Jefferson Capital, Inc. Common Stock (JCAP)vsMastercard Inc (MA)
JCAP
Jefferson Capital, Inc. Common Stock
$20.54
+0.34%
FINANCIAL SERVICES · Cap: $1.24B
MA
Mastercard Inc
$565.24
-0.09%
FINANCIAL SERVICES · Cap: $498.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 5358% more annual revenue ($35.08B vs $642.73M). MA leads profitability with a 46.3% profit margin vs 24.1%. MA earns a higher WallStSmart Score of 72/100 (B).
JCAP
Buy65
out of 100
Grade: C+
MA
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 36 in profit
Strong operational efficiency at 61.2%
Keeps 24 of every $100 in revenue as profit
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 290 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Safe zone — low bankruptcy risk
Earnings expanding 22.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 96.0%
Distress zone — elevated risk
Elevated debt levels
Premium valuation, high expectations priced in
Trading at 88.3x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : JCAP
The strongest argument for JCAP centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 61.2%. Revenue growth of 11.5% demonstrates continued momentum.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.
Bear Case : JCAP
The primary concerns for JCAP are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 2.95 is elevated, increasing financial risk.
Bear Case : MA
The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
MA is growing revenue faster at 14.1% — sustainability is the question.
MA generates stronger free cash flow (3.3B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MA scores higher overall (72/100 vs 65/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong Buy" and "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.
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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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