Jefferson Capital, Inc. Common Stock (JCAP)vsPayPal Holdings Inc (PYPL)
JCAP
Jefferson Capital, Inc. Common Stock
$19.47
+0.88%
FINANCIAL SERVICES · Cap: $1.08B
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 5362% more annual revenue ($33.17B vs $607.29M). JCAP leads profitability with a 30.9% profit margin vs 15.8%. JCAP trades at a lower P/E of 3.5x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
JCAP
Strong Buy69
out of 100
Grade: B-
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.5%
Fair Value
$38.35
Current Price
$19.47
$18.88 discount
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
JCAP profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
JCAP is growing revenue faster at 27.7% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (78/100 vs 69/100), backed by strong 15.8% margins. 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.
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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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