JCAP vs LOB
JCAP: Jefferson Capital purchases distressed consumer debt portfolios at steep discounts and manages collections to recover value across credit cards, autos, utilities, and other receivables. LOB: A technology-driven bank holding company specializing in national small business lending and deposit gathering, primarily through SBA and USDA-guaranteed loan programs.
Side-by-side fundamentals
| Metric | JCAP | LOB | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $19.13 | $42.65 | |
| Market cap as of 2026-07-24 | $1.2B | $1.9B | |
| P/E as of 2026-07-24 | 7.37 | 15.25 | JCAP lower |
| PEG as of 2026-07-24 | 0.11 | 0.11 | JCAP lower |
| Net margin as of 2026-07-24 | +25.4% | +13.5% | JCAP higher |
| Gross margin as of 2026-07-24 | +66.9% | n/a | |
| Operating margin as of 2026-07-24 | +48.4% | +14.9% | JCAP higher |
| ROE as of 2026-07-24 | +36.5% | +10.5% | JCAP higher |
| ROA as of 2026-07-24 | +8.3% | +0.9% | JCAP higher |
| Debt / equity as of 2026-07-24 | 3.24 | 0.08 | LOB lower |
| Revenue growth (YoY) as of 2026-07-24 | n/a | +59.6% | |
| Revenue CAGR (3y) SEC XBRL | +37.8% | n/a | |
| Dividend yield as of 2026-07-24 | +5.0% | +0.3% | JCAP higher |
| Dividend streak (yrs) SEC XBRL | 1 | 5 | LOB higher |
| Beta as of 2026-07-24 | 0.84 | 1.89 | |
| 1-year return as of 2026-07-23 close | +14.1% | +31.8% | LOB higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.