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Jefferson Capital, Inc. (JCAP) vs Lufax Holding Ltd. Sponsored ADR (LU)

Jefferson Capital, Inc. and Lufax Holding Ltd. Sponsored ADR are both Credit Services companies. Jefferson Capital, Inc. is the larger, with a market value of $1.2B against $740.9M — 1.6× the size. Lufax Holding Ltd. Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; Jefferson Capital, Inc. trades at 8.4×. Jefferson Capital, Inc. grew revenue faster over the last twelve months: 26.4% against −22.5%. Jefferson Capital, Inc. has the higher net margin (20.1% vs −13.3%) and the higher return on invested capital (42.0% vs 9.42%). Across the 16 metrics below, Jefferson Capital, Inc. leads on 10 and Lufax Holding Ltd. Sponsored ADR on 6.

Valuation

Metric JCAP LU Credit Services median
P/E 8.38 n/m 9.39
P/S 1.73 0.19 0.86
P/B 2.39 0.05 1.16
Price to free cash flow 5.19 8.16 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.93% (70.11%) 6.55%
Free cash flow yield 19.27% 12.26% 12.26%

Profitability

Metric JCAP LU Credit Services median
Gross margin 64.54% 100.00% 77.13%
Operating margin 45.82% 49.67% 0.34%
Net margin 20.06% (13.30%) 9.25%
Free cash flow margin 33.30% 2.34% 12.91%
Return on equity 29.83% (3.83%) 8.49%
Return on assets 6.87% (1.50%) 2.16%
Return on invested capital 41.96% 9.42% 4.09%

Growth

Metric JCAP LU Credit Services median
Revenue growth (TTM) 26.35% (22.46%) 4.62%
EPS growth (last fiscal year) — 55.84% 21.94%
Revenue growth, 5-year CAGR — (12.93%) 9.13%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric JCAP LU Credit Services median
Debt to equity 0.00 0.89 0.68
Current ratio 0.03 1.72 1.55
Net debt to EBITDA (0.14) (1.19) 0.13

Dividend

Metric JCAP LU Credit Services median
Dividend yield — 0.00% 1.64%
Payout ratio — — 0.22

Size

Metric JCAP LU Credit Services median
Market cap 1.19b 740.85m 751.08m

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