JCAP
NEUTRAL
$20.01
Live
Jefferson Capital, Inc. · NASDAQ
Target $26.2
(+30.9%)
$15.98
52W Range
$23.8
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$1.11B
P/E
3.55
ROE
43.8%
Profit margin
31.0%
Debt/Equity
2.97
Dividend yield
4.8%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
JCAP presents a stark contrast between deep fundamental value and alarming insider behavior. While the Piotroski F-Score of 4/9 indicates stable health and the stock trades at a significant discount to its Graham Number ($32.19) and Intrinsic Value ($39.48), the technical trend is completely bearish. The company boasts an exceptional ROE of 43.78% and a very low P/E of 3.55, but these are overshadowed by massive insider selling totaling over $223M. Consequently, the valuation appeal is tempered by a lack of internal confidence and poor earnings surprise history.
Key Strengths
Extreme valuation discount with a P/E of 3.55
High profitability with ROE at 43.78% and Profit Margin at 30.95%
Strong top-line growth with 27.7% YoY revenue increase
Highly sustainable dividend with a very low payout ratio of 8.51%
Strong short-term liquidity indicated by a Current Ratio of 5.05
Key Risks
Massive insider liquidation ($223.81M) including CEO and 10%+ owners
Bearish technical trend (0/100 score)
High leverage with a Debt/Equity ratio of 2.97
Poor earnings track record, beating estimates in only 1 of the last 4 quarters
Mediocre Piotroski F-Score (4/9) suggesting only stable, not strong, financial health
AI Fair Value Estimate
Based on comprehensive analysis
$30.84
+54.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
73
Strong
95
75
60
50
85
AI Verdict
Value Trap Warning
Key drivers: Deep valuation discount, Strong ROE, Severe insider selling, Bearish technicals
Confidence
85%
Value
95/100
Ref P/E 3.55, Graham Number $32.19
Positives
- P/E of 3.55 is far below sector average
- Price is ~38% below Graham Number
Watchpoints
- Market is pricing in significant risk despite low multiples
Future
75/100
Ref Growth rates and Earnings Surprise
Positives
- Strong YoY revenue growth (27.7%)
- Positive Q/Q earnings growth (40%)
Watchpoints
- Consistent failure to meet analyst earnings estimates
Past
60/100
Ref Historical trends and Earnings track record
Positives
- Steady 1Y and 6M price appreciation
Watchpoints
- Recent 1M price decline
- Poor earnings beat ratio (25%)
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- High current and quick ratios
Watchpoints
- Piotroski F-Score of 4/9 is only mediocre
- High Debt/Equity ratio of 2.97
Dividend
85/100
Ref Yield 4.8%, Payout 8.51%
Positives
- Healthy 4.8% yield
- Extremely low payout ratio (8.51%)
Watchpoints
- Dividend strength score is only 55/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$20.01
Analyst Target
$26.2
Upside/Downside
+30.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for JCAP and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
JCAP
Jefferson Capital, Inc.
Primary
|
+11.9% | +11.9% | +11.9% | +17.2% | -2.5% | +3.0% |
|
BITF
Bitfarms Ltd.
Peer
|
-63.7% | +89.7% | +133.5% | -34.8% | -16.4% | -20.4% |
|
IGIC
International General Insurance Holdings Ltd.
Peer
|
+365.1% | +265.7% | +14.2% | +22.1% | +13.1% | +2.3% |
|
HFWA
Heritage Financial Corporation
Peer
|
+16.1% | +53.8% | +35.4% | +22.3% | +8.2% | +4.6% |
|
ASST
Strive Asset Management, LLC
Peer
|
-95.1% | -95.1% | -17.8% | -78.9% | +1.0% | -8.1% |
JCA
Jefferson Capital, Inc.
Primary
5Y
+11.9%
3Y
+11.9%
1Y
+11.9%
6M
+17.2%
1M
-2.5%
1W
+3.0%
BIT
Bitfarms Ltd.
Peer
5Y
-63.7%
3Y
+89.7%
1Y
+133.5%
6M
-34.8%
1M
-16.4%
1W
-20.4%
IGI
International General Insurance Holdings Ltd.
Peer
5Y
+365.1%
3Y
+265.7%
1Y
+14.2%
6M
+22.1%
1M
+13.1%
1W
+2.3%
HFW
Heritage Financial Corporation
Peer
5Y
+16.1%
3Y
+53.8%
1Y
+35.4%
6M
+22.3%
1M
+8.2%
1W
+4.6%
ASS
Strive Asset Management, LLC
Peer
5Y
-95.1%
3Y
-95.1%
1Y
-17.8%
6M
-78.9%
1M
+1.0%
1W
-8.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
3.55
Forward P/E
6.97
PEG Ratio
N/A
P/B Ratio
2.45
P/S Ratio
1.82
EV/Revenue
4.11
EV/EBITDA
6.44
Market Cap
$1.11B
Profitability
Profit margins and return metrics
Profit Margin
30.95%
Operating Margin
105.75%
Gross Margin
78.13%
ROE
43.78%
ROA
12.78%
Growth
Revenue and earnings growth rates
Revenue Growth
+27.7%
Earnings Growth
N/A
Q/Q Revenue Growth
+30.15%
Q/Q Earnings Growth
+40.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
2.97
High debt
Current Ratio
5.05
Strong
Quick Ratio
4.98
Excellent
Cash/Share
$0.42
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Gross Margin
69.4%
Op. Margin
28.5%
Net Margin
24.4%
Total Assets
$2.1B
Liabilities
$1.6B
Equity
$0.5B
Debt/Equity
3.38x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-03-12
$0.69
+4.2% surprise
2025-11-13
$0.59
-9.7% surprise
2025-08-14
$0.81
-2.4% surprise
Financial Services Sector Comparison
Comparing JCAP against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
P/E Ratio
3.55
This Stock
vs
52.08
Sector Avg
-93.2%
(Discount)
Return on Equity (ROE)
43.78%
This Stock
vs
-0.05%
Sector Avg
-83855.0%
(Below Avg)
Profit Margin
30.95%
This Stock
vs
66.07%
Sector Avg
-53.2%
(Weaker)
Debt to Equity
2.97
This Stock
vs
1.34
Sector Avg
+121.0%
(Higher)
Revenue Growth
27.7%
This Stock
vs
43.38%
Sector Avg
-36.1%
(Slower)
Current Ratio
5.05
This Stock
vs
3.16
Sector Avg
+59.5%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
JCAP
Jefferson Capital, Inc.
|
NEUTRAL | $1.11B | 3.55 | 43.8% | 31.0% | $20.01 | |
|
BITF
Bitfarms Ltd.
|
NEUTRAL | $1.11B | - | -12.5% | -46.4% | $1.84 | Compare |
|
IGIC
International General...
|
NEUTRAL | $1.12B | 8.94 | 18.6% | 24.6% | $25.83 | Compare |
|
HFWA
Heritage Financial Corporation
|
BULLISH | $1.12B | 13.93 | 7.6% | 27.7% | $27.3 | Compare |
|
ASST
Strive Asset Management, LLC
|
BEARISH | $1.09B | - | -% | -% | $0.87 | Compare |
JCAP
Jefferson Capital, Inc.
NEUTRAL
Mkt Cap
$1.1B
P/E
3.5
ROE
43.8%
Price
$20.01
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-09 | BURTON DAVID | Chief Executive Officer | Sale | 385,000 | $7,892,500 |
| 2026-01-09 | JCF IV JCAP HOLDING L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 11,000,000 | $215,916,800 |
BURTON DAVID
Chief Executive Officer
2026-01-09
385,000 shares
·
$7,892,500
JCF IV JCAP HOLDING L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-01-09
11,000,000 shares
·
$215,916,800
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
5 analysts
Keefe, Bruyette & Woods
2025-12-24
Outperform
Outperform
Keefe, Bruyette & Woods
2025-11-17
Outperform
Outperform
Citizens
2025-11-14
Market Outperform
Market Outperform
Past News Coverage
Recent headlines mentioning JCAP from our newsroom.
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No matching news yet.