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JEFFERSON CAPITAL INC (JCAP) Stock Fundamental Analysis

USA - NASDAQ:JCAP - US47248R1032 - Common Stock

20.78 USD
+0.54 (+2.67%)
Last: 11/13/2025, 4:30:02 PM
20.78 USD
0 (0%)
After Hours: 11/13/2025, 4:30:02 PM
Fundamental Rating

3

Overall JCAP gets a fundamental rating of 3 out of 10. We evaluated JCAP against 55 industry peers in the Consumer Finance industry. The financial health of JCAP is average, but there are quite some concerns on its profitability. JCAP has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year JCAP has reported negative net income.
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 2024 -2K -4K -6K -8K -10K

1.2 Ratios

JCAP's Return On Assets of 0.00% is on the low side compared to the rest of the industry. JCAP is outperformed by 72.73% of its industry peers.
JCAP has a Return On Equity of 0.00%. This is in the lower half of the industry: JCAP underperforms 72.73% of its industry peers.
Industry RankSector Rank
ROA 0%
ROE 0%
ROIC 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
JCAP Yearly ROA, ROE, ROICJCAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2024 0 100 -100 -200 -300

1.3 Margins

JCAP does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/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
JCAP Yearly Profit, Operating, Gross MarginsJCAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2024

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5

2. Health

2.1 Basic Checks

JCAP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
JCAP Yearly Shares OutstandingJCAP Yearly Shares OutstandingYearly Shares Outstanding 2024 20M 40M 60M
JCAP Yearly Total Debt VS Total AssetsJCAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2024 500 1K 1.5K 2K 2.5K

2.2 Solvency

JCAP has an Altman-Z score of 1.99. 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.
With a decent Altman-Z score value of 1.99, JCAP is doing good in the industry, outperforming 74.55% of the companies in the same industry.
JCAP has a Debt/Equity ratio of 2.88. This is a high value indicating a heavy dependency on external financing.
JCAP's Debt to Equity ratio of 2.88 is in line compared to the rest of the industry. JCAP outperforms 49.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.88
Debt/FCF N/A
Altman-Z 1.99
ROIC/WACCN/A
WACCN/A
JCAP Yearly LT Debt VS Equity VS FCFJCAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2024 -2K -4K -6K -8K

2.3 Liquidity

A Current Ratio of 22.06 indicates that JCAP has no problem at all paying its short term obligations.
JCAP has a better Current ratio (22.06) than 98.18% of its industry peers.
JCAP has a Quick Ratio of 22.06. This indicates that JCAP is financially healthy and has no problem in meeting its short term obligations.
JCAP's Quick ratio of 22.06 is amongst the best of the industry. JCAP outperforms 98.18% of its industry peers.
Industry RankSector Rank
Current Ratio 22.06
Quick Ratio 22.06
JCAP Yearly Current Assets VS Current LiabilitesJCAP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2024 2K 4K 6K 8K 10K

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1

3. Growth

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
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 very strong growth in Earnings Per Share. The EPS will grow by 2897.41% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y3199503.4%
EPS Next 2Y15890.63%
EPS Next 3Y2897.41%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
JCAP Yearly Revenue VS EstimatesJCAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Forward Earnings ratio of 8.13 indicates a reasonable valuation of JCAP.
65.45% of the companies in the same industry are more expensive than JCAP, based on the Price/Forward Earnings ratio.
JCAP is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 8.13
JCAP Price Earnings VS Forward Price EarningsJCAP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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.
JCAP's earnings are expected to grow with 2897.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15890.63%
EPS Next 3Y2897.41%

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5

5. Dividend

5.1 Amount

JCAP has a Yearly Dividend Yield of 4.97%, which is a nice return.
JCAP's Dividend Yield is a higher than the industry average which is at 4.74.
JCAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 4.97%

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 2015 2016 2017 2018 2019 2020 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DPN/A
EPS Next 2Y15890.63%
EPS Next 3Y2897.41%
JCAP Yearly Income VS Free CF VS DividendJCAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2024 -2K -4K -6K -8K

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JEFFERSON CAPITAL INC

NASDAQ:JCAP (11/13/2025, 4:30:02 PM)

After market: 20.78 0 (0%)

20.78

+0.54 (+2.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-19 2025-08-19/amc
Earnings (Next)11-13 2025-11-13/amc
Inst Owners16.97%
Inst Owner Change5.82%
Ins Owners11.59%
Ins Owner Change66.42%
Market Cap1.21B
Revenue(TTM)N/A
Net Income(TTM)-8.10K
Analysts83.64
Price Target24.48 (17.81%)
Short Float %7.06%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 4.97%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date08-25 2025-08-25 (0.24)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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%
PT rev (3m)N/A
EPS NQ rev (1m)1.64%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.21%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.13
P/S N/A
P/FCF N/A
P/OCF N/A
P/B 2.95
P/tB 3.51
EV/EBITDA N/A
EPS(TTM)0
EYN/A
EPS(NY)2.56
Fwd EY12.3%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0
BVpS7.05
TBVpS5.91
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0%
ROE 0%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
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
Health
Industry RankSector Rank
Debt/Equity 2.88
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 22.06
Quick Ratio 22.06
Altman-Z 1.99
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
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)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y3199503.4%
EPS Next 2Y15890.63%
EPS Next 3Y2897.41%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year3192440%
EBIT Next 3Y3085.8%
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 3 / 10 to JCAP.


What is the valuation status of JEFFERSON CAPITAL INC (JCAP) stock?

ChartMill assigns a valuation rating of 4 / 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 0 / 10.


Can you provide the financial health for JCAP stock?

The financial health rating of JEFFERSON CAPITAL INC (JCAP) is 5 / 10.


What is the expected EPS growth for JEFFERSON CAPITAL INC (JCAP) stock?

The Earnings per Share (EPS) of JEFFERSON CAPITAL INC (JCAP) is expected to grow by 3199503.4% in the next year.