BAC vs JCAP: Which Is the Better Dividend Stock?
As of September 2026, JCAP (Jefferson Capital, Inc.) screens as the stronger dividend stock, winning 3 of 5 head-to-head metrics. JCAP offers the higher yield at 4.68%, BAC has the higher dividend-safety score, and JCAP trades at the larger discount to fair value (+94%).
| Metric | BAC | JCAP |
|---|---|---|
| Forward yield | 2.22% | 4.68% |
| Annual dividend | $1.28 | $0.96 |
| Payout ratio | 26% | 14% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 21% | — |
| Dividend safety score | 86 (A) | — |
| Fair value estimate | $91.91 | $39.91 |
| Upside to fair value | +59% | +94% |
| Frequency | quarterly | quarterly |
| Market cap | $405.3B | $1.2B |
| P/E ratio | 13.4 | — |
Higher yield
JCAP
4.68%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
JCAP
+94% upside
BAC vs JCAP — FAQ
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