US · JCAP
Jefferson Capital, Inc. Common Stock
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Sartell, MN 56377
- Website
- jcap.com
Price · as of 2024-12-31
$20.87
Market cap 1.2B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | — | — |
| Intrinsic Value(DCF) | — | — |
| Graham-Dodd Method(GD) | $5.34 | -74.4% |
| Graham Formula(GF) | $73.81 | +253.68% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | $19.99 | $716.21 | |||
| 2017 | $10.44 | $111.18 | |||
| 2018 | $20.84 | $494.17 | |||
| 2019 | $8.57 | $104.08 | |||
| 2020 | |||||
| 2021 | |||||
| 2022 | |||||
| 2023 | $5.44 | $1,144.03 | |||
| 2024 | $5.34 | $73.81 |
AI valuation
Our deep-learning model estimates Jefferson Capital, Inc. Common Stock's (JCAP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- —
- Current price
- $20.87
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
—
— upside
Graham-Dodd
$5.34
-74.4% upside
Graham Formula
$73.81
+253.68% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| JCAP | Jefferson Capital, Inc. C… | $20.87 | 1.2B | — | — | -74% | +254% | — | — | — | — | — | — | 71.17% | 50.84% | 24.30% | 39.22% | 13.07% | 9.31% | 3.12 | — | 20.16 | 20.13 | 7.33 | -524.00% | 3412.00% | 3614.00% | — | 2.18 | 12.59% | — | 27.90% | — | — | — | — | — |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BBDC | Barings BDC, Inc. | $8.44 | 887.54M | +223% | -59% | — | +202% | 7.66 | 0.78 | 3.63 | 11.87 | — | 0.78 | 74.00% | 85.18% | 40.96% | 10.02% | 8.03% | 4.42% | 1.23 | 2.49 | 3.62 | 2.38 | 7.14 | -673.00% | 1900.00% | 3623.00% | 17.79% | 3.54 | 6.31% | 13.88% | 106.30% | 15.61% | 10.69 | 14.11 | 9.10 | 0.41 |
| ECPG | Encore Capital Group, Inc… | $68.29 | 1.52B | +281% | -56% | +9% | +555% | 6.42 | 1.69 | 0.93 | 8.62 | — | 3.74 | 68.98% | 35.38% | 14.57% | 29.45% | 10.37% | 5.07% | 4.23 | 2.17 | 14106.90 | 14106.90 | 6.09 | -28714.00% | 3389.00% | -18.00% | 7.70% | 477.26 | 2.76% | 0.00% | 0.00% | 5.49% | 9.02 | 44.30 | 3.19 | 2.25 |
| EZPW | EZCORP, Inc. | $26.53 | 1.56B | +86% | -2% | -18% | +26% | 10.56 | 1.13 | 0.91 | 7.18 | 36.30 | 1.80 | 58.55% | 11.71% | 8.60% | 11.98% | 8.84% | 6.36% | 0.75 | 6.48 | 5.61 | 4.33 | 1.46 | 2909.00% | 970.00% | 4187.00% | 9.54% | 0.74 | 8.76% | 0.00% | 0.00% | 9.41% | 9.73 | 13.15 | 1.14 | 2.66 |
| GSBD | Goldman Sachs BDC, Inc. | $9.06 | 1.03B | +335% | -60% | +121% | +1,534% | 5.83 | 0.74 | 2.90 | — | 6.68 | 0.74 | 0.00% | 0.00% | 49.67% | 12.12% | 0.00% | 5.20% | 0.00 | 0.00 | — | — | — | 8727.00% | 8998.00% | 6198.00% | 30.76% | — | 13.51% | 0.11% | 0.60% | 185.53% | — | 3.12 | 2.78 | 0.46 |
| LU | Lufax Holding Ltd | $2.60 | 1.09B | +853% | +620% | +1,146% | — | 2.73 | 0.03 | 0.06 | — | — | 0.03 | 69.55% | 35.51% | 2.13% | 0.96% | 9.36% | 0.30% | 0.49 | 1.61 | 29.50 | 29.05 | — | -8984.00% | -3962.00% | 24581.00% | 618.19% | 9.63 | 15.06% | 59.23% | 161.90% | 218.32% | 0.49 | 0.49 | 0.18 | 1.00 |
| NAVI | Navient Corporation | $8.79 | 857.08M | +4,311% | -61% | -29% | +35% | -10.67 | 0.36 | 0.26 | 17.97 | — | 0.43 | 86.96% | 77.14% | -2.48% | -3.17% | 3.72% | -0.16% | 19.05 | 0.96 | 0.41 | 0.41 | 17.62 | -16864.00% | -2374.00% | -392.00% | 51.68% | 0.09 | 0.91% | 7.38% | -78.70% | 529.07% | 17.85 | 100.81 | 13.77 | 0.30 |
| OCSL | Oaktree Specialty Lending… | $11.34 | 998.89M | +237% | -53% | — | +131% | 33.62 | 0.78 | 3.81 | 16.87 | — | 0.78 | 87.21% | 50.39% | 11.32% | 2.30% | 4.91% | 1.09% | 1.01 | 1.30 | 11.20 | 11.20 | 9.32 | -4583.00% | 6093.00% | 64647.00% | 12.49% | 11.80 | 4.80% | 13.00% | 436.90% | 28.62% | 16.87 | 17.89 | 8.50 | 0.35 |
| TRIN | Trinity Capital Inc. | $14.79 | 1.12B | +61% | -57% | +73% | -20% | 7.04 | 0.94 | 4.45 | 10.76 | — | 0.94 | 98.22% | 93.07% | 58.39% | 15.30% | 10.60% | 6.89% | 1.20 | 2.68 | 22.79 | 22.15 | 5.98 | -95.00% | -218.00% | 6900.00% | -51.91% | -310.98 | -26.30% | 0.00% | 0.00% | 0.00% | 10.76 | -4.34 | 10.01 | 0.84 |
| VRTS | Virtus Investment Partner… | $138.36 | 934.54M | +5,141% | -42% | -72% | -93% | 7.06 | 1.03 | 1.16 | 1.40 | 38.74 | 4.58 | 74.89% | 17.44% | 16.66% | 14.85% | 5.98% | 3.28% | 0.00 | 0.89 | — | — | -0.94 | 1824.00% | -800.00% | 165730.00% | -7.00% | — | -3.82% | 6.72% | 47.50% | 269.16% | 3.96 | -8.54 | 0.69 | 0.91 |
About Jefferson Capital, Inc. Common Stock
Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The company primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. It offers consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, and other receivables. The company also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Sartell, Minnesota.
- CEO
- David Burton
- Employees
- 1.21K
- Beta
- -1.63
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as (— ÷ $20.87) − 1 = — (DCF, example).