Jefferson Capital, Inc. Common Stock (JCAP) P/E Ratio History
Historical price-to-earnings valuation from 2025 to 2025
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Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of March 2, 2026, Jefferson Capital, Inc. Common Stock (JCAP) trades at a price-to-earnings ratio of 11.4x, with a stock price of $20.63 and trailing twelve-month earnings per share of $6.84.
The current P/E is 28% above its 5-year average of 8.9x. Over the past five years, JCAP's P/E has ranged from a low of 7.2x to a high of 10.7x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, JCAP trades at a 17% discount to its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
Relative to the broader market, JCAP trades at a notable discount to the S&P 500 median P/E of 26.2x. 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.
Peer Comparison
P/E metrics vs. Debt Collection and Collateral Lending peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
FCFSFirstCash Holdings, Inc | $8B | 26.0 | 1.10Best | +29% |
EZPWEZCORP, Inc. | $2B | 18.7 | - | +29% |
JCAPJefferson Capital, Inc. Common Stock | $1B | 11.4 | - | -5% |
PRAAPRA Group, Inc. | $616M | 8.8Lowest | - | +184%Best |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $17.26 | $2.41 | 7.2x | -20% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $18.45 | $1.73 | 10.7x | +20% |
Average P/E for displayed period: 8.9x
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Start ComparisonFrequently Asked Questions
Is JCAP stock overvalued or undervalued?
JCAP trades at 11.4x P/E, above its 5-year average of 8.9x. The 100th percentile ranking indicates a premium to historical valuation.
How does JCAP's valuation compare to peers?
Jefferson Capital, Inc. Common Stock P/E of 11.4x compares to sector median of 13.8x. The discount suggests lower growth expectations or higher risk.
What is JCAP's PEG ratio?
JCAP PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2025-2025.