22.21 USD
-0.42 (-1.86%)
22.21 USD
0 (0%)
Taking everything into account, JCAP scores 5 out of 10 in our fundamental rating. JCAP was compared to 53 industry peers in the Consumer Finance industry. JCAP has an average financial health and profitability rating. JCAP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- JCAP had positive earnings in the past year.
1.2 Ratios
- The Return On Assets of JCAP (7.15%) is better than 79.63% of its industry peers.
- The Return On Equity of JCAP (29.47%) is better than 88.89% of its industry peers.
- JCAP's Return On Invested Capital of 10.45% is fine compared to the rest of the industry. JCAP outperforms 75.93% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With an excellent Profit Margin value of 29.74%, JCAP belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
- 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.
- With a decent Gross Margin value of 69.80%, JCAP is doing good in the industry, outperforming 64.81% of the companies in the same industry.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), JCAP is creating some value.
- JCAP has about the same amout of shares outstanding than it did 1 year ago.
- JCAP has a worse debt/assets ratio than last year.
2.2 Solvency
- JCAP has an Altman-Z score of 2.70. 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 2.70, JCAP belongs to the top of the industry, outperforming 85.19% 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.
- JCAP has a Debt to Equity ratio (2.70) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.7 |
ROIC/WACC1.36
WACC7.7%
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.
- Looking at the Current ratio, with a value of 21.59, JCAP belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
- JCAP has a Quick Ratio of 21.59. This indicates that JCAP is financially healthy and has no problem in meeting its short term obligations.
- The Quick ratio of JCAP (21.59) is better than 96.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 21.59 | ||
| Quick Ratio | 21.59 |
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
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.16, the valuation of JCAP can be described as reasonable.
- JCAP's Price/Earnings ratio is in line with the industry average.
- JCAP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- A Price/Forward Earnings ratio of 7.83 indicates a rather cheap valuation of JCAP.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of JCAP indicates a somewhat cheap valuation: JCAP is cheaper than 70.37% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of JCAP to the average of the S&P500 Index (25.98), we can say JCAP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 7.83 |
4.2 Price Multiples
- 70.37% of the companies in the same industry are more expensive than JCAP, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.37 |
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.
- JCAP's earnings are expected to grow with 13.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3Y13.66%
5. Dividend
5.1 Amount
- JCAP has a Yearly Dividend Yield of 4.24%, which is a nice return.
- JCAP's Dividend Yield is a higher than the industry average which is at 2.63.
- JCAP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y19.46%
EPS Next 3Y13.66%
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 11.16 and the Price/Book (PB) ratio is 2.96.