Jefferson Capital, Inc. / DE (JCAP)
Short-Term Business Credit Institutions · Financial Services · $939M
Intrinsic Value (Consensus)
$24.50
Current Price
$16.95
Margin of Safety
+44.5%
44.5% Below Intrinsic Value
Value: $25
Price: $17
Valuation Model Estimates
Current Price: $16.95
DCF (Discounted Cash Flow)
$197.17
Graham Number
$22.85
Earnings Power Value
$26.14
Relative Value (P/E)
$85.24
Dividend Discount Model
$8.36
Consensus Value
$24.50
Model Assumptions
Discount Rate
10.3%
Growth Rate
30.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
84
Profitability
25/25
Strength
12/25
Valuation
22/25
Growth
25/25
Financial Health Signals
Very high debt — Debt/Equity ratio is 368% (above 200% is risky)
Strong profitability — ROE of 39% (above 20% is excellent)
Strong earnings growth (30% YoY)
High free cash flow yield (28.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.84
- EPS (Forward)
- $3.69
- Book Value
- $8.17
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 39.5%
- Debt/Equity
- 368%
- Revenue Growth
- 41.5%
- Earnings Growth
- 30.0%
- Dividend Yield
- 0.2%
- Beta
- 1.09
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Data last updated: 2026-06-16
Source: Yahoo Finance