JEFFERSON CAPITAL INC (JCAP) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:JCAP • US47248R1032

20.83 USD
-0.49 (-2.3%)
Last: Feb 5, 2026, 01:41 PM
Fundamental Rating

5

JCAP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. JCAP has an average financial health and profitability rating. JCAP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

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 2023 2024 50M 100M 150M 200M

1.2 Ratios

  • With a decent Return On Assets value of 7.15%, JCAP is doing good in the industry, outperforming 79.63% of the companies in the same industry.
  • The Return On Equity of JCAP (29.47%) is better than 88.89% of its industry peers.
  • JCAP has a Return On Invested Capital of 10.45%. This is in the better half of the industry: JCAP outperforms 77.78% 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 2023 2024 10 20 30

1.3 Margins

  • JCAP has a better Profit Margin (29.74%) than 85.19% of its industry peers.
  • JCAP has a Operating Margin of 52.62%. This is amongst the best in the industry. JCAP outperforms 98.15% of its industry peers.
  • The Gross Margin of JCAP (69.80%) is better than 66.67% 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 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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.
  • The number of shares outstanding for JCAP remains at a similar level compared to 1 year ago.
  • 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

  • An Altman-Z score of 2.68 indicates that JCAP is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of JCAP (2.68) is better than 83.33% of its industry peers.
  • A Debt/Equity ratio of 2.70 is on the high side and indicates that JCAP has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.70, JCAP perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z 2.68
ROIC/WACC1.36
WACC7.67%
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

  • JCAP has a Current Ratio of 21.59. This indicates that JCAP is financially healthy and has no problem in meeting its short term obligations.
  • JCAP has a better Current ratio (21.59) than 96.30% of its industry peers.
  • A Quick Ratio of 21.59 indicates that JCAP has no problem at all paying its short term obligations.
  • The Quick ratio of JCAP (21.59) is better than 96.30% of its industry peers.
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. Growth

3.1 Past

  • JCAP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.58%, which is quite good.
  • 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

  • JCAP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.66% yearly.
  • The Revenue is expected to grow by 18.91% on average over the next years. This is quite good.
EPS Next Y63.96%
EPS Next 2Y19.46%
EPS Next 3Y13.66%
EPS Next 5YN/A
Revenue Next Year43.61%
Revenue Next 2Y26.51%
Revenue Next 3Y18.91%
Revenue Next 5YN/A

3.3 Evolution

JCAP Yearly Revenue VS EstimatesJCAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.47, the valuation of JCAP can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as JCAP.
  • The average S&P500 Price/Earnings ratio is at 28.25. JCAP is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.34, the valuation of JCAP can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, JCAP is valued a bit cheaper than the industry average as 74.07% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.50. JCAP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.47
Fwd PE 7.34
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

  • 72.22% of the companies in the same industry are more expensive than JCAP, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.15
JCAP Per share dataJCAP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • JCAP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as JCAP's earnings are expected to grow with 13.66% in the coming years.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3Y13.66%

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

5

5. Dividend

5.1 Amount

  • JCAP has a Yearly Dividend Yield of 4.52%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.67, 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 1.82.
Industry RankSector Rank
Dividend Yield 4.52%

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 2Y19.46%
EPS Next 3Y13.66%
JCAP Yearly Income VS Free CF VS DividendJCAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2023 2024 50M 100M 150M

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JEFFERSON CAPITAL INC

NASDAQ:JCAP (2/5/2026, 1:41:54 PM)

20.83

-0.49 (-2.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)N/A
Inst Owners21.22%
Inst Owner Change-0.59%
Ins Owners11.59%
Ins Owner Change-7.26%
Market Cap1.21B
Revenue(TTM)433.34M
Net Income(TTM)128.89M
Analysts85
Price Target27.37 (31.4%)
Short Float %2.77%
Short Ratio0.7
Dividend
Industry RankSector Rank
Dividend Yield 4.52%
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)0.12%
PT rev (3m)11.81%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)5.88%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)1.91%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)2.56%
Revenue NY rev (1m)-0.7%
Revenue NY rev (3m)0.92%
Valuation
Industry RankSector Rank
PE 10.47
Fwd PE 7.34
P/S 2.8
P/FCF N/A
P/OCF N/A
P/B 2.78
P/tB 3.26
EV/EBITDA 10.15
EPS(TTM)1.99
EY9.55%
EPS(NY)2.84
Fwd EY13.63%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.43
BVpS7.5
TBVpS6.39
PEG (NY)0.16
PEG (5Y)N/A
Graham Number18.33
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 2.68
F-ScoreN/A
WACC7.67%
ROIC/WACC1.36
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 Y63.96%
EPS Next 2Y19.46%
EPS Next 3Y13.66%
EPS Next 5YN/A
Revenue 1Y (TTM)34.13%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year43.61%
Revenue Next 2Y26.51%
Revenue Next 3Y18.91%
Revenue Next 5YN/A
EBIT growth 1Y38.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year54.64%
EBIT Next 3Y15.83%
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 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 10.47 and the Price/Book (PB) ratio is 2.78.