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Jefferson Capital, Inc. (JCAP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Jefferson Capital, Inc.

JCAPMarket cap $1.14BPrice $19.9

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Buys distressed consumer debt for pennies on the dollar, then collects what others couldn't. Jefferson Capital turns charged-off credit card and loan balances into steady cash flow, profiting from debt other lenders already wrote off as worthless.

In Bastion Portfolios?

52W Return+13%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)na–

Revenue Forecast

Rev CAGR (1y)+17%8

Rev CAGR (3y)+8%6

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1-43%2

EPS Growth Y+2+2%4

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin60%9

Net Income Margin24%8

Free Cash Flow Margin34%9

Debt

Net Debt/EBITDA3.62

Efficiency

ROE29%9

ROA8%8

Earnings Stability88

GEAR+VERY STRONG92

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)610

P/BV2.46

EV Multiples

EV/EBITDA Fwd710

EV/EBIT Fwd810

Yield

Free Cash Flow Yield0.0%10

Dividend Yield4.8%9

Momentum

Short term

1 month return-7%4

3 month return+10%9

YTD return-8%4

Mid term

Price vs 52wHigh82%6

1 year return+15%6

Long term

3 year return+14%3

5 year return+14%4

Risk Shield

Price Risk

Beta0.95

Volatility36%5

Free Cash Flow

Free Cash Flow Margin34%9

Free Cash Flow Yield0.0%10

Quality

ROCE23%8

Earnings Stability88

Net Debt/EBITDA3.62

02Growth

Is it actually growing, and how fast?

JCAPJefferson Capital

Revenue FY25$607M

GROWTH RATING↗

AVERAGE45 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGRna–

Revenue, next 1Y+17%8

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-43%2

EPS growth, FY27E+2%4

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

Revenue held flat over the last 3 years and is set to grow 8%/yr from here.

WATCH

A mid-pack grower, ahead of 45% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

Earnings are set to grow slower than sales (EPS about 2%/yr vs revenue 8%/yr), so margins are under pressure. One year dips: EPS falls 43% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: the long-term outlook is only average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return+10%9

YTD return-8%4

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+15%6

3-year return+14%3

5-year return+14%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+10%).

WATCH

It's up 15% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-7%) and so far this year (-8%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+14% over three years and +14% over five), behind 60% of the market.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Jefferson Capital, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

JCAPJefferson Capital

Revenue FY25$607M

GROWTH RATING↗

AVERAGE45 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGRna–

Revenue, next 1Y+17%8

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-43%2

EPS growth, FY27E+2%4

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

Revenue held flat over the last 3 years and is set to grow 8%/yr from here.

WATCH

A mid-pack grower, ahead of 45% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

Earnings are set to grow slower than sales (EPS about 2%/yr vs revenue 8%/yr), so margins are under pressure. One year dips: EPS falls 43% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: the long-term outlook is only average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return+10%9

YTD return-8%4

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+15%6

3-year return+14%3

5-year return+14%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+10%).

WATCH

It's up 15% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-7%) and so far this year (-8%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+14% over three years and +14% over five), behind 60% of the market.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Jefferson Capital, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community