Comprehensive Stock Comparison
Compare Jefferson Capital, Inc. Common Stock (JCAP) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | JCAP | 34.1% revenue growth vs JPM's 14.6% |
| Value | JCAP | Lower P/E (7.3x vs 13.9x) |
| Quality / Margins | JCAP | 24.3% net margin vs JPM's 21.6% |
| Stability / Safety | JPM | Beta 1.00 vs JCAP's 1.36, lower leverage |
| Dividends | JCAP | 3.0% yield, 1-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | JPM | +15.7% vs JCAP's +13.9% |
| Efficiency (ROA) | JCAP | 7.8% ROA vs JPM's 1.3%, ROIC 12.6% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Jefferson Capital is a debt recovery company that purchases charged-off consumer receivables at deep discounts and works with individuals to collect repayments. It makes money primarily by buying distressed debt portfolios—including credit card, auto, telecom, and utility receivables—at steep discounts and collecting on them, supplemented by debt servicing fees for managing nonperforming loans for credit originators. The company's moat lies in its specialized expertise in valuing and collecting on distressed debt, its established relationships with credit originators, and its operational scale in managing large portfolios of charged-off receivables.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
JCAP leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). JPM leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 624.9x JCAP's $433M. Profitability is closely matched — net margins range from 24.3% (JCAP) to 21.6% (JPM).
| Metric | JCAPJefferson Capital… | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $433M | $270.8B |
| EBITDAEarnings before interest/tax | $137M | $81.3B |
| Net IncomeAfter-tax profit | $140M | $58.0B |
| Free Cash FlowCash after capex | $265M | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +71.2% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +50.8% | +27.7% |
| Net MarginNet income ÷ Revenue | +24.3% | +21.6% |
| FCF MarginFCF ÷ Revenue | +37.4% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | +16.0% |
Valuation Metrics
At 11.4x trailing earnings, JCAP trades at a 25% valuation discount to JPM's 15.2x P/E. On an enterprise value basis, JCAP's 10.4x EV/EBITDA is more attractive than JPM's 13.1x.
| Metric | JCAPJefferson Capital… | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $1.2B | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $2.4B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 11.40x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.29x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.17x |
| EV / EBITDAEnterprise value multiple | 10.40x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 2.78x | 2.99x |
| Price / BookPrice ÷ Book value/share | 3.14x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 7.42x | — |
Profitability & Efficiency
JCAP delivers a 32.0% return on equity — every $100 of shareholder capital generates $32 in annual profit, vs $16 for JPM. JPM carries lower financial leverage with a 2.18x debt-to-equity ratio, signaling a more conservative balance sheet compared to JCAP's 3.12x. On the Piotroski fundamental quality scale (0–9), JPM scores 5/9 vs JCAP's 4/9, reflecting solid financial health.
| Metric | JCAPJefferson Capital… | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +32.0% | +16.1% |
| ROA (TTM)Return on assets | +7.8% | +1.3% |
| ROICReturn on invested capital | +12.6% | +5.4% |
| ROCEReturn on capital employed | +16.6% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 3.12x | 2.18x |
| Net DebtTotal debt minus cash | $1.2B | $281.8B |
| Cash & Equiv.Liquid assets | $36M | $469.3B |
| Total DebtShort + long-term debt | $1.2B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 0.00x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $11,386 for JCAP. Over the past 12 months, JPM leads with a +15.7% total return vs JCAP's +13.9%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs JCAP's 4.4% — a key indicator of consistent wealth creation.
| Metric | JCAPJefferson Capital… | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -6.7% | -7.3% |
| 1-Year ReturnPast 12 months | +13.9% | +15.7% |
| 3-Year ReturnCumulative with dividends | +13.9% | +119.7% |
| 5-Year ReturnCumulative with dividends | +13.9% | +114.5% |
| 10-Year ReturnCumulative with dividends | +13.9% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +4.4% | +30.0% |
Risk & Volatility
JPM is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than JCAP's 1.36 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | JCAPJefferson Capital… | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.36x | 1.00x |
| 52-Week HighHighest price in past year | $23.80 | $337.25 |
| 52-Week LowLowest price in past year | $15.98 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +86.7% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 45.2 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 301K | 9.0M |
Analyst Outlook
Wall Street rates JCAP as "Buy" and JPM as "Buy". Consensus price targets imply 27.6% upside for JCAP (target: $26) vs 11.9% for JPM (target: $336). For income investors, JCAP offers the higher dividend yield at 2.99% vs JPM's 1.71%.
| Metric | JCAPJefferson Capital… | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $26.33 | $336.10 |
| # AnalystsCovering analysts | 9 | 60 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +1.7% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | $0.62 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.5% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Jefferson Capital, … (JCAP) | $2M | $433M | +24759.4% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Jefferson Capital, Inc. Common Stock's revenue grew from $2M (2015) to $433M (2024) — a 84.6% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 2Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Jefferson Capital, … (JCAP) | -168.8% | 24.3% | +114.4% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Jefferson Capital, Inc. Common Stock's net margin went from -169% (2015) to 24% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 3P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 4EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Jefferson Capital, … (JCAP) | -0.65 | 1.81 | +378.5% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Jefferson Capital, Inc. Common Stock's EPS grew from $-0.65 (2015) to $1.81 (2024). JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 5Free Cash Flow — 5 Years
Jefferson Capital, Inc. Common Stock generated $162M FCF in 2024 (+36% vs 2023). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
JCAP vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is JCAP or JPM a better buy right now?
Jefferson Capital, Inc. Common Stock (JCAP) offers the better valuation at 11.4x trailing P/E (7.3x forward), making it the more compelling value choice. Analysts rate Jefferson Capital, Inc. Common Stock (JCAP) a "Buy" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — JCAP or JPM?
On trailing P/E, Jefferson Capital, Inc. Common Stock (JCAP) is the cheapest at 11.4x versus JPMorgan Chase & Co. at 15.2x. On forward P/E, Jefferson Capital, Inc. Common Stock is actually cheaper at 7.3x.
03Which is the better long-term investment — JCAP or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to +13.9% for Jefferson Capital, Inc. Common Stock (JCAP). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus JCAP's +13.9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — JCAP or JPM?
By beta (market sensitivity over 5 years), JPMorgan Chase & Co. (JPM) is the lower-risk stock at 1.00β versus Jefferson Capital, Inc. Common Stock's 1.36β — meaning JCAP is approximately 35% more volatile than JPM relative to the S&P 500. On balance sheet safety, JPMorgan Chase & Co. (JPM) carries a lower debt/equity ratio of 2% versus 3% for Jefferson Capital, Inc. Common Stock — giving it more financial flexibility in a downturn.
05Which has better profit margins — JCAP or JPM?
Jefferson Capital, Inc. Common Stock (JCAP) is the more profitable company, earning 24.3% net margin versus 21.6% for JPMorgan Chase & Co. — meaning it keeps 24.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JCAP leads at 50.8% versus 27.7% for JPM. At the gross margin level — before operating expenses — JCAP leads at 71.2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is JCAP or JPM more undervalued right now?
On forward earnings alone, Jefferson Capital, Inc. Common Stock (JCAP) trades at 7.3x forward P/E versus 13.9x for JPMorgan Chase & Co. — 6.6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JCAP: 27.6% to $26.33.
07Which pays a better dividend — JCAP or JPM?
All stocks in this comparison pay dividends. Jefferson Capital, Inc. Common Stock (JCAP) offers the highest yield at 3.0%, versus 1.7% for JPMorgan Chase & Co. (JPM).
08Is JCAP or JPM better for a retirement portfolio?
For long-horizon retirement investors, JPMorgan Chase & Co. (JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.00), 1.7% yield, +497.7% 10Y return). Both have compounded well over 10 years (JPM: +497.7%, JCAP: +13.9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between JCAP and JPM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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