly ROA, ROE, ROICJCAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 10 20 30

1.3 Margins

  • JCAP's Profit Margin of 29.74% is amongst the best of the industry. JCAP outperforms 83.33% of its industry peers.
  • Looking at the Operating Margin, with a value of 52.62%, JCAP belongs to the top of the industry, outperforming 98.15% of the companies in the same industry.
  • JCAP has a Gross Margin of 69.80%. This is in the better half of the industry: JCAP outperforms 64.81% of its industry peers.
Industry RankSector Rank
OM 52.62%
PM (TTM) 29.74%
GM 69.8%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
JCAP Yearly Profit, Operating, Gross MarginsJCAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 20 40 60

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5

2. JCAP Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so JCAP is still creating some value.
  • Compared to 1 year ago, JCAP has about the same amount of shares outstanding.
  • JCAP has a worse debt/assets ratio than last year.
JCAP Yearly Shares OutstandingJCAP Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 20M 40M 60M
JCAP Yearly Total Debt VS Total AssetsJCAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 500M 1B 1.5B

2.2 Solvency

  • JCAP has an Altman-Z score of 2.60. This is not the best score and indicates that JCAP is in the grey zone with still only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.60, JCAP belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
  • A Debt/Equity ratio of 2.70 is on the high side and indicates that JCAP has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.70, JCAP is in line with its industry, outperforming 46.30% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z 2.6
ROIC/WACC1.41
WACC7.39%
JCAP Yearly LT Debt VS Equity VS FCFJCAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 21.59 indicates that JCAP has no problem at all paying its short term obligations.
  • JCAP's Current ratio of 21.59 is amongst the best of the industry. JCAP outperforms 98.15% of its industry peers.
  • A Quick Ratio of 21.59 indicates that JCAP has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 21.59, JCAP belongs to the top of the industry, outperforming 98.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 21.59
Quick Ratio 21.59
JCAP Yearly Current Assets VS Current LiabilitesJCAP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. JCAP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.58% over the past year.
  • JCAP shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.13%.
EPS 1Y (TTM)15.58%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)34.13%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • Based on estimates for the next years, JCAP will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.76% on average per year.
  • The Revenue is expected to grow by 18.95% on average over the next years. This is quite good.
EPS Next Y63.87%
EPS Next 2Y19.98%
EPS Next 3Y13.76%
EPS Next 5YN/A
Revenue Next Year43.71%
Revenue Next 2Y26.72%
Revenue Next 3Y18.95%
Revenue Next 5YN/A

3.3 Evolution

JCAP Yearly Revenue VS EstimatesJCAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 200M 400M 600M
JCAP Yearly EPS VS EstimatesJCAP Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 1 2 3

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6

4. JCAP Valuation Analysis

4.1 Price/Earnings Ratio

  • JCAP is valuated reasonably with a Price/Earnings ratio of 9.62.
  • JCAP's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of JCAP to the average of the S&P500 Index (25.23), we can say JCAP is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.69, which indicates a rather cheap valuation of JCAP.
  • JCAP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. JCAP is cheaper than 75.93% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.51, JCAP is valued rather cheaply.
Industry RankSector Rank
PE 9.62
Fwd PE 6.69
JCAP Price Earnings VS Forward Price EarningsJCAP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, JCAP is valued a bit cheaper than 74.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.36
JCAP Per share dataJCAP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • JCAP's earnings are expected to grow with 13.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y19.98%
EPS Next 3Y13.76%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. JCAP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.74%, JCAP is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.36, JCAP pays a bit more dividend than its industry peers.
  • JCAP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 4.74%

5.2 History

  • JCAP has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
JCAP Yearly Dividends per shareJCAP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DPN/A
EPS Next 2Y19.98%
EPS Next 3Y13.76%
JCAP Yearly Income VS Free CF VS DividendJCAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 50M 100M 150M

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JCAP Fundamentals: All Metrics, Ratios and Statistics

JEFFERSON CAPITAL INC

NASDAQ:JCAP (3/26/2026, 8:00:02 PM)

After market: 19.14 0 (0%)

19.14

-0.33 (-1.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)N/A
Inst Owners20.57%
Inst Owner Change-1.82%
Ins Owners8.94%
Ins Owner Change-7.26%
Market Cap1.06B
Revenue(TTM)433.34M
Net Income(TTM)128.89M
Analysts84.62
Price Target27.54 (43.89%)
Short Float %3.91%
Short Ratio1.02
Dividend
Industry RankSector Rank
Dividend Yield 4.74%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.54%
Min EPS beat(2)14.07%
Max EPS beat(2)17.01%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.35%
Min Revenue beat(2)-0.16%
Max Revenue beat(2)0.86%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.62%
PT rev (3m)0.75%
EPS NQ rev (1m)0.61%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)-9.1%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 9.62
Fwd PE 6.69
P/S 2.44
P/FCF N/A
P/OCF N/A
P/B 2.42
P/tB 2.85
EV/EBITDA 9.36
EPS(TTM)1.99
EY10.4%
EPS(NY)2.86
Fwd EY14.96%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.83
BVpS7.9
TBVpS6.73
PEG (NY)0.15
PEG (5Y)N/A
Graham Number18.81
Profitability
Industry RankSector Rank
ROA 7.15%
ROE 29.47%
ROCE 13.23%
ROIC 10.45%
ROICexc 10.71%
ROICexgc 11.25%
OM 52.62%
PM (TTM) 29.74%
GM 69.8%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Debt/EBITDA 5.04
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 21.59
Quick Ratio 21.59
Altman-Z 2.6
F-ScoreN/A
WACC7.39%
ROIC/WACC1.41
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.58%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y63.87%
EPS Next 2Y19.98%
EPS Next 3Y13.76%
EPS Next 5YN/A
Revenue 1Y (TTM)34.13%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year43.71%
Revenue Next 2Y26.72%
Revenue Next 3Y18.95%
Revenue Next 5YN/A
EBIT growth 1Y38.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year54.26%
EBIT Next 3Y16.24%
EBIT Next 5YN/A
FCF growth 1Y36.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y39.92%
OCF growth 3YN/A
OCF growth 5YN/A

JEFFERSON CAPITAL INC / JCAP Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for JEFFERSON CAPITAL INC?

ChartMill assigns a fundamental rating of 5 / 10 to JCAP.


What is the valuation status for JCAP stock?

ChartMill assigns a valuation rating of 6 / 10 to JEFFERSON CAPITAL INC (JCAP). This can be considered as Fairly Valued.


What is the profitability of JCAP stock?

JEFFERSON CAPITAL INC (JCAP) has a profitability rating of 4 / 10.


What is the valuation of JEFFERSON CAPITAL INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for JEFFERSON CAPITAL INC (JCAP) is 9.62 and the Price/Book (PB) ratio is 2.42.