Capital One Financial Corporation (COF)vsJefferson Capital, Inc. Common Stock (JCAP)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $112.86B
JCAP
Jefferson Capital, Inc. Common Stock
$19.47
+0.88%
FINANCIAL SERVICES · Cap: $1.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 5298% more annual revenue ($32.78B vs $607.29M). JCAP leads profitability with a 30.9% profit margin vs 7.5%. JCAP trades at a lower P/E of 3.5x. COF earns a higher WallStSmart Score of 75/100 (B+).
COF
Strong Buy75
out of 100
Grade: B+
JCAP
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.8%
Fair Value
$142.20
Current Price
$185.23
$43.03 premium
Margin of Safety
+42.5%
Fair Value
$38.35
Current Price
$19.47
$18.88 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 51.6% year-over-year
Large-cap with strong market position
Strong operational efficiency at 22.9%
Earnings expanding 22.2% YoY
Attractively priced relative to earnings
Every $100 of equity generates 44 in profit
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 105.8%
Reasonable price relative to book value
Revenue surging 27.7% year-over-year
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
0.0% earnings growth
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.
Bull Case : JCAP
The strongest argument for JCAP centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.9% and operating margin at 105.8%. Revenue growth of 27.7% demonstrates continued momentum.
Bear Case : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.
Bear Case : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while JCAP is a growth play — different risk/reward profiles.
COF is growing revenue faster at 51.6% — sustainability is the question.
COF generates stronger free cash flow (6.7B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
COF scores higher overall (75/100 vs 69/100) and 51.6% revenue growth. JCAP offers better value entry with a 42.5% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Jefferson Capital, Inc. Common Stock
FINANCIAL SERVICES · CREDIT SERVICES · USA
Jernigan Capital is a real estate investment trust listed on the New York Stock Exchange (NYSE: JCAP) that provides debt and equity capital to private developers, owners and operators of storage facilities with a view to eventual freehold ownership of the facilities financed by the Company.
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