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Jernigan Capital (JCAP) Competitors

Jernigan Capital logo
$22.34 -1.07 (-4.57%)
As of 08/20/2026 04:00 PM Eastern

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

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

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

Jernigan Capital presently has a consensus target price of $27.50, suggesting a potential upside of 23.10%. SLM has a consensus target price of $29.80, suggesting a potential upside of 15.28%. Given Jernigan Capital's stronger consensus rating and higher possible upside, research analysts clearly believe Jernigan Capital is more favorable than SLM.

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
SLM
1 Sell rating(s)
6 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.33

SLM has a net margin of 26.09% compared to Jernigan Capital's net margin of 23.50%. Jernigan Capital's return on equity of 35.87% beat SLM's return on equity.

Company Net Margins Return on Equity Return on Assets
Jernigan Capital23.50% 35.87% 8.16%
SLM 26.09%33.81%2.51%

In the previous week, Jernigan Capital had 15 more articles in the media than SLM. MarketBeat recorded 18 mentions for Jernigan Capital and 3 mentions for SLM. SLM's average media sentiment score of 1.81 beat Jernigan Capital's score of 0.56 indicating that SLM is being referred to more favorably in the news media.

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

98.9% of SLM shares are owned by institutional investors. 8.3% of Jernigan Capital shares are owned by insiders. Comparatively, 1.4% of SLM shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.3%. SLM pays an annual dividend of $0.52 per share and has a dividend yield of 2.0%. Jernigan Capital pays out 39.2% of its earnings in the form of a dividend. SLM pays out 14.5% 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. SLM has increased its dividend for 1 consecutive years.

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
Jernigan Capital$613.29M2.09$187.96M$2.459.12
SLM$2.63B1.85$744.85M$3.587.22

Jernigan Capital has a beta of -0.16, meaning that its share price is 116% less volatile than the broader market. Comparatively, SLM has a beta of 0.96, meaning that its share price is 4% less volatile than the broader market.

Summary

Jernigan Capital and SLM tied by winning 10 of the 20 factors compared between the two stocks.

How does Jernigan Capital compare to Nelnet?

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

In the previous week, Jernigan Capital had 17 more articles in the media than Nelnet. MarketBeat recorded 18 mentions for Jernigan Capital and 1 mentions for Nelnet. Jernigan Capital's average media sentiment score of 0.56 beat Nelnet's score of 0.00 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
3 Very Positive mention(s)
2 Positive mention(s)
8 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
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 pays an annual dividend of $0.96 per share and has a dividend yield of 4.3%. 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 15.8% 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
Jernigan Capital23.50% 35.87% 8.16%
Nelnet 14.35%8.26%2.11%

Jernigan Capital presently has a consensus target price of $27.50, suggesting a potential upside of 23.10%. Nelnet has a consensus target price of $140.00, suggesting a potential upside of 10.86%. Given Jernigan Capital's stronger consensus rating and higher possible upside, equities 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
1 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.67

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

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$613.29M2.09$187.96M$2.459.12
Nelnet$2.26B2.00$428.47M$8.3615.11

Jernigan Capital has a beta of -0.16, indicating that its stock price is 116% less volatile than the broader market. Comparatively, Nelnet has a beta of 0.78, indicating that its stock price is 22% less volatile than the broader market.

Summary

Jernigan Capital beats Nelnet on 11 of the 19 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 business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, risk, valuation, media sentiment, institutional ownership, earnings and profitability.

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 4.3%. 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.

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$613.29M2.09$187.96M$2.459.12
Bread Financial$4.70B0.84$518M$12.828.05

Jernigan Capital has a beta of -0.16, meaning that its stock price is 116% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.11, meaning that its stock price is 11% more volatile than the broader market.

99.5% of Bread Financial shares are held by institutional investors. 8.3% of Jernigan Capital shares are held by company insiders. Comparatively, 1.3% of Bread Financial shares are held 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 23.10%. Bread Financial has a consensus target price of $110.58, suggesting a potential upside of 7.21%. Given Jernigan Capital's stronger consensus rating and higher probable upside, 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
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47

In the previous week, Jernigan Capital had 12 more articles in the media than Bread Financial. MarketBeat recorded 18 mentions for Jernigan Capital and 6 mentions for Bread Financial. Bread Financial's average media sentiment score of 1.31 beat Jernigan Capital's score of 0.56 indicating that Bread Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Jernigan Capital
3 Very Positive mention(s)
2 Positive mention(s)
8 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Bread Financial
4 Very Positive mention(s)
1 Positive mention(s)
1 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 superior investment? We will contrast the two businesses based on the strength of their risk, institutional ownership, profitability, dividends, valuation, analyst recommendations, earnings 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 has a beta of 3.83, meaning that its share price is 283% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.16, meaning that its share price is 116% less volatile than the broader market.

18.0% of Dave shares are owned by institutional investors. 23.6% of Dave shares are owned by insiders. Comparatively, 8.3% of Jernigan Capital 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.

Dave currently has a consensus target price of $410.82, indicating a potential upside of 22.63%. Jernigan Capital has a consensus target price of $27.50, indicating a potential upside of 23.10%. Given Jernigan Capital's stronger consensus rating and 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)
0 Strong Buy rating(s)
2.80
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$554.20M7.71$195.87M$15.4221.73
Jernigan Capital$613.29M2.09$187.96M$2.459.12

In the previous week, Dave and Dave both had 18 articles in the media. Jernigan Capital's average media sentiment score of 0.56 beat Dave's score of 0.11 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)
4 Positive mention(s)
3 Neutral mention(s)
7 Negative mention(s)
1 Very Negative mention(s)
Neutral
Jernigan Capital
3 Very Positive mention(s)
2 Positive mention(s)
8 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Dave beats Jernigan Capital on 11 of the 16 factors compared between the two stocks.

How does Jernigan Capital compare to Upstart?

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

Upstart has a beta of 2.29, meaning that its stock price is 129% more volatile than the broader market. Comparatively, Jernigan Capital has a beta of -0.16, meaning that its stock price is 116% less volatile than the broader market.

In the previous week, Jernigan Capital had 4 more articles in the media than Upstart. MarketBeat recorded 18 mentions for Jernigan Capital and 14 mentions for Upstart. Upstart's average media sentiment score of 0.83 beat Jernigan Capital's score of 0.56 indicating that Upstart is being referred to more favorably in the media.

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

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
Upstart4.84% 7.13% 1.82%
Jernigan Capital 23.50%35.87%8.16%

63.0% of Upstart shares are owned by institutional investors. 17.3% of Upstart shares are owned by insiders. Comparatively, 8.3% of Jernigan Capital shares are owned by 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.

Upstart presently has a consensus price target of $44.40, indicating a potential upside of 53.85%. Jernigan Capital has a consensus price target of $27.50, indicating a potential upside of 23.10%. Given Upstart's higher probable upside, equities analysts plainly believe Upstart is more favorable than Jernigan Capital.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
1 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.44
Jernigan Capital
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86

Jernigan Capital has lower revenue, but higher earnings 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
Upstart$1.04B2.69$53.60M$0.4958.90
Jernigan Capital$613.29M2.09$187.96M$2.459.12

Summary

Upstart beats Jernigan Capital on 9 of the 17 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$1.34B$7.54B$13.95B$12.86B
Dividend Yield4.10%12.26%5.89%10.69%
P/E Ratio9.128.9629.4924.05
Price / Sales2.0977.13519.7294.99
Price / Cash6.8411.7937.7353.57
Price / Book2.692.692.156.15
Net Income$187.96M$442.63M$1.31B$347.39M
7 Day Performance-6.92%-1.89%-0.74%-0.97%
1 Month Performance15.69%-1.59%1.11%1.05%
1 Year Performance24.39%10.09%11.56%19.63%

Jernigan Capital Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
JCAP
Jernigan Capital
4.6217 of 5 stars
$22.34
-4.6%
$27.50
+23.1%
+20.2%$1.34B$613.29M9.121,120
SLM
SLM
3.9733 of 5 stars
$27.74
-0.8%
$29.80
+7.4%
-15.7%$5.21B$2.63B7.751,788
NNI
Nelnet
2.2481 of 5 stars
$127.16
+0.6%
$140.00
+10.1%
-0.1%$4.57B$1.44B15.215,744
BFH
Bread Financial
4.3451 of 5 stars
$111.95
+1.4%
$110.58
-1.2%
+73.1%$4.30B$4.70B8.736,000
DAVE
Dave
4.3885 of 5 stars
$333.77
+5.6%
$412.90
+23.7%
+78.0%$4.24B$554.20M21.65250

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This page (NASDAQ:JCAP) was last updated on 8/21/2026 by MarketBeat.com Staff.
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