Go Pro

Jernigan Capital (JCAP) Competitors

Jernigan Capital logo
$21.55 -0.12 (-0.55%)
As of 09/9/2026 04:00 PM Eastern

JCAP vs. DAVE, NNI, BFH, UPST, and LC

Should you buy Jernigan Capital stock or one of its competitors? Jernigan Capital's main competitors and comparable companies include Dave (DAVE), Nelnet (NNI), Bread Financial (BFH), Upstart (UPST), and LendingClub (LC). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Jernigan Capital compare to Dave?

Dave (NASDAQ:DAVE) and Jernigan Capital (NASDAQ:JCAP) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, profitability, risk, analyst recommendations, institutional ownership and media sentiment.

Dave has a net margin of 34.58% compared to Jernigan Capital's net margin of 23.50%. Dave's return on equity of 77.46% beat Jernigan Capital's return on equity.

Company Net Margins Return on Equity Return on Assets
Dave34.58% 77.46% 40.44%
Jernigan Capital 23.50%35.87%8.16%

Dave currently has a consensus price target of $418.25, indicating a potential upside of 15.58%. Jernigan Capital has a consensus price target of $27.50, indicating a potential upside of 27.61%. Given Jernigan Capital's higher probable upside, analysts clearly believe Jernigan Capital is more favorable than Dave.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Dave
0 Sell rating(s)
3 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.88
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71

18.0% of Dave shares are owned by institutional investors. 23.6% of Dave shares are owned by company insiders. Comparatively, 8.3% of Jernigan Capital shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Dave has a beta of 3.83, meaning that its stock price is 283% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.14, meaning that its stock price is 114% less volatile than the broader market.

In the previous week, Dave had 6 more articles in the media than Jernigan Capital. MarketBeat recorded 7 mentions for Dave and 1 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 1.34 beat Dave's score of 0.27 indicating that Jernigan Capital is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Dave
2 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Neutral
Jernigan Capital
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Dave has higher earnings, but lower revenue than Jernigan Capital. Jernigan Capital is trading at a lower price-to-earnings ratio than Dave, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Dave$554.20M8.33$195.87M$15.4223.47
Jernigan Capital$613.29M2.02$187.96M$2.458.80

Summary

Dave beats Jernigan Capital on 13 of the 16 factors compared between the two stocks.

How does Jernigan Capital compare to Nelnet?

Nelnet (NYSE:NNI) and Jernigan Capital (NASDAQ:JCAP) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, profitability, media sentiment, valuation, risk, dividends and analyst recommendations.

Nelnet has higher revenue and earnings than Jernigan Capital. Jernigan Capital is trading at a lower price-to-earnings ratio than Nelnet, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Nelnet$2.26B1.99$428.47M$8.3615.03
Jernigan Capital$613.29M2.02$187.96M$2.458.80

Nelnet currently has a consensus price target of $140.00, suggesting a potential upside of 11.43%. Jernigan Capital has a consensus price target of $27.50, suggesting a potential upside of 27.61%. Given Jernigan Capital's stronger consensus rating and higher possible upside, analysts plainly believe Jernigan Capital is more favorable than Nelnet.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Nelnet
1 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.67
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71

Nelnet pays an annual dividend of $1.32 per share and has a dividend yield of 1.1%. Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.5%. Nelnet pays out 15.8% of its earnings in the form of a dividend. Jernigan Capital pays out 39.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Jernigan Capital has a net margin of 23.50% compared to Nelnet's net margin of 14.35%. Jernigan Capital's return on equity of 35.87% beat Nelnet's return on equity.

Company Net Margins Return on Equity Return on Assets
Nelnet14.35% 8.26% 2.11%
Jernigan Capital 23.50%35.87%8.16%

Nelnet has a beta of 0.76, suggesting that its share price is 24% less volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.14, suggesting that its share price is 114% less volatile than the broader market.

33.5% of Nelnet shares are held by institutional investors. 40.3% of Nelnet shares are held by insiders. Comparatively, 8.3% of Jernigan Capital shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

In the previous week, Nelnet and Nelnet both had 1 articles in the media. Jernigan Capital's average media sentiment score of 1.34 beat Nelnet's score of 0.00 indicating that Jernigan Capital is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Nelnet
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Jernigan Capital
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Jernigan Capital beats Nelnet on 10 of the 18 factors compared between the two stocks.

How does Jernigan Capital compare to Bread Financial?

Jernigan Capital (NASDAQ:JCAP) and Bread Financial (NYSE:BFH) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, media sentiment, valuation, risk, earnings, analyst recommendations and profitability.

Bread Financial has higher revenue and earnings than Jernigan Capital. Bread Financial is trading at a lower price-to-earnings ratio than Jernigan Capital, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Jernigan Capital$613.29M2.02$187.96M$2.458.80
Bread Financial$4.70B0.88$518M$12.828.37

Jernigan Capital has a net margin of 23.50% compared to Bread Financial's net margin of 11.95%. Jernigan Capital's return on equity of 35.87% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Jernigan Capital23.50% 35.87% 8.16%
Bread Financial 11.95%18.42%2.76%

Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.5%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Jernigan Capital pays out 39.2% of its earnings in the form of a dividend. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

In the previous week, Bread Financial had 5 more articles in the media than Jernigan Capital. MarketBeat recorded 6 mentions for Bread Financial and 1 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 1.34 beat Bread Financial's score of 1.19 indicating that Jernigan Capital is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Jernigan Capital
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
4 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Jernigan Capital has a beta of -0.14, indicating that its share price is 114% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, indicating that its share price is 10% more volatile than the broader market.

99.5% of Bread Financial shares are owned by institutional investors. 8.3% of Jernigan Capital shares are owned by company insiders. Comparatively, 1.3% of Bread Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Jernigan Capital currently has a consensus target price of $27.50, suggesting a potential upside of 27.61%. Bread Financial has a consensus target price of $112.08, suggesting a potential upside of 4.49%. Given Jernigan Capital's stronger consensus rating and higher possible upside, equities research analysts clearly believe Jernigan Capital is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71
Bread Financial
1 Sell rating(s)
5 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.60

Summary

Jernigan Capital beats Bread Financial on 10 of the 18 factors compared between the two stocks.

How does Jernigan Capital compare to Upstart?

Jernigan Capital (NASDAQ:JCAP) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, media sentiment, valuation, earnings, risk and dividends.

In the previous week, Upstart had 7 more articles in the media than Jernigan Capital. MarketBeat recorded 8 mentions for Upstart and 1 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 1.34 beat Upstart's score of 0.89 indicating that Jernigan Capital is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Jernigan Capital
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Upstart
5 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Jernigan Capital has a beta of -0.14, meaning that its share price is 114% less volatile than the broader market. Comparatively, Upstart has a beta of 2.16, meaning that its share price is 116% more volatile than the broader market.

Jernigan Capital has higher earnings, but lower revenue than Upstart. Jernigan Capital is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Jernigan Capital$613.29M2.02$187.96M$2.458.80
Upstart$1.04B2.41$53.60M$0.4952.84

Jernigan Capital currently has a consensus price target of $27.50, indicating a potential upside of 27.61%. Upstart has a consensus price target of $43.75, indicating a potential upside of 68.98%. Given Upstart's higher possible upside, analysts plainly believe Upstart is more favorable than Jernigan Capital.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35

Jernigan Capital has a net margin of 23.50% compared to Upstart's net margin of 4.84%. Jernigan Capital's return on equity of 35.87% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Jernigan Capital23.50% 35.87% 8.16%
Upstart 4.84%7.13%1.82%

63.0% of Upstart shares are held by institutional investors. 8.3% of Jernigan Capital shares are held by company insiders. Comparatively, 17.3% of Upstart shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Upstart beats Jernigan Capital on 9 of the 17 factors compared between the two stocks.

How does Jernigan Capital compare to LendingClub?

LendingClub (NYSE:LC) and Jernigan Capital (NASDAQ:JCAP) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, profitability, media sentiment, earnings, institutional ownership, risk, analyst recommendations and valuation.

Jernigan Capital has a net margin of 23.50% compared to LendingClub's net margin of 16.99%. Jernigan Capital's return on equity of 35.87% beat LendingClub's return on equity.

Company Net Margins Return on Equity Return on Assets
LendingClub16.99% 11.92% 1.55%
Jernigan Capital 23.50%35.87%8.16%

In the previous week, Jernigan Capital had 1 more articles in the media than LendingClub. MarketBeat recorded 1 mentions for Jernigan Capital and 0 mentions for LendingClub. Jernigan Capital's average media sentiment score of 1.34 beat LendingClub's score of 0.91 indicating that Jernigan Capital is being referred to more favorably in the news media.

Company Overall Sentiment
LendingClub Positive
Jernigan Capital Positive

LendingClub has a beta of 1.98, meaning that its stock price is 98% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.14, meaning that its stock price is 114% less volatile than the broader market.

Jernigan Capital has lower revenue, but higher earnings than LendingClub. Jernigan Capital is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
LendingClub$1.03B2.14$135.68M$1.4912.89
Jernigan Capital$613.29M2.02$187.96M$2.458.80

74.1% of LendingClub shares are held by institutional investors. 3.2% of LendingClub shares are held by insiders. Comparatively, 8.3% of Jernigan Capital shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

LendingClub currently has a consensus target price of $23.07, suggesting a potential upside of 20.10%. Jernigan Capital has a consensus target price of $27.50, suggesting a potential upside of 27.61%. Given Jernigan Capital's higher possible upside, analysts clearly believe Jernigan Capital is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71

Summary

Jernigan Capital beats LendingClub on 9 of the 16 factors compared between the two stocks.

Get Jernigan Capital News Delivered to You Automatically

Sign up to receive the latest news and ratings for JCAP and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding JCAP and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip Chart

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
Skip Chart

JCAP vs. The Competition

MetricJernigan CapitalConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$1.24B$7.34B$14.04B$12.88B
Dividend Yield4.43%12.70%5.91%9.95%
P/E Ratio8.809.0625.7825.29
Price / Sales2.0277.73504.28118.17
Price / Cash6.3311.6740.7052.32
Price / Book2.642.622.766.26
Net Income$187.96M$442.63M$1.32B$357.86M
7 Day Performance0.80%-0.42%2.43%-0.59%
1 Month Performance2.18%-1.05%0.67%-1.07%
1 Year Performance19.19%7.43%10.54%11.31%

Jernigan Capital Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
JCAP
Jernigan Capital
4.9444 of 5 stars
$21.55
-0.6%
$27.50
+27.6%
+15.4%$1.24B$613.29M8.801,120
DAVE
Dave
3.3822 of 5 stars
$390.86
+4.8%
$410.82
+5.1%
+66.6%$4.76B$554.20M25.35250
NNI
Nelnet
2.7812 of 5 stars
$127.17
-0.1%
$140.00
+10.1%
+0.5%$4.55B$2.26B15.215,744
BFH
Bread Financial
3.6059 of 5 stars
$108.83
+2.2%
$112.08
+3.0%
+66.8%$4.09B$4.70B7.706,000
UPST
Upstart
4.2194 of 5 stars
$28.52
+1.2%
$44.40
+55.7%
-62.4%$2.74B$1.04B58.691,405

Related Companies and Tools


This page (NASDAQ:JCAP) was last updated on 9/10/2026 by MarketBeat.com Staff.
From Our Partners