Jefferson Capital, Inc. Common Stock
Jefferson Capital, Inc. Common Stock Fundamental Analysis
Jefferson Capital, Inc. Common Stock (JCAP) shows strong financial fundamentals with a PE ratio of 6.49, profit margin of 28.44%, and ROE of 41.10%. The company generates $0.6B in annual revenue with weak year-over-year growth of 0.00%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 36.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze JCAP's fundamental strength across five key dimensions:
Efficiency Score
WeakJCAP struggles to generate sufficient returns from assets.
Valuation Score
ExcellentJCAP trades at attractive valuation levels.
Growth Score
WeakJCAP faces weak or negative growth trends.
Financial Health Score
WeakJCAP carries high financial risk with limited liquidity.
Profitability Score
ExcellentJCAP achieves industry-leading margins.
Key Financial Metrics
Is JCAP Expensive or Cheap?
P/E Ratio
JCAP trades at 6.49 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, JCAP's PEG of 0.27 indicates potential undervaluation.
Price to Book
The market values Jefferson Capital, Inc. Common Stock at 2.38 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -2.37 times EBITDA. This is generally considered low.
How Well Does JCAP Make Money?
Net Profit Margin
For every $100 in sales, Jefferson Capital, Inc. Common Stock keeps $28.44 as profit after all expenses.
Operating Margin
Core operations generate 23.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $41.10 in profit for every $100 of shareholder equity.
ROA
Jefferson Capital, Inc. Common Stock generates $8.36 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Jefferson Capital, Inc. Common Stock generates limited operating cash flow of $280.20K, signaling weaker underlying cash strength.
Free Cash Flow
Jefferson Capital, Inc. Common Stock generates weak or negative free cash flow of $280.20K, restricting financial flexibility.
FCF Per Share
Each share generates $0.01 in free cash annually.
FCF Yield
JCAP converts 0.03% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.49
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.27
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.38
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.75
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.60
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.20
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.41
vs 25 benchmark
ROA
Return on assets percentage
0.08
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How JCAP Stacks Against Its Sector Peers
| Metric | JCAP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.49 | 18.66 | Better (Cheaper) |
| ROE | 41.10% | 806.00% | Weak |
| Net Margin | 28.44% | -451.00% (disorted) | Strong |
| Debt/Equity | 3.60 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.20 | 662.02 | Weak Liquidity |
| ROA | 8.36% | -24409.00% (disorted) | Weak |
JCAP outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Jefferson Capital, Inc. Common Stock's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining