WallStSmart

Jefferson Capital, Inc. Common Stock (JCAP)vsVisa Inc. Class A (V)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Visa Inc. Class A generates 6780% more annual revenue ($43.03B vs $625.35M). V leads profitability with a 51.7% profit margin vs 25.8%. JCAP trades at a lower P/E of 3.7x. V earns a higher WallStSmart Score of 72/100 (B).

JCAP

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 9.5Value: 6.7Quality: 5.5
Piotroski: 5/9Altman Z: 1.20

V

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 10.0Value: 4.3Quality: 5.5
Piotroski: 4/9Altman Z: 1.84

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JCAP5 strengths · Avg: 9.4/10
P/E RatioValuation
3.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
36.4%10/10

Every $100 of equity generates 36 in profit

Operating MarginProfitability
47.3%10/10

Strong operational efficiency at 47.3%

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

V6 strengths · Avg: 9.3/10
Market CapQuality
$672.11B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
62.4%10/10

Every $100 of equity generates 62 in profit

Profit MarginProfitability
51.7%10/10

Keeps 52 of every $100 in revenue as profit

Operating MarginProfitability
67.3%10/10

Strong operational efficiency at 67.3%

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
35.5%8/10

Earnings expanding 35.5% YoY

Areas to Watch

JCAP4 concerns · Avg: 2.5/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.19B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

Debt/EquityHealth
3.251/10

Elevated debt levels

V4 concerns · Avg: 4.0/10
PEG RatioValuation
1.564/10

Expensive relative to growth rate

P/E RatioValuation
31.1x4/10

Premium valuation, high expectations priced in

Price/BookValuation
19.8x4/10

Trading at 19.8x book value

Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : V

The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.

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 : V

The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.

Key Dynamics to Monitor

JCAP profiles as a mature stock while V is a growth play — different risk/reward profiles.

V is growing revenue faster at 17.1% — sustainability is the question.

V generates stronger free cash flow (2.6B), providing more financial flexibility.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

V scores higher overall (72/100 vs 67/100), backed by strong 51.7% margins and 17.1% revenue growth. 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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