Jefferson Capital, Inc. (JCAP) Stock Analysis
Breakout setup
Financial Services · Credit Services
Sell if holding. At $20.93, A.R:R 1.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 9.0%; Cyclical risk: PE expanding 2.0x (earnings normalizing).
Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage... Read more
Sell if holding. At $20.93, A.R:R 1.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 9.0%; Cyclical risk: PE expanding 2.0x (earnings normalizing). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Score 6.9/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $20.93, A.R:R 1.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 9.0%; Cyclical risk: PE expanding 2.0x (earnings normalizing). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Prior stop was $19.73. Score 6.9/10, moderate confidence.
Take-profit target: $22.79 (+9.0% upside). Prior stop was $19.73. Stop-loss: $19.73.
Cyclical risk: PE expanding 2.0x (earnings normalizing); Thin upside margin: 9.0%; Leverage penalty (D/E 3.0): -1.5.
Jefferson Capital, Inc. trades at a P/E of 3.7 (forward 7.2). TrendMatrix value score: 8.3/10. Verdict: Sell.
13 analysts cover JCAP with a consensus score of 4.2/5. Average price target: $26.
What does Jefferson Capital, Inc. do?Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United...
Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Minneapolis, Minnesota.