NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-08-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisManagement screens strong on capital allocation, margins.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskMostly healthy — no soft spokes
JCAP's growth in portfolio collections and deployments must continue to justify its price. Revenue grew 16% year over year, and the latest quarter beat expectations. It trades at 2.5× price-to-book versus a 1.5× peer median, indicating the price reflects less growth than forecast. If JCAP cuts guidance on the next call, that would be a meaningful negative. Peer multiples imply a price roughly in line with where it trades (about fair). This read is provisional.
Trailing returns as of 2026-08-31. JCAP is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 5 analysts currently covering JCAP (as of Aug 2026).
Based on 3 Wall Street analysts offering 12-month price targets for JCAP in the last 4 months.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-08-31. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Advances: Maintain EPS guidance of $0.61 for Q2 2026
Q2 EPS exceeds guidance, supporting growth objectives.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-08-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $20.81
The last 12 months of price, then the range of analyst 12-month targets from today’s $20.81.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Grow portfolio collections and deployments
Record deployments support growth in portfolio collections.
Advances: Grow portfolio collections and deployments
Significant expected collections boost growth potential.
Strong earnings support EPS guidance for 2026.
Earnings call provides insights on future performance.
Beating EPS forecast indicates strong operational performance.
