JCAP Stock Analysis: Buy, Sell, or Hold?
JCAP - Jefferson Capital, Inc. Common Stock
$18.76
-0.11 (-0.58%)
▼
5d:
+3.13%
30d:
+15.23%
90d:
-6.01%
BUY
HIGH Confidence
Analysis Updated: Jul 14, 2026 12:00 AM ET
Earnings: Aug 13, 2026
28d
Get Alerted When JCAP Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: JCAP trading at deep discount. Market pricing in -4.2% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: JCAP trading at deep discount. Market pricing in -4.2% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$24.24
Based on 2.7% avg growth
INTRINSIC VALUE TODAY
$15.05
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 7.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: JCAP is currently trading at $18.76, which is considered slightly high relative to its 30-day fair value range of $16.56 to $18.96. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.5) compared to its historical average (7.3). Remarkably, the market is currently pricing in an annual earnings decline of 4.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, JCAP is in a strong downtrend. The price is approaching resistance at $17.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: JCAP has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $26.00 (+38.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, JCAP is in a strong downtrend. The price is approaching resistance at $17.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: JCAP has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $26.00 (+38.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$16.56 -
$18.96
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
76.2%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 38.6% below Wall St target ($26.00)
Trading Range Analysis
30-Day Trading Range
$16.56 -
$18.96
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$15.50
Resistance Level
$17.47
Current Trend
Strong Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.45
Wall Street Target
$26.00
(+38.6%)
Revenue Growth (YoY)
11.9%
Profit Margin
25.8%
Valuation Discount vs History
-4.2% cheaper
PE vs Historical
6.5 vs 7.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.2%
(market-implied from PE analysis)
1-Year Target
$17.97
(-4%)
2-Year Target
$17.22
(-8%)
3-Year Target
$16.49
(-12%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$18.66
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 1.4%)
$66.01
(+252%)
Base:
(SPY PE: 6.5, Growth: 1.4%)
$19.56
(+4%)
Bear:
(PE: 5.5, Growth: 1.4%)
$16.62
(-11%)
📈
Valuation based on Current Earnings
Trailing PE: 3.66 | Current EPS (TTM): $5.15
Bull Case
$11.72
(-38%)
Analyst growth -43.5%, PE expands to 4.0
Base Case
$10.65
(-43%)
Market implied -43.5%, PE stable at 3.7
Bear Case
$12.83
(-32%)
Severe decline -20.0%, PE contracts to 3.1
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 6.5 to 7.3
Stabilization Target:
$21.22
(+13.1%)
PE Expansion Potential:
+13.1%
Share & Embed Analysis
Last updated: July 14, 2026 11:10 PM ET
Data refreshes hourly during market hours. Next update: 12:10 AM
Data refreshes hourly during market hours. Next update: 12:10 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is JCAP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$401 | 61 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$644 | 66 BUY |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$256 | 61 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$51 | 57 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$88 | 60 HOLD |