COMP <GO>
JCAP vs BAC // GROSS PROFIT MARGIN
Jefferson Capital Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: JCAP 9
— BAC 1
■ METRIC PARITY
LAST: $19.93 (+2.52%) • MKT CAP: $1.14B
gross-margins
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (JCAP VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | JCAP | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 55.20% | 2.50% | +52.70 | JCAP | /roic <GO> |
| EV/EBITDA & P/E Valuation | 3.5x | 30.2x | -26.70 | JCAP | /valuation <GO> |
| Free Cash Flow Yield | 23.49% | 2.10% | +21.39 | JCAP | /fcf-yield <GO> |
| Operating Margin | 51.60% | 32.90% | +18.70 | JCAP | /operating-margins <GO> |
| Net Profit Margin | 30.60% | 27.00% | +3.60 | JCAP | /net-margins <GO> |
| Revenue Growth (YoY) | 41.50% | 6.80% | +34.70 | JCAP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 5.54% | 0.00% | +5.54 | JCAP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.3 | 38.3 | +5.00 | JCAP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.1x | 10.9x | -5.80 | JCAP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.14B | $357.61B | -$356.46B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | JCAP REV | BAC REV | JCAP GROSS % | BAC GROSS % | JCAP FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $613.3M | $113.10B | — | — | $268.8M | $7.52B |
| FY 2024 | $433.3M | $105.86B | — | — | $168.2M | -$13.57B |
| FY 2023 | $323.1M | $102.77B | — | — | $120.2M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
JCAP // BETA —
BAC // BETA 0.90