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JCAP

Jefferson CapitalB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Sustained collections, deployments, ERC growth, strong cash efficiency, and improving leverage could support continued earnings growth and strategic flexibility. Auto finance may expand the addressable portfolio opportunity.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -6.4.
What can break
Collection performance or underwriting could weaken if consumer-credit conditions deteriorate.
Momentum
69
Value
64
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $21.67 · Bull $28.29 · Bear $17.50Analysis 2026-09-02; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-09-02 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $28.29
Why
Momentum69 · Δ7d -3.0
Value64 · Δ7d 0.0
Sentiment65 · Δ7d -6.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -6.4.

Contradictions & invalidation

  • • Collection performance or underwriting could weaken if consumer-credit conditions deteriorate.
  • • Growth through portfolio deployments may increase execution and credit-risk exposure.
  • • Returns depend on continued collection performance and disciplined underwriting.

Catalyst clock

2026-08-13

Q2 operating momentum

Lead driver: Sentiment · See AI snapshot
Momentum
69
9% active weight
Current posture
7d trendSoftening
Δ7d
-3.0
Δ21d
-19.2
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.0
Sentiment
65
62% active weight
Current posture
7d trendSoftening
Δ7d
-6.4
Δ21d
-11.9
Why this grade

Composite grade B. Momentum 69.3 / Value 64.1 / Sentiment 65.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-09-02. Scenario method

B+
Bull case
25%
Probability
Target price
$28.29
Analysis reference price unavailable
Analysis 2026-09-02 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$21.67
Analysis reference price unavailable
Analysis 2026-09-02 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$17.50
Analysis reference price unavailable
Analysis 2026-09-02 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.36B
Beta
-
Shares Out
57.43M
P/E (TTM) · Derived
3.8
P/S (TTM)
-
P/FCF (TTM) · Derived
8.51
Rev YoY
+16.3%
EPS YoY
-18.1%
Gross Margin
+64.3%
Op Margin
+45.8%
Net Debt
$1.37B
Current Ratio
0.11
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data