JCAP vs OPFI
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. OPFI: A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance.
Side-by-side fundamentals
| Metric | JCAP | OPFI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $19.30 | $9.24 | |
| Market cap as of 2026-07-23 | $1.2B | $1.3B | |
| P/E as of 2026-07-23 | 7.42 | 20.14 | JCAP lower |
| PEG as of 2026-07-23 | 0.11 | n/a | |
| Net margin as of 2026-07-23 | +25.4% | +10.9% | JCAP higher |
| Gross margin as of 2026-07-23 | +66.9% | +98.9% | OPFI higher |
| Operating margin as of 2026-07-23 | +48.4% | +26.2% | JCAP higher |
| ROE as of 2026-07-23 | +36.5% | +134.3% | OPFI higher |
| ROA as of 2026-07-23 | +8.3% | +9.2% | OPFI higher |
| Debt / equity as of 2026-07-23 | 3.24 | 3.76 | JCAP lower |
| Revenue growth (YoY) as of 2026-07-23 | n/a | +12.9% | |
| Revenue CAGR (3y) SEC XBRL | +37.8% | n/a | |
| Dividend yield as of 2026-07-23 | +5.0% | +0.5% | JCAP higher |
| Dividend streak (yrs) SEC XBRL | 1 | 2 | OPFI higher |
| Beta as of 2026-07-23 | 0.84 | 1.84 | |
| 1-year return as of 2026-07-22 close | +16.0% | -18.1% | JCAP higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
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.