Jefferson Capital, Inc. / DE vs National Rural Utilities Cooperative Finance
JCAP and NRUC side by side, both in non-depository credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How JCAP and NRUC compare
Jefferson Capital, Inc. / DE grew revenue faster over the last twelve months (22.8% versus 19.6% for National Rural Utilities Cooperative Finance).
National Rural Utilities Cooperative Finance keeps more of each dollar of sales as profit, with a net margin of 71.5% compared with 23.5% at Jefferson Capital, Inc. / DE.
Both pay dividends: Jefferson Capital, Inc. / DE yields 4.8% and National Rural Utilities Cooperative Finance 5.3%.
Jefferson Capital, Inc. / DE scores higher on the StockData Score (11 against 6 for National Rural Utilities Cooperative Finance), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | JCAP | NRUC |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | – |
| Share price | $19.94 | $19.40 |
| Change, 1 year | −1.4% | −17.8% |
| Change, 5 years | −0.35% | −28.8% |
| Beta (5Y) | 0.57 | 0.30 |
| Employees | 1,120 | 320 |
| StockData Score | ||
| Total score | 11 (better) | 6 |
| Valuation score | 3 (better) | 0 |
| Growth score | 1 | 1 |
| Performance score | 3 (better) | 1 |
| Health score | 0 | 1 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 8.1× | – |
| P/S | 1.7× | – |
| P/B | 2.4× | – |
| EV/EBITDA | 3.7× | – |
| Fair value | $33.52 | – |
| Margin of safety | 40.5% | – |
| Growth | ||
| Revenue growth (TTM) | 22.8% (better) | 19.6% |
| Revenue growth, 5Y average | – | −15.2% |
| Net income growth (TTM) | −11.8% | 27.2% (better) |
| Profitability | ||
| Operating margin | 45.8% | – |
| Net margin | 23.5% | 71.5% (better) |
| FCF margin | – | 65.2% |
| Return on equity | 35.0% (better) | 12.3% |
| Return on invested capital | 59.3% | – |
| Financial health | ||
| Debt / equity | – | 1.42 |
| Interest coverage | 2.6× | – |
| Altman Z-score | 1.57 | – |
| Dividends and buybacks | ||
| Dividend yield | 4.8% | 5.3% (better) |
| Payout ratio | 39.1% | – |
| Years of dividend growth | 0 | – |
| Shareholder yield | 4.8% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 39.8% | – |
| Insider net buying, 12 months | −$225M | – |
Go deeper
- JCAP stock overview
- JCAP income statement
- JCAP valuation and score
- NRUC stock overview
- NRUC income statement
- NRUC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.