Atlanticus (ATLC) 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
Atlanticus (ATLC) has outperformed Jefferson Capital (JCAP) over the past year, gaining 74.8% versus a gain of 10.9%. Atlanticus is the larger company by market cap ($1.39 billion vs $1.15 billion), about 1.2 times the size. On valuation, Jefferson Capital trades at a lower forward P/E (6.5x vs 6.7x for Atlanticus).
Jefferson Capital pays a dividend yielding 2.41%, while Atlanticus 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 | ATLC | JCAP |
|---|---|---|
| Share price | $91.75 | $19.95 |
| Market cap | $1.39B | $1.15B |
| 1-day change | -3.05% | -0.35% |
| YTD return | +41.36% | -10.38% |
| 1-year return | +74.81% | +10.85% |
| 5-year return | +51.91% | — |
| P/E ratio (TTM) | 11.92 | 21.92 |
| Forward P/E | 6.75 | 6.49 |
| EPS (TTM) | $7.70 | $0.91 |
| Dividend yield | 0.00% | 2.41% |
| Annual dividend | $0.00 | $0.48 |
| 52-week high | $114.34 | $24.44 |
| 52-week low | $47.50 | $15.50 |
| Distance from 52-week high | -19.76% | -18.37% |
| Analyst consensus | strong_buy | none |
| Avg. price target upside | +42.34% | +41.35% |
| Average volume | 143.22K | 327.54K |
| Shares outstanding | 15.17M | 57.43M |
| Employees | 576 | 1,120 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance Companies |
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
- ATLC has outperformed JCAP by 64.0 percentage points over the past year.
- Jefferson Capital trades at a higher earnings multiple (21.9x vs 11.9x trailing P/E).
- Jefferson Capital offers a meaningfully higher dividend yield (2.41% vs 0.00%).
About Atlanticus
ATLC stock →Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
Finance · Finance: Consumer Services · 576 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.
Finance · Finance Companies · 1,120 employees
ATLC vs JCAP FAQ
Which is bigger, Atlanticus or Jefferson Capital?
Atlanticus (ATLC) is larger, with a market capitalization of $1.39B compared with $1.15B for Jefferson Capital (JCAP).
Which stock has performed better over the past year, ATLC or JCAP?
ATLC returned +74.81% over the past 12 months, compared with +10.85% for JCAP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ATLC or JCAP?
ATLC has the lower trailing P/E at 11.9, versus 21.9 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, Atlanticus or Jefferson Capital?
Jefferson Capital pays a dividend yielding 2.41%, while Atlanticus does not currently pay a regular dividend.
Are Atlanticus and Jefferson Capital in the same industry?
Both are in the Finance sector, but in different industries: Finance: Consumer Services for Atlanticus and Finance Companies for Jefferson Capital.