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JCAPJefferson Capital, Inc. Common Stock
$18.55$1.0B
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JCAP logo

Jefferson Capital, Inc. Common Stock (JCAP) Price Target Analysis

Updated Jul 2, 2026
Analyst Rating: Buy
Based on 9 analysts

40.2% Below Target

JCAP trades 40.2% below Wall Street's consensus target of $26.00.

Current Price$18.55
Average Target$26.00
Target
Current
Low$21.00
Median$28.00
High$29.00

Analyst Target Range

Forward P/E6.7x
(Value)
PEG Ratio0.17
(Undervalued)
Implied Growth-11.8%
(Declining)
Analyst Spread30.8%
(Moderate)

Price Forecast (1 Year)

Last 12 months price action with 12-month analyst target path

Current$18.55
Consensus$26.00
High$29.00
Low$21.00

Consensus Scenario Assumptions

The base valuation assumes JCAP achieves its forward estimates and maintains a stable P/E multiple of 6.7x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.

Analyst Ratings Distribution

Breakdown of 9 published analyst recommendations for JCAP

7/9 analysts are bullish
+33
BearishBullish
Weighted analyst sentiment score based on 9 ratings
ConsensusBuy
Coverage9 Analysts
Net Score+33
Bull / Bear78% / 11%
Strong Buy00%
Buy778%
Hold111%
Sell111%
Strong Sell00%
Strong Buy
00%
Buy
778%
Hold
111%
Sell
111%
Strong Sell
00%
Recommendation Mix78% Buy · 11% Hold · 11% Sell
Buy (7)Hold (1)Sell (1)

JCAP Price Target Analysis

Updated July 7, 2026

As of July 7, 2026, Jefferson Capital, Inc. Common Stock (JCAP) has a Wall Street consensus price target of $26.00, based on estimates from 9 covering analysts. With the stock currently trading at $18.55, this represents a potential upside of +40.2%. The company has a market capitalization of $1.03B.

Analyst price targets range from a low of $21.00 to a high of $29.00, representing a 31% spread in expectations. The median target of $28.00 differs from the mean, suggesting potential outlier estimates.

The current analyst consensus rating is Buy, with 7 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 1 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.

From a valuation perspective, JCAP trades at a trailing P/E of 3.0x and forward P/E of 6.7x. The forward PEG ratio of 0.17 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -11.8% over the next year.

Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $30.83, with bear and bull scenarios of $19.43 and $40.63 respectively. Model confidence stands at 42/100, suggesting limited visibility into future performance.

Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.

Analyst Sentiment Comparison

Industry Peer Analysis
Avg Peer Upside
+12.0%
Industry Consensus
Avg Forward P/E
14.2x
(Value)
Peers with Coverage
9 / 10
Active Analyst Tracking
CompanyMarket CapPriceTargetUpside PotentialRatingFwd P/EAnalysts
PRAA logo
PRAAPRA Group, Inc.
$699M$18.33$25.00
+36.4%
Hold7.3x13
ECPG logo
ECPGEncore Capital Group, Inc.
$1.9B$89.51$85.00
-5.0%
Buy6.9x15
FCFS logo
FCFSFirstCash Holdings, Inc
$9.9B$224.29$252.00
+12.4%
Hold20.5x19
OMF logo
OMFOneMain Holdings, Inc.
$7.0B$60.08$67.50
+12.4%
Buy8.3x31
CACC logo
CACCCredit Acceptance Corporation
$6.9B$657.20$540.00
-17.8%
Hold13.6x18
SLM logo
SLMSLM Corporation
$5.1B$25.53$30.80
+20.6%
Buy8.1x25
NAVI logo
NAVINavient Corporation
$789M$8.39$8.67
+3.3%
Hold11.7x24
WRLD logo
WRLDWorld Acceptance Corporation
$936M$201.61——Hold28.5x10
EFX logo
EFXEquifax Inc.
$20.7B$171.94$222.18
+29.2%
Buy20.0x34
TRU logo
TRUTransUnion
$15.3B$79.28$92.56
+16.8%
Buy16.6x26

JCAP — Frequently Asked Questions

Quick answers to the most common questions about buying JCAP stock.

What is the JCAP stock price target for 2026?

The consensus Wall Street price target for JCAP is $26, representing 40.2% upside from the current price of $18.55. With 9 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.

Is JCAP a buy, sell, or hold?

JCAP has a consensus rating of "Buy" based on 9 Wall Street analysts. The rating breakdown is predominantly bullish, with 7 Buy/Strong Buy ratings. The consensus 12-month price target of $26 implies 40.2% upside from current levels.

Is JCAP stock overvalued or undervalued?

With a forward P/E of 6.7038x, JCAP trades at a relatively low valuation. The consensus target of $26 implies 40.2% appreciation, suggesting meaningful undervaluation.

How high can JCAP stock go?

The most bullish Wall Street analyst has a price target of $29 for JCAP, while the most conservative target is $21. The consensus of $26 represents the median expectation. Our quantitative valuation model projects a bull case target of $41 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

How many analysts cover JCAP stock?

JCAP is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 7 have Buy ratings, 1 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

What is the JCAP stock forecast?

The 12-month JCAP stock forecast based on 9 Wall Street analysts shows a consensus price target of $26, with estimates ranging from $21 (bear case) to $29 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $31, with bear/bull scenarios of $19/$41.

What is JCAP's fair value based on fundamentals?

Our quantitative valuation model calculates JCAP's fair value at $31 (base case), with a bear case of $19 and bull case of $41. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 42/100.

What is JCAP's forward P/E ratio?

JCAP trades at a forward P/E ratio of 6.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 3.0x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Should I buy JCAP stock?

Wall Street analysts are very optimistic on JCAP, with a "Buy" consensus rating and $26 price target (40.2% upside). 7 of 9 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

Why do JCAP price targets vary so much?

JCAP analyst price targets range from $21 to $29, a 31% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $26 consensus represents the middle ground. Our model's $19-$41 range provides an independent fundamental perspective.

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