Jefferson Capital, Inc. Common Stock (JCAP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Jefferson Capital, Inc. Common Stock stock (JCAP) is currently trading at $19.47. Jefferson Capital, Inc. Common Stock PE ratio is 3.44. Jefferson Capital, Inc. Common Stock PS ratio (Price-to-Sales) is 1.77. Analyst consensus price target for JCAP is $26.20. WallStSmart rates JCAP as Moderate Buy.
- JCAP PE ratio analysis and historical PE chart
- JCAP PS ratio (Price-to-Sales) history and trend
- JCAP intrinsic value — DCF, Graham Number, EPV models
- JCAP stock price prediction 2025 2026 2027 2028 2029 2030
- JCAP fair value vs current price
- JCAP insider transactions and insider buying
- Is JCAP undervalued or overvalued?
- Jefferson Capital, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- JCAP Piotroski F-Score and Altman Z-Score
- JCAP analyst price target and Smart Rating
Jefferson Capital, Inc.
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JCAP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Jefferson Capital, Inc. Common Stock (JCAP)
JCAP trades at a significant discount to its Graham intrinsic value of $38.35, offering a 42% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Jefferson Capital, Inc. Common Stock (JCAP) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Jefferson Capital, Inc. Common Stock (JCAP) Key Strengths (6)
Every $100 of shareholder equity generates $44 in profit
Keeps $106 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
100.75% of shares held by major funds and institutions
Paying $1.77 for every $1 of annual revenue
Strong revenue growth at 27.70% annually
Supporting Valuation Data
Jefferson Capital, Inc. Common Stock (JCAP) Areas to Watch (2)
Small-cap company with higher risk but more growth potential
Fairly priced relative to book value
Jefferson Capital, Inc. Common Stock (JCAP) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 8 metrics analyzed, 6 register as strengths (avg 9.3/10) while 2 fall into concern territory (avg 5.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Profit Margin. Valuation metrics including Price/Sales (1.77) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 43.80%, Operating Margin at 105.80%, Profit Margin at 30.90%. Growth metrics are encouraging with Revenue Growth at 27.70%.
The Bear Case
The primary concerns are Market Cap, Price/Book. Some valuation metrics including Price/Book (2.26) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 43.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 27.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Operating Margin) and negatives (Market Cap, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
JCAP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
JCAP's Price-to-Sales ratio of 1.77x trades 29% below its historical average of 2.5x (0th percentile). The current valuation is 44% below its historical high of 3.18x set in Dec 2025, and 0% above its historical low of 1.77x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~2.4x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Jefferson Capital, Inc. Common Stock (JCAP) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Jefferson Capital, Inc. Common Stock is a strong growth company balancing expansion with improving profitability. Revenue reached 607M with 28% growth year-over-year. Profit margins are strong at 30.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 28% YoY, reaching 607M. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 43.8% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Jefferson Capital, Inc. Common Stock maintain 28%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Jefferson Capital, Inc. Common Stock.
Bottom Line
Jefferson Capital, Inc. Common Stock offers an attractive blend of growth (28% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 11:29:03 AM
About Jefferson Capital, Inc. Common Stock(JCAP)
NASDAQ
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.