$17.29

-0.10 (-0.58%)

Weekly Expected Move ±4.2%

$16 $17 $18 $19 $19

NASDAQ · Financial Services · Financial - Credit Services · Alpha Radar Strong Sell · Power 37 · $958.2M mcap · 10M float · 3.31% daily turnover · Short 49% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

51.4 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 2.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. JCAP shows a Weak competitive edge (51.4/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Switching Costs. ROIC of 2.3% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$21

Low

$21

Avg Target

$21

High

Based on 1 analyst since May 14, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 1Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$25.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-15	Raymond James	—	$25	$21	-4	+17.2%	$17.92
2026-03-06	Jefferies	John Hecht	Initiated	$29	—	+34.7%	$21.54
2026-02-10	Capital One Financial	—	Initiated	$28	—	+24.6%	$22.48
2025-12-19	Raymond James	Robert Dodd	Initiated	$25	—	+12.6%	$22.20
2025-11-14	JMP Securities	—	Initiated	$26	—	+25.1%	$20.78

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. JCAP receives an overall rating of B. Strongest factors: ROE (5/5), ROA (5/5). Areas of concern: DCF (1/5), D/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-04-16	B+	B
2026-04-14	B	B+
2026-04-10	B+	B
2026-04-01	B	B+
2026-03-16	A-	B
2026-02-12	B+	A-
2026-02-04	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 49 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

—

Value

Momentum

—

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. JCAP scores highest in Safety (100/100) and lowest in Balance Sheet (15/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

6.84

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✗ ✗

Beneish M-Score

—

Ohlson O-Score

-5.72

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

A-

Score: 69.3/100

Earnings Quality

100/100

OCF/NI: 1.47x

Accruals: -2.8%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. JCAP scores 6.84, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. JCAP scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. JCAP's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. JCAP receives an estimated rating of A- (score: 69.3/100). The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). JCAP's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

5.96x

PEG

0.01x

P/S

1.51x

P/B

2.17x

P/FCF

5.90x

P/OCF

5.89x

EV/EBITDA

14.31x

EV/Revenue

5.70x

EV/EBIT

14.58x

EV/FCF

15.10x

Earnings Yield

11.57%

FCF Yield

16.94%

Shareholder Yield

8.50%

Graham Number

$20.70

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 6.0x earnings, JCAP trades at a deep value multiple. An earnings yield of 11.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $20.70 per share, suggesting a potential 20% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.780

NI / EBT

Interest Burden

0.845

EBT / EBIT

EBIT Margin

0.391

EBIT / Rev

Asset Turnover

0.230

Rev / Assets

Equity Multiplier

4.384

Assets / Equity

ROE

26.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. JCAP's ROE of 26.0% is driven by financial leverage (equity multiplier: 4.38x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$18.91

Price/Value

1.02x

Margin of Safety

-1.72%

Premium

1.72%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with JCAP's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. JCAP trades at a 2% premium to its adjusted intrinsic value of $18.91, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 6.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 229 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$17.29

Median 1Y

$15.45

5th Pctile

$8.57

95th Pctile

$27.82

Ann. Volatility

35.4%

Analyst Target

$25.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
David Burton President and Chief Executive Officer	$765,769	$—	$3,795,973
Mark Zellmann U.S. ident of U.S. Business Lines	$325,009	$—	$1,062,184
Penelope Person Commercial ercial Officer	$142,000	$—	$633,060

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

Revenue / Employee

—

Rev: $613,289,000

Profit / Employee

—

NI: $187,965,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'25	Q3'25	Q1'26	Current
ROE	12.5%	22.5%	26.0%	25.97%
ROA	2.9%	5.2%	5.9%	5.92%
ROIC	-4.3%	-0.9%	2.3%	2.32%
ROCE	3.9%	6.7%	10.5%	10.50%
Gross Margin	79.0%	66.6%	61.8%	61.84%
Operating Margin	-56.7%	46.4%	45.4%	45.45%
Net Margin	31.2%	25.4%	21.3%	21.33%
EBITDA Margin	40.7%	30.8%	46.8%	46.76%
FCF Margin	51.4%	46.6%	37.7%	37.73%
OCF Margin	51.7%	46.8%	37.8%	37.84%
ROIC Economic	snapshot only			2.28%
Cash ROA	snapshot only			8.70%
Cash ROIC	snapshot only			8.48%
CROIC	snapshot only			8.46%
NOPAT Margin	snapshot only			10.34%
Pretax Margin	snapshot only			33.02%
R&D / Revenue	snapshot only			0.00%
SGA / Revenue	snapshot only			16.72%
SBC / Revenue	snapshot only			0.00%

Valuation

Metric	Q2'25	Q3'25	Q1'26	Current
P/E Ratio	1.07	4.07	8.65	5.956
P/S Ratio	0.34	1.15	2.23	1.509
P/B Ratio	0.13	0.91	2.25	2.170
P/FCF	0.65	2.47	5.90	5.903
P/OCF	0.65	2.46	5.89	5.887
EV/EBITDA	19.49	13.90	14.31	14.312
EV/Revenue	7.93	4.97	5.70	5.697
EV/EBIT	19.89	14.24	14.58	14.578
EV/FCF	15.42	10.67	15.10	15.100
Earnings Yield	93.1%	24.6%	11.6%	11.57%
FCF Yield	1.5%	40.4%	16.9%	16.94%
PEG Ratio	snapshot only			0.007
Price/Tangible Book	snapshot only			2.597
EV/OCF	snapshot only			15.059
EV/Gross Profit	snapshot only			8.280
Acquirers Multiple	snapshot only			43.012
Shareholder Yield	snapshot only			8.50%
Graham Number	snapshot only			$20.70

Leverage & Solvency

Metric	Q2'25	Q3'25	Q1'26	Current
Current Ratio	20.16	20.16	0.20	0.199
Quick Ratio	20.16	20.16	0.20	0.199
Debt/Equity	3.12	3.12	3.60	3.598
Net Debt/Equity	3.03	3.03	3.50	3.498
Debt/Assets	0.72	0.72	0.82	0.821
Debt/EBITDA	19.23	11.00	8.97	8.966
Net Debt/EBITDA	18.66	10.68	8.72	8.718
Interest Coverage	—	0.00	0.00	0.002
Equity Multiplier	4.32	4.32	4.38	4.384
Cash Ratio	snapshot only			0.159
Debt Service Coverage	snapshot only			0.002
Cash to Debt	snapshot only			0.028
FCF to Debt	snapshot only			0.106
Defensive Interval	snapshot only			2743.8 days

Efficiency & Turnover

Metric	Q2'25	Q3'25	Q1'26	Current
Asset Turnover	0.09	0.18	0.23	0.230
Inventory Turnover	—	—	—	—
Receivables Turnover (trade)	8.89	17.67	16.81	16.808
Payables Turnover	—	—	1.57	1.572
DSO (trade)	41	21	22	21.7 days
DIO	0	0	0	0.0 days
DPO	0	0	232	232.1 days
Cash Conversion Cycle (trade)	41	21	-210	-210.4 days
Fixed Asset Turnover	snapshot only			89.667
Cash Velocity	snapshot only			10.094
Capital Intensity	snapshot only			4.349

Growth Quality

Metric	Q2'25	Q3'25	Q1'26	Current
Revenue Stability	—	—	—	—
Earnings Stability	—	—	—	—
Margin Stability	—	—	—	—
Rev. Growth Consistency	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0
Earnings Persistence	—	—	—	—
Earnings Smoothness	—	—	—	—
ROE Trend	—	—	—	—
Gross Margin Trend	—	—	—	—
FCF Margin Trend	—	—	—	—
Sustainable Growth Rate	8.2%	14.1%	19.3%	19.26%
Internal Growth Rate	1.9%	3.4%	4.6%	4.60%

Cash Flow Quality

Metric	Q2'25	Q3'25	Q1'26	Current
OCF/Net Income	1.66	1.65	1.47	1.469
FCF/OCF	0.99	1.00	1.00	0.997
FCF/Net Income	snapshot only			1.465
OCF/EBITDA	snapshot only			0.950
CapEx/Revenue	0.3%	0.2%	0.1%	0.10%
CapEx/Depreciation	snapshot only			0.145
Accruals Ratio	-0.02	-0.03	-0.03	-0.028
Sloan Accruals	snapshot only			0.004
Cash Flow Adequacy	snapshot only			5.597
Earnings Quality Score	snapshot only			1.000

Dividends & Buybacks

Metric	Q2'25	Q3'25	Q1'26	Current
Dividend Yield	32.1%	9.1%	3.0%	4.16%
Dividend/Share	$5.78	$1.56	$0.57	$0.72
Payout Ratio	34.5%	37.1%	25.8%	25.83%
FCF Payout Ratio	20.9%	22.6%	17.6%	17.64%
Total Payout Ratio	34.5%	37.1%	73.5%	73.48%
Div. Increase Streak	0	0	0	0
Chowder Number	—	—	—	—
Buyback Yield	0.0%	0.0%	5.5%	5.51%
Net Buyback Yield	0.0%	0.0%	5.5%	5.51%
Total Shareholder Return	32.1%	9.1%	8.5%	8.50%

DuPont Factors

Metric	Q2'25	Q3'25	Q1'26	Current
Tax Burden (NI/EBT)	0.77	0.80	0.78	0.780
Interest Burden (EBT/EBIT)	1.02	1.01	0.84	0.845
EBIT Margin	0.40	0.35	0.39	0.391
Asset Turnover	0.09	0.18	0.23	0.230
Equity Multiplier	4.32	4.32	4.38	4.384

Per Share

Metric	Q2'25	Q3'25	Q1'26	Current
EPS (Diluted TTM)	$16.76	$4.20	$2.22	$2.22
Book Value/Share	$134.55	$18.67	$8.56	$7.97
Tangible Book/Share	$110.66	$15.35	$7.40	$7.40
Revenue/Share	$53.71	$14.81	$8.63	$11.42
FCF/Share	$27.61	$6.90	$3.26	$4.60
OCF/Share	$27.75	$6.93	$3.27	$4.62
Cash/Share	$12.49	$1.73	$0.86	$0.47
EBITDA/Share	$21.85	$5.30	$3.44	$3.44
Debt/Share	$420.23	$58.30	$30.82	$30.82
Net Debt/Share	$407.75	$56.57	$29.96	$29.96

Academic Models

Metric	Q2'25	Q3'25	Q1'26	Current
Altman-B Score	—	—	—	6.839
Altman Z-Prime	snapshot only			1.362
Piotroski F-Score	4	4	4	4
Beneish M-Score	—	—	—	—
Ohlson O-Score	snapshot only			-5.723
Net-Net WC	snapshot only			$-27.91
EVA	snapshot only			$-164573156.24

Credit

Metric	Q2'25	Q3'25	Q1'26	Current
Credit Rating	snapshot only			A-
Credit Score	83.40	86.79	69.30	69.301
Credit Grade	snapshot only			7
Implied Spread (bps)	snapshot only			175.000
Industry Credit Rank	snapshot only			56
Sector Credit Rank	snapshot only			61

JCAP NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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