stockrowJefferson Capital, Inc. (JCAP) vs Upstart Holdings, Inc. (UPST)
- Jefferson Capital, Inc. JCAP 20.37 −2.16%
- Upstart Holdings, Inc. UPST 22.73 +2.66%
Jefferson Capital, Inc. and Upstart Holdings, Inc. are both Credit Services companies. Upstart Holdings, Inc. is the larger, with a market value of $2.2B against $1.2B — 1.8× the size. Jefferson Capital, Inc. trades at the lower P/E: 8.5× against 38.2×. Jefferson Capital, Inc. grew revenue faster over the last twelve months: 26.4% against 8.73%. Jefferson Capital, Inc. has the higher net margin (22.3% vs 4.82%) and the higher return on invested capital (42.0% vs 1.53%). Across the 16 metrics below, Jefferson Capital, Inc. leads on 14 and Upstart Holdings, Inc. on 2.
Valuation
Profitability
| Metric | JCAP | UPST | Credit Services median |
|---|---|---|---|
| Gross margin | 64.54% | 82.26% | 76.61% |
| Operating margin | 45.82% | 3.24% | 0.34% |
| Net margin | 22.32% | 4.82% | 8.35% |
| Free cash flow margin | 33.30% | (11.15%) | 8.73% |
| Return on equity | 33.19% | 7.20% | 9.05% |
| Return on assets | 7.64% | 1.89% | 1.94% |
| Return on invested capital | 41.96% | 1.53% | 4.56% |
Growth
Health
Dividend
Size
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