Jefferson Capital, Inc. Common Stock (JCAP)vsPayPal Holdings Inc (PYPL)
JCAP
Jefferson Capital, Inc. Common Stock
$20.36
-0.83%
FINANCIAL SERVICES · Cap: $1.19B
PYPL
PayPal Holdings Inc
$58.35
+0.05%
FINANCIAL SERVICES · Cap: $49.89B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 5294% more annual revenue ($33.73B vs $625.35M). JCAP leads profitability with a 25.8% profit margin vs 15.0%. JCAP trades at a lower P/E of 3.7x. PYPL earns a higher WallStSmart Score of 68/100 (B-).
JCAP
Strong Buy67
out of 100
Grade: B-
PYPL
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 36 in profit
Strong operational efficiency at 47.3%
Keeps 26 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : JCAP
The strongest argument for JCAP centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 47.3%. Revenue growth of 11.9% demonstrates continued momentum.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, Price/Book. PEG of 1.02 suggests the stock is reasonably priced for its growth.
Bear Case : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap, Altman Z-Score. Debt-to-equity of 3.25 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
JCAP profiles as a mature stock while PYPL is a value play — different risk/reward profiles.
JCAP is growing revenue faster at 11.9% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (68/100 vs 67/100). Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Jefferson Capital, Inc. Common Stock
FINANCIAL SERVICES · CREDIT SERVICES · USA
Jernigan Capital is a real estate investment trust listed on the New York Stock Exchange (NYSE: JCAP) that provides debt and equity capital to private developers, owners and operators of storage facilities with a view to eventual freehold ownership of the facilities financed by the Company.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?