JCAP
Jefferson Capital, Inc. Common Stock
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
Jefferson Capital (JCAP) Stock: Buy, Sell, or Hold?
$20.88
+1.42 (+7.30%)
▲
5d:
+5.3%
30d:
+0.68%
90d:
-11.71%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (56%)
Quality Score
50/100
Position
EXTENDED
30-Day Fair Range
$19.81 – $20.62
Position: EXTENDED
Forward P/E & Valuation
6.8x
FAIR
vs 7.1x historical avg
Wall Street Target
$28.20
+35.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$19.14 / $21.93
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: JCAP shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.16
Based on 2.8% avg growth
INTRINSIC VALUE TODAY
$15.62
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: JCAP is currently trading at $20.88, which is considered extended relative to its 30-day fair value range of $19.81 to $20.62. The stock's valuation (Forward PE: 6.8) is in line with its historical norms (7.1). Remarkably, the market is currently pricing in an annual earnings decline of 1.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, JCAP is showing sideways momentum. Immediate support is located at $19.14, while resistance sits at $21.93. The stock is showing strong short-term momentum, up 7.3% recently.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $28.20 (+35.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, JCAP is showing sideways momentum. Immediate support is located at $19.14, while resistance sits at $21.93. The stock is showing strong short-term momentum, up 7.3% recently.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $28.20 (+35.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$19.81 -
$20.62
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
Trading Range & Key Levels
30-Day Trading Range
$19.81 -
$20.62
Current vs Trading Range
EXTENDED
Support Level
$19.14
Resistance Level
$21.93
Current Trend
Sideways
Technical data as of
Nov 13, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (57/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+7.3%)
- BULLISH: Trading 35.1% below Wall St target ($28.20)
- WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
6.76
Wall Street Target
$28.20
(+35.1%)
Revenue Growth (YoY)
11.5%
Earnings Growth (YoY)
-96.0%
Profit Margin
24.1%
Valuation Discount vs History
-1.8% cheaper
PE vs Historical
6.8 vs 7.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.8%
(market-implied from PE analysis)
1-Year Target
$20.50
(-2%)
2-Year Target
$20.14
(-4%)
3-Year Target
$19.77
(-5%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$20.76
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 1.6%)
$64.40
(+208%)
Base:
(SPY PE: 6.8, Growth: 1.6%)
$21.93
(+5%)
Bear:
(PE: 5.7, Growth: 1.6%)
$18.64
(-11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 21.38 | Current EPS (TTM): $0.91
Bull Case
$42.81
(+105%)
Analyst growth 100.0%, PE expands to 23.5
Base Case
$38.92
(+86%)
Market implied 100.0%, PE stable at 21.4
Bear Case
$13.23
(-37%)
Severe decline -20.0%, PE contracts to 18.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.8 to 7.1
Stabilization Target:
$21.92
(+5.0%)
PE Expansion Potential:
+5.0%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (JCAP)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Feb 6, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits messages indicate bullish sentiment towards $JCAP, a consumer debt-buyer and specialty finance company, with no recent negative news articles.
Key Retail Themes:
Bullish sentiment
Company description
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 14, 2026 6:05 AM ET
Data refreshes hourly during market hours. Next update: 7:05 AM
Data refreshes hourly during market hours. Next update: 7:05 AM
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Technical Signals Check
Is JCAP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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