Jefferson Capital, Inc. Common Stock (JCAP) P/E Ratio History
ExpensiveTrading at 2.9x vs 5Y avg 1.0x · 100th percentile · Material premium to history · Data 2025–2026
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P/E Ratio Analysis
As of July 8, 2026, Jefferson Capital, Inc. Common Stock (JCAP) trades at a price-to-earnings ratio of 2.9x, with a stock price of $18.19 and trailing twelve-month earnings per share of $3.14.
The current P/E is 191% above its 5-year average of 1.0x. Over the past five years, JCAP's P/E has ranged from a low of 0.9x to a high of 1.0x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, JCAP trades at a 80% discount to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 157.0x.
The PEG ratio of 0.08 (P/E divided by 246% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, JCAP trades at a notable discount to the S&P 500 median P/E of 25.9x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our JCAP DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
JCAP Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
JCAP P/E vs Peers
Debt Collection and Collateral Lending peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 8.3 | 0.80Best | +287%Best | |
| $10B | 30.1 | 1.27 | +29% | |
| $7B | 9.1 | 2.31 | +55% | |
| $7B | 17.2 | 1.75 | +89% | |
| $5B | 7.2Lowest | 0.81 | +29% | |
| $924M | 28.9 | - | -58% | |
| $21B | 32.8 | 7.07 | +10% | |
| $15B | 34.0 | 6.38 | +60% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
JCAP Historical P/E Data (2025–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $19.23 | $18.97 | 1.0x | +1% |
| FY2025 Q3 | - | $17.26 | $18.35 | 0.9x | -6% |
| FY2025 Q2 | Jun 30 2025 | $18.45 | $17.67 | 1.0x | +4% |
Average P/E for displayed period: 1.0x
Intrinsic Valuation
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Historical Returns
1+ years return with dividends reinvested.
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Peer Comparison
Compare growth, multiples, and margins vs sector.
JCAP — Frequently Asked Questions
Quick answers to the most common questions about buying JCAP stock.
What is JCAP's P/E ratio?
Jefferson Capital, Inc. Common Stock (JCAP) trailing twelve-month P/E ratio is 2.9x, based on TTM diluted EPS of $3.14. The 5-year average P/E is 1.0x and the historical range spans 0.9x to 1.0x.
Is JCAP stock overvalued or undervalued?
JCAP trades at 2.9x P/E, above its 5-year average of 1.0x. The 100th percentile ranking within the 0.9x–1.0x historical range indicates a premium to historical valuation.
Is JCAP stock expensive?
Yes, JCAP is expensive relative to its own history. The current P/E of 2.9x is above the 5-year average of 1.0x. The stock sits at the 100th percentile of its 5-year valuation range.
What is JCAP's historical P/E range?
Over the past 5 years, JCAP's P/E ratio has ranged from 0.9x to 1.0x, with a median of 1.0x and an average of 1.0x. The current P/E of 2.9x places the stock at the 100th percentile of this range. Full historical data spans 2025–2026.
How does JCAP's P/E compare to the S&P 500?
JCAP trades at 2.9x P/E versus the S&P 500 median of 25.9x. The 89% discount to the market suggests lower growth expectations or perceived higher risk.
How does JCAP's valuation compare to Financial Services peers?
Jefferson Capital, Inc. Common Stock P/E of 2.9x compares to the Financial Services sector median of 14.3x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is JCAP's PEG ratio?
JCAP PEG ratio is 0.08, based on a P/E of 2.9x and EPS growth of 245.9%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is JCAP's earnings yield?
JCAP earnings yield is 34.41%, the inverse of its 2.9x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.