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Screener Weekly Summary Pricing

Jefferson Capital, Inc. (JCAP) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

Jefferson Capital, Inc. and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Jefferson Capital, Inc. is the larger, with a market value of $1.1B against $914.3M — 1.2× the size. Qfin Holdings Inc. - Sponsored ADR trades at the lower P/E: 1.7× against 7.9×. Jefferson Capital, Inc. grew revenue faster over the last twelve months: 26.4% against −4.44%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs 20.1%) and the lower return on invested capital (17.1% vs 42.0%). Across the 18 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 12 and Jefferson Capital, Inc. on 6.

Valuation

Metric JCAP QFIN Credit Services median
P/E 7.90 1.72 9.64
P/S 1.63 0.36 0.87
P/B 2.26 0.26 1.16
Price to free cash flow 4.89 0.72 2.99
EV/EBITDA 3.34 n/m 9.58
EV/Sales 1.59 (0.08) 2.32
Earnings yield 12.66% 58.08% 6.72%
Free cash flow yield 20.45% 138.03% 12.33%

Profitability

Metric JCAP QFIN Credit Services median
Gross margin 64.54% 82.15% 77.13%
Operating margin 45.82% 31.53% 0.34%
Net margin 20.06% 22.49% 9.25%
Free cash flow margin 33.30% 52.61% 13.03%
Return on equity 29.83% 0.00% 8.49%
Return on assets 6.87% 6.86% 2.29%
Return on invested capital 41.96% 17.05% 4.09%

Growth

Metric JCAP QFIN Credit Services median
Revenue growth (TTM) 26.35% (4.44%) 4.62%
EPS growth (last fiscal year) — 11.31% —
Revenue growth, 5-year CAGR — 5.73% 9.13%
Net income growth, 5-year CAGR — 9.83% 0.00%

Health

Metric JCAP QFIN Credit Services median
Debt to equity 0.00 0.12 0.68
Current ratio 0.03 2.17 1.55
Net debt to EBITDA (0.14) (1.04) 0.13

Dividend

Metric JCAP QFIN Credit Services median
Dividend yield — 6.99% 3.34%
Payout ratio — 0.15 0.00

Size

Metric JCAP QFIN Credit Services median
Market cap 1.12b 914.32m 872.19m

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