Is Jefferson Capital (JCAP) Offering Value After Recent Share Price Pullback?

Simply Wall St.

Jan 21

If you are wondering whether Jefferson Capital’s current share price lines up with its underlying value, this article will walk through what the numbers are actually saying. The stock recently closed ...

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The stock recently closed ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-jcap/jefferson-capital/news/is-jefferson-capital-jcap-offering-value-after-recent-share\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Jefferson Capital (JCAP) Offering Value After Recent Share Price Pullback?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Jefferson Capital (JCAP) Offering Value After Recent Share Price Pullback?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-21 18:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-jcap/jefferson-capital/news/is-jefferson-capital-jcap-offering-value-after-recent-share><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Jefferson Capital’s current share price lines up with its underlying value, this article will walk through what the numbers are actually saying. The stock recently closed ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-jcap/jefferson-capital/news/is-jefferson-capital-jcap-offering-value-after-recent-share\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"JCAP","symbol_name":"Jefferson Capital","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-jcap/jefferson-capital/news/is-jefferson-capital-jcap-offering-value-after-recent-share","article_id":"2605107305","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7121000-choice1-main-header/1585186619635"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-jcap/jefferson-capital/news/is-jefferson-capital-jcap-offering-value-after-recent-share","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2605107305","pubTimestamp":1768991461,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Jefferson Capital’s current share price lines up with its underlying value, this article will walk through what the numbers are actually saying.\nThe stock recently closed at US$21.87, with returns of a 6.4% decline over the last 7 days, a 3.1% decline over 30 days, and a 1.1% decline year to date, which may hint at shifting views on its prospects and risk.\nRecent coverage has focused on Jefferson Capital’s position within the diversified financials space and how...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"JCAP":"Jefferson Capital","BK4166":"消费信贷"},"translate_title":"杰斐逊资本（JCAP）在最近股价回调后是否有价值？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"JCAP":1.5},"content_text":"If you are wondering whether Jefferson Capital’s current share price lines up with its underlying value, this article will walk through what the numbers are actually saying. The stock recently closed at US$21.87, with returns of a 6.4% decline over the last 7 days, a 3.1% decline over 30 days, and a 1.1% decline year to date, which may hint at shifting views on its prospects and risk. Recent coverage has focused on Jefferson Capital’s position within the diversified financials space and how investors are weighing its business model against peers. This helps frame these short term moves and provides context for whether the recent pullback appears to be a reassessment of risk or a potential pricing opportunity. On Simply Wall St’s valuation checks, Jefferson Capital currently scores 6 out of 6 for being assessed as undervalued across multiple measures. Next we will look at those methods side by side, then finish with a way to think about valuation that goes beyond any single model.  Jefferson Capital delivered 0.0% returns over the last year. See how this stacks up to the rest of the Consumer Finance industry. AdvertisementApproach 1: Jefferson Capital Excess Returns Analysis The Excess Returns model looks at how much value a company creates over and above the return that shareholders require. It starts with the profit the business can earn on its equity base, subtracts the cost of that equity, and then capitalizes those excess profits into an estimate of intrinsic value per share. For Jefferson Capital, the model uses a Book Value of $7.50 per share and a Stable EPS of $3.60 per share, based on the median return on equity from the past 5 years. The Average Return on Equity is 39.00%, while the Cost of Equity is $0.82 per share. That leaves an Excess Return of $2.78 per share, which is then combined with a Stable Book Value of $9.23 per share, sourced from weighted future book value estimates from 2 analysts. Putting this together, the Excess Returns model implies an intrinsic value of about $58.27 per share. Against the recent share price of $21.87, this points to roughly a 62.5% implied discount, which indicates that Jefferson Capital screens as materially undervalued on this framework. Result: UNDERVALUED Our Excess Returns analysis suggests Jefferson Capital is undervalued by 62.5%. Track this in your watchlist or portfolio, or discover 872 more undervalued stocks based on cash flows. JCAP Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Jefferson Capital. Approach 2: Jefferson Capital Price vs Earnings For a profitable company like Jefferson Capital, the P/E ratio is a useful way to link what you pay per share to the earnings the business is currently generating. It gives you a quick sense of how many years of current earnings the market is pricing in. What counts as a “normal” P/E really comes down to growth expectations and risk. Higher expected earnings growth or lower perceived risk can support a higher P/E, while slower growth or higher risk usually call for a lower multiple. Jefferson Capital currently trades on a P/E of 7.45x. That is below the Consumer Finance industry average P/E of 8.70x and also below the peer group average of 8.86x. Simply Wall St’s Fair Ratio for Jefferson Capital is 11.97x. This Fair Ratio is a proprietary estimate of what P/E might be reasonable after taking into account factors such as the company’s earnings growth profile, industry, profit margins, market cap and key risks. Because the Fair Ratio is tailored to Jefferson Capital’s specific characteristics rather than broad group averages, it can offer a more company focused yardstick than simple peer or industry comparisons. With the current P/E of 7.45x sitting below the Fair Ratio of 11.97x, Jefferson Capital screens as undervalued on this multiple based approach. Result: UNDERVALUED NasdaqGS:JCAP P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1444 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Jefferson Capital Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives, which let you attach a clear story about Jefferson Capital to the numbers you are using for fair value, revenue, earnings and margins. A Narrative is simply your view of the business written into a set of assumptions, so you link Jefferson Capital’s story to a financial forecast and then to a fair value that you can compare with the current share price. On Simply Wall St’s Community page, used by millions of investors, Narratives are set up as an easy tool so you can see different fair values, understand the assumptions behind them and quickly judge whether the current price looks high, low or roughly in line with your view. Because Narratives on the platform refresh when new information such as earnings releases or major news is added, your Jefferson Capital fair value can stay aligned with the latest data rather than being a one off spreadsheet. For Jefferson Capital, one investor might build a Narrative that points to a much higher fair value while another might arrive at a far lower figure. You can see both stories side by side before you decide what action, if any, makes sense for you. Do you think there's more to the story for Jefferson Capital? Head over to our Community to see what others are saying! NasdaqGS:JCAP 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}