Affirm (AFRM) vs Jefferson Capital (JCAP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Jefferson Capital (JCAP) has outperformed Affirm (AFRM) over the past year, gaining 10.9% versus a loss of 1.7%. Affirm is the larger company by market cap ($25.41 billion vs $1.15 billion), about 22.1 times the size. On valuation, Jefferson Capital trades at a lower forward P/E (6.5x vs 15.6x for Affirm).
Jefferson Capital pays a dividend yielding 2.40%, while Affirm does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | JCAP |
|---|---|---|
| Share price | $75.31 | $20.02 |
| Market cap | $25.41B | $1.15B |
| 1-day change | +0.57% | +0.81% |
| YTD return | +1.18% | -10.38% |
| 1-year return | -1.75% | +10.85% |
| 5-year return | -48.67% | — |
| P/E ratio (TTM) | 13.54 | 21.76 |
| Forward P/E | 15.60 | 6.51 |
| EPS (TTM) | $5.56 | $0.92 |
| Dividend yield | 0.00% | 2.40% |
| Annual dividend | $0.00 | $0.48 |
| Revenue (latest FY) | $4.26B | — |
| Revenue growth (YoY) | +32.15% | — |
| Net income (latest FY) | $1.93B | — |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | — |
| 52-week high | $90.44 | $24.44 |
| 52-week low | $42.10 | $15.50 |
| Distance from 52-week high | -16.73% | -18.09% |
| Analyst consensus | buy | none |
| Avg. price target upside | +31.01% | +40.86% |
| Average volume | 4.22M | 325.58K |
| Shares outstanding | 296.88M | 57.43M |
| Employees | 2,358 | 1,120 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm is about 22.1 times larger than Jefferson Capital by market value ($25.41B vs $1.15B).
- JCAP has outperformed AFRM by 12.6 percentage points over the past year.
- Jefferson Capital trades at a higher earnings multiple (21.8x vs 13.5x trailing P/E).
- Jefferson Capital offers a meaningfully higher dividend yield (2.40% vs 0.00%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Financial Services · Credit Services · 2,358 employees
About Jefferson Capital
JCAP stock →Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America.
Financial Services · Credit Services · 1,120 employees
AFRM vs JCAP FAQ
Which is bigger, Affirm or Jefferson Capital?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $1.15B for Jefferson Capital (JCAP).
Which stock has performed better over the past year, AFRM or JCAP?
JCAP returned +10.85% over the past 12 months, compared with -1.75% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or JCAP?
AFRM has the lower trailing P/E at 13.5, versus 21.8 for JCAP. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Affirm or Jefferson Capital?
Jefferson Capital pays a dividend yielding 2.40%, while Affirm does not currently pay a regular dividend.
Are Affirm and Jefferson Capital in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.