Jefferson Capital, Inc. Common Stock (JCAP)vsVisa Inc. Class A (V)
JCAP
Jefferson Capital, Inc. Common Stock
$19.47
+0.88%
FINANCIAL SERVICES · Cap: $1.08B
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 6716% more annual revenue ($41.39B vs $607.29M). V leads profitability with a 50.2% profit margin vs 30.9%. JCAP trades at a lower P/E of 3.5x. JCAP earns a higher WallStSmart Score of 69/100 (B-).
JCAP
Strong Buy69
out of 100
Grade: B-
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.5%
Fair Value
$38.35
Current Price
$19.47
$18.88 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 44 in profit
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 105.8%
Reasonable price relative to book value
Revenue surging 27.7% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : JCAP
The strongest argument for JCAP centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.9% and operating margin at 105.8%. Revenue growth of 27.7% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
JCAP profiles as a growth stock while V is a mature play — different risk/reward profiles.
JCAP is growing revenue faster at 27.7% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JCAP scores higher overall (69/100 vs 68/100), backed by strong 30.9% margins and 27.7% revenue growth. V offers better value entry with a 17.4% margin of safety. 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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