Jefferson Capital, Inc. (JCAP) vs The Western Union Company (WU)
Jefferson Capital, Inc. and The Western Union Company are both Credit Services companies. The Western Union Company is the larger, with a market value of $1.9B against $1.1B — 1.7× the size. The Western Union Company trades at the lower P/E: 4.9× against 7.9×. Jefferson Capital, Inc. grew revenue faster over the last twelve months: 26.4% against −1.63%. Jefferson Capital, Inc. has the higher net margin (20.1% vs 9.79%) and the higher return on invested capital (42.0% vs 14.9%). Across the 19 metrics below, Jefferson Capital, Inc. leads on 10 and The Western Union Company on 9.
Valuation
Profitability
| Metric | JCAP | WU | Credit Services median |
|---|---|---|---|
| Gross margin | 64.54% | 35.09% | 77.13% |
| Operating margin | 45.82% | 15.91% | 0.34% |
| Net margin | 20.06% | 9.79% | 9.25% |
| Free cash flow margin | 33.30% | 10.51% | 13.03% |
| Return on equity | 29.83% | 43.97% | 8.49% |
| Return on assets | 6.87% | 4.96% | 2.29% |
| Return on invested capital | 41.96% | 14.91% | 4.09% |
Growth
Health
Dividend
Size
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