Is JCAP or JF more undervalued in 2026?

CirclFi compares Jefferson Capital, Inc. (JCAP) and J and Friends Holdings Limited (JF) using 13 institutional-grade valuation models. JCAP has a Quality of Company score of 7.4/10 while JF scores 2.9/10.

Which is a better buy — JCAP or JF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do JCAP and JF valuations compare?

JCAP at $17.15 and JF at $1.01 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JCAP vs JF Valuation Comparison 2026 — Intrinsic Value Analysis

JCAP

Credit Services

Jefferson Capital, Inc.

Quality

7.4

out of 10

Value Trap

—

Price

$17.15

Last close

Models

10/13

Active

JF

Credit Services

J and Friends Holdings Limited

Quality

2.9

out of 10

Value Trap

LOW

Price

$1.01

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	JCAP Fair Value	JCAP Upside	JF Fair Value	JF Upside
Bayesian DCF	Intrinsic	$54.79	+219.5%	$0.20	-80.3%
Earnings Power Value	Intrinsic	$19.30	+12.5%	$0.31	-69.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for JCAP vs JF — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

JCAP vs JF — Which Stock Is More Undervalued?

JCAP scores higher with a 7.4/10 quality rating vs JF's 2.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Jefferson Capital, Inc. (JCAP) and J and Friends Holdings Limited (JF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

JCAP currently trades at $17.15 with a QOC of 7.4/10, while JF trades at $1.01 with a QOC of 2.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).