Jefferson Capital, Inc. / DE (NASDAQ: JCAP)

Sector: Financial Services Industry: Credit Services CIK: 0002046042
Market Cap 0.00
P/B 0.00
P/E 0.00
P/S 0.00
ROIC (Qtr) 0.00
Div Yield % 2.06
Rev 1y % (Qtr) 36.38
Total Debt (Qtr) 1.18 Bn
Debt/Equity (Qtr) 2.70

About

Price action

Investment thesis

Bull case

  • Retained earnings of 500.41M represent substantial 1.14x of equity 437.37M, indicating strong internal capital generation.
  • Retained earnings of 500.41M provide strong 7.68x coverage of intangibles 65.18M, indicating quality earnings retention.
  • Strong tangible asset base of 1.74B provides 26.66x coverage of intangibles 65.18M, indicating robust asset quality.
  • Tangible assets of 1.74B provide robust 51.91x coverage of receivables 33.48M, showing strong asset quality.

Bear case

  • Retained earnings of 500.41M provide limited buffer against comprehensive income items of (2.30M), which is -217.57x, indicating elevated exposure to market risks.
  • Tax assets of 0 provide limited offset against tax liabilities of 100.12M, which is 0x, indicating potential future cash flow pressure from tax obligations.
  • Other current assets of 0 provide weak coverage of payables of 78.27M, which is 0x, suggesting potential working capital stress in near term.

Peer comparison

Companies in the Credit Services
S.No. Ticker Company Market Cap P/E P/S Total Debt (Qtr)
1 V Visa Inc. 686.47 Bn 34.22 17.16 25.17 Bn
2 MA Mastercard Inc 523.39 Bn 36.73 16.63 18.98 Bn
3 AXP American Express Co 265.73 Bn 25.21 4.07 59.23 Bn
4 COF Capital One Financial Corp 114.44 Bn 104.71 3.96 51.48 Bn
5 PYPL PayPal Holdings, Inc. 56.25 Bn 11.44 1.71 11.28 Bn
6 SYF Synchrony Financial 32.84 Bn 9.40 3.40 14.43 Bn
7 SOFI SoFi Technologies, Inc. 29.73 Bn 46.44 8.95 2.81 Bn
8 ALLY Ally Financial Inc. 14.45 Bn 52.55 1.83 20.63 Bn

Industry comparisons

Current Valuation Value Ind Avg Percentile
EV to Assets EV to Assets 0.00 1.08
EV to Cash from Ops. EV to Cash from Ops. 0.00 6.69
EV to Debt EV to Debt 0.00 2.90
EV to EBIT EV to EBIT 0.00 -256.83
EV to EBITDA EV to EBITDA 0.00 -63.90
EV to Free Cash Flow [EV/FCF] EV to Free Cash Flow [EV/FCF] 0.00 7.70
EV to Market Cap EV to Market Cap 0.00 10.11
EV to Revenue EV to Revenue 0.00 10.46
Price to Book Value [P/B] Price to Book Value [P/B] 0.00 3.64
Price to Earnings [P/E] Price to Earnings [P/E] 0.00 14.93
Dividend Metrics Value Ind Avg Percentile
Dividend Coverage Ratio Div Coverage (Qtr) 0.00 1.65
Dividend Payout Ratio % Div Payout % (Qtr) 0.00 2.32
Dividend per Basic Share Div per Share (Qtr) 0.24 0.71
FCF Dividend Payout Ratio % FCF Div Payout % (Qtr) 0.00 5.03
Interest Coverage Int. cover (Qtr) 0.00 -67.79
Growth Metrics Value Ind Avg Percentile
Capex Growth (1y) % Capex 1y % (Qtr) 0.00 -84.54
Cash and Equivalents Growth (1y) % Cash & Equiv 1y % (Qtr) 0.00 7.91
Dividend Growth (1y) % Dividend Growth (1y) % 0.00 5.71
EBIAT Growth (1y) % EBIAT 1y % (Qtr) 0.00 -24.74
EBITDA Growth (1y) % EBITDA 1y % (Qtr) 0.00 -2.60
EBIT Growth (1y) % EBIT 1y % (Qtr) 0.00 12.06
EBT Growth (1y) % EBT 1y % (Qtr) 0.00 -21.28
EPS Growth (1y) % EPS Growth (1y) % 0.00 -92.29
FCF Growth (1y) % FCF 1y % (Qtr) 0.00 140.01
Gross Profit Growth (1y) % Gross Profit 1y % (Qtr) 0.00 8.20
Liquidity Ratios Value Ind Avg Percentile
Asset Utilization Ratio Asset Util Ratio (Qtr) 0.00 0.24
Cash Payout Ratio Cash Payout (Qtr) 0.00 0.05
Cash Ratio Cash Ratio 0.00 0.31
Current Ratio Current Ratio 0.00 0.87
Debt to Equity Ratio Debt/Equity (Qtr) 2.70 5.09
Interest Cover Ratio Int Coverage (Qtr) 0.00 -67.79
Times Interest Earned Times Interest Earned (Qtr) 0.00 -67.79
Profitability Value Ind Avg Percentile
EBITDA Margin % EBITDA Margin % (Qtr) 0.00 -18.70
EBIT Margin % EBIT Margin % (Qtr) 0.00 -12.65
EBT Margin % EBT Margin % (Qtr) 0.00 -30.15
Gross Margin % Gross Margin % (Qtr) 0.00 73.89
Net Profit Margin % Net Margin % (Qtr) 0.00 -43.77