QualityDipStocks / Finance · Finance Companies
Jefferson Capital JCAP
Outside our quality screen, so we don’t track its dips. It’s 15% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- $20.46price −1%
- Off 52-wk high
- −15%
- Risk vs market
- Below marketbeta 0.71
52-week range 56% of the way from its 52-week low to its high
Price $20.28Market Value $20.46
5 bullish · 4 bearish See why
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 10.4×; 52-wk low: P/E 6.2×; now: P/E 9.3×.
| High | Low | Now | |
|---|---|---|---|
| Price | $24.00Aug 14 | $15.52Jun 3 | $20.28 |
| P/E | 10.4× | 6.2× | 9.3× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for JCAP: returns on book are very high (34% a year, above the 30% our model allows), which means most of the value sits in a fee or brand business that book value doesn't capture. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much JCAP moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves a bit less than the market, but its own price swings are 2.8× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.71
- Volatility
- 36% vs 13% SPY
- Correlation SPY
- 0.26
- Correlation QQQ
- 0.14
Valuation details
MV $20.46
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
GrowthSales compounded 38% a year from FY2023 to FY2025.
Cash returnsDividend yield of 5.1% ($61M paid over 12 months, 47% of earnings).
ValuationP/E of 9.3× vs a 13.3× median for the 364 Finance companies we cover.
GrowthSales grew 23% to $660M over the last 12 months vs the 12 months before (SEC filings).
ProfitabilityReturn on equity of 29% over the last 12 months.
Top bearish points 4 of 5
ValuationPrice / book of 2.5×, above the 1.6× median for the 368 Finance companies we cover.
ProfitabilityNet margin of 19%, below the 22% median for the 350 Finance companies we cover.
QualityDoesn’t pass our quality screen: net debt 3.6× EBITDA (limit 3×).
RiskReports earnings Nov 12 (consensus EPS $0.56): results can move the price sharply and reset Market Value.
All fundamentals
P/E 9.3 · ROE 29% · Sales +23%
Valuation
- P/E
- 9.3×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- 1.82×
- Price / book
- 2.52×
- Market cap
- $1.2Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $660M
- Sales growth, 12 months
- +22.8%vs the 12 months before
- Sales growth, 3 yrs
- +37.8%/yrfrom FY2023
- Diluted EPS, 12 months
- −$71.34
- EPS growth, last FY
- n/afewer than two years of diluted EPS
- Net income, 12 months
- $128M
- Net income growth
- −27%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- 45.8%
- Net margin
- 19.5%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 29%
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- $20M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 5.05%$61M paid
- Payout ratio
- 47%
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- $34M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Jefferson Capital’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $-0.1B · Sales +12%
- Free cash flow, 12 months−$0.1B
- Free-cash-flow yield−10.8%
- Free-cash-flow margin−20%
- Gross margin75%
- Operating margin61%
- Return on invested capital17%
- Return on equity35%
- Sales growth (latest quarter vs year-ago quarter)+12%
- Net debt / EBITDA3.6×
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $20.28
- 52-wk lowlowest close, 1 year$15.52−23.5%
- PriceMon Nov 2 close$20.28you are here
- Market Valueavg paid since Aug 21$20.46+0.9%
- 52-wk highhighest close, 1 year$24.00+18.3%
Momentum & 52-week range
RSI 51 · 5 days +0.7%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 12
- DateThu Nov 12, after the close
- Consensus EPS$0.56
- Year-ago EPS$0.74
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
JCAP is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Jefferson Capital in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Finance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.