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Jernigan Capital (JCAP) Competitors

Jernigan Capital logo
$20.88 +1.42 (+7.30%)
As of 11/13/2026 04:00 PM Eastern

JCAP vs. NNI, ENVA, BFH, DAVE, and SLM

Should you buy Jernigan Capital stock or one of its competitors? Jernigan Capital's main competitors and comparable companies include Nelnet (NNI), Enova International (ENVA), Bread Financial (BFH), Dave (DAVE), and SLM (SLM). 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 Nelnet?

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

33.5% of Nelnet shares are owned by institutional investors. 8.3% of Jernigan Capital shares are owned by insiders. Comparatively, 40.3% of Nelnet shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Jernigan Capital currently has a consensus price target of $27.50, indicating a potential upside of 31.70%. Nelnet has a consensus price target of $125.00, indicating a potential downside of 1.61%. 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
Jernigan Capital
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86
Nelnet
0 Sell rating(s)
3 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Jernigan Capital has a net margin of 23.55% compared to Nelnet's net margin of 12.93%. Jernigan Capital's return on equity of 34.37% beat Nelnet's return on equity.

Company Net Margins Return on Equity Return on Assets
Jernigan Capital23.55% 34.37% 7.66%
Nelnet 12.93%7.15%1.82%

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
Jernigan Capital$613.29M1.96$187.96M$2.458.52
Nelnet$2.26B1.98$428.47M$7.5516.83

Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.6%. Nelnet pays an annual dividend of $1.32 per share and has a dividend yield of 1.0%. Jernigan Capital pays out 39.2% of its earnings in the form of a dividend. Nelnet pays out 17.5% 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, Nelnet had 1 more articles in the media than Jernigan Capital. MarketBeat recorded 7 mentions for Nelnet and 6 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 0.95 beat Nelnet's score of 0.63 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
2 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Nelnet
2 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Jernigan Capital has a beta of -0.05, meaning that its stock price is 105% less volatile than the broader market. Comparatively, Nelnet has a beta of 0.78, meaning that its stock price is 22% less volatile than the broader market.

Summary

Nelnet beats Jernigan Capital on 10 of the 19 factors compared between the two stocks.

How does Jernigan Capital compare to Enova International?

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

89.4% of Enova International shares are owned by institutional investors. 8.3% of Jernigan Capital shares are owned by company insiders. Comparatively, 8.4% of Enova International shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Jernigan Capital has a net margin of 23.55% compared to Enova International's net margin of 10.47%. Jernigan Capital's return on equity of 34.37% beat Enova International's return on equity.

Company Net Margins Return on Equity Return on Assets
Jernigan Capital23.55% 34.37% 7.66%
Enova International 10.47%27.25%5.60%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Jernigan Capital$613.29M1.96$187.96M$2.458.52
Enova International$3.65B1.14$308.39M$14.5211.72

In the previous week, Enova International had 5 more articles in the media than Jernigan Capital. MarketBeat recorded 11 mentions for Enova International and 6 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 0.95 beat Enova International's score of 0.60 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
2 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Enova International
2 Very Positive mention(s)
2 Positive mention(s)
6 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Jernigan Capital presently has a consensus target price of $27.50, indicating a potential upside of 31.70%. Enova International has a consensus target price of $239.00, indicating a potential upside of 40.46%. Given Enova International's higher possible upside, analysts plainly believe Enova International is more favorable than Jernigan Capital.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jernigan Capital
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86
Enova International
0 Sell rating(s)
2 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.78

Jernigan Capital has a beta of -0.05, indicating that its stock price is 105% less volatile than the broader market. Comparatively, Enova International has a beta of 1.36, indicating that its stock price is 36% more volatile than the broader market.

Summary

Enova International beats Jernigan Capital on 10 of the 17 factors compared between the two stocks.

How does Jernigan Capital compare to Bread Financial?

Bread Financial (NYSE:BFH) 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 profitability, earnings, analyst recommendations, valuation, institutional ownership, dividends, risk and media sentiment.

Bread Financial has a beta of 1.26, indicating that its share price is 26% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.05, indicating that its share price is 105% less volatile than the broader market.

Bread Financial presently has a consensus price target of $111.71, indicating a potential upside of 13.30%. Jernigan Capital has a consensus price target of $27.50, indicating a potential upside of 31.70%. Given Jernigan Capital's stronger consensus rating and higher probable upside, analysts plainly believe Jernigan Capital is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
8 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.41
Jernigan Capital
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86

Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.6%. Bread Financial pays out 7.3% 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.

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
Bread Financial$4.70B0.80$518M$12.687.78
Jernigan Capital$613.29M1.96$187.96M$2.458.52

Jernigan Capital has a net margin of 23.55% compared to Bread Financial's net margin of 11.19%. Jernigan Capital's return on equity of 34.37% beat Bread Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.19% 17.24% 2.56%
Jernigan Capital 23.55%34.37%7.66%

99.5% of Bread Financial shares are owned by institutional investors. 1.3% of Bread Financial 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 large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

In the previous week, Bread Financial had 7 more articles in the media than Jernigan Capital. MarketBeat recorded 13 mentions for Bread Financial and 6 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 0.95 beat Bread Financial's score of 0.88 indicating that Jernigan Capital is being referred to more favorably in the news media.

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

Summary

Jernigan Capital beats Bread Financial on 11 of the 19 factors compared between the two stocks.

How does Jernigan Capital compare to Dave?

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

Dave has a beta of 4.07, indicating that its stock price is 307% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.05, indicating that its stock price is 105% less volatile than the broader market.

In the previous week, Dave had 18 more articles in the media than Jernigan Capital. MarketBeat recorded 24 mentions for Dave and 6 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 0.95 beat Dave's score of 0.44 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
4 Very Positive mention(s)
2 Positive mention(s)
13 Neutral mention(s)
2 Negative mention(s)
1 Very Negative mention(s)
Neutral
Jernigan Capital
2 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

18.0% of Dave shares are held by institutional investors. 23.6% of Dave 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 stock is poised for long-term growth.

Dave currently has a consensus target price of $420.29, suggesting a potential upside of 51.71%. Jernigan Capital has a consensus target price of $27.50, suggesting a potential upside of 31.70%. Given Dave's higher possible upside, research analysts clearly believe Dave is more favorable than Jernigan Capital.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Dave
0 Sell rating(s)
4 Hold rating(s)
15 Buy rating(s)
0 Strong Buy rating(s)
2.79
Jernigan Capital
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86

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$554.20M6.39$195.87M$12.3822.38
Jernigan Capital$613.29M1.96$187.96M$2.458.52

Dave has a net margin of 28.15% compared to Jernigan Capital's net margin of 23.55%. Dave's return on equity of 59.86% beat Jernigan Capital's return on equity.

Company Net Margins Return on Equity Return on Assets
Dave28.15% 59.86% 28.08%
Jernigan Capital 23.55%34.37%7.66%

Summary

Dave beats Jernigan Capital on 13 of the 17 factors compared between the two stocks.

How does Jernigan Capital compare to SLM?

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

SLM has a beta of 1.01, suggesting that its share price is 1% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.05, suggesting that its share price is 105% less volatile than the broader market.

SLM has higher revenue and earnings than Jernigan Capital. SLM 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
SLM$2.63B1.20$744.85M$2.766.23
Jernigan Capital$613.29M1.96$187.96M$2.458.52

SLM presently has a consensus price target of $26.44, suggesting a potential upside of 53.75%. Jernigan Capital has a consensus price target of $27.50, suggesting a potential upside of 31.70%. Given SLM's higher possible upside, analysts clearly believe SLM is more favorable than Jernigan Capital.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SLM
1 Sell rating(s)
5 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.36
Jernigan Capital
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86

Jernigan Capital has a net margin of 23.55% compared to SLM's net margin of 20.43%. Jernigan Capital's return on equity of 34.37% beat SLM's return on equity.

Company Net Margins Return on Equity Return on Assets
SLM20.43% 26.34% 1.93%
Jernigan Capital 23.55%34.37%7.66%

In the previous week, Jernigan Capital had 2 more articles in the media than SLM. MarketBeat recorded 6 mentions for Jernigan Capital and 4 mentions for SLM. Jernigan Capital's average media sentiment score of 0.95 beat SLM's score of 0.61 indicating that Jernigan Capital is being referred to more favorably in the news media.

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

98.9% of SLM shares are owned by institutional investors. 1.4% of SLM 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 will outperform the market over the long term.

SLM pays an annual dividend of $0.52 per share and has a dividend yield of 3.0%. Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.6%. SLM pays out 18.8% 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. SLM has increased its dividend for 1 consecutive years.

Summary

Jernigan Capital beats SLM on 11 of the 20 factors compared between the two stocks.

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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.
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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.
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JCAP vs. The Competition

MetricJernigan CapitalConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$1.12B$6.74B$14.06B$12.19B
Dividend Yield4.93%7.92%4.92%4.53%
P/E Ratio7.979.0819.7328.44
Price / Sales1.962.354.955.84
Price / Cash5.6910.6620.2322.49
Price / Book2.562.501.823.76
Net Income$187.96M$447.58M$1.33B$390.55M
7 Day Performance5.30%-0.61%0.12%-0.33%
1 Month Performance2.86%0.18%0.11%-4.82%
1 Year Performance0.48%2.39%5.10%-5.83%

Jernigan Capital Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
JCAP
Jernigan Capital
4.7928 of 5 stars
$20.88
+7.3%
$27.50
+31.7%
+3.2%$1.12B$613.29M7.971,120
NNI
Nelnet
3.4654 of 5 stars
$124.79
-1.3%
$125.00
+0.2%
-2.4%$4.52B$2.26B17.665,744
ENVA
Enova International
4.7062 of 5 stars
$167.22
-2.3%
$239.00
+42.9%
+33.1%$4.19B$3.15B11.401,836
BFH
Bread Financial
4.7113 of 5 stars
$97.99
+0.3%
$111.71
+14.0%
+59.2%$3.71B$4.70B7.166,000
DAVE
Dave
3.9695 of 5 stars
$267.37
-5.2%
$425.69
+59.2%
+28.1%$3.60B$554.20M26.96280

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This page (NASDAQ:JCAP) was last updated on 11/14/2026 by MarketBeat.com Staff.
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