J&j Cards Inc.
How we got $14.1M
Based on its 195 employees and its payroll, both reported for PPP in 2020 and brought up to date.
Estimated value over time
▲ 25% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
What we know
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| J&J CARDS INC. this business | $47.3M | — |
| TWIN R INC. #1 Oklahoma City · 5 employees | $1.6M | 0.8 mi |
| BDM COOKIES, LLC Oklahoma City · 5 employees | $913K | 2.1 mi |
| MONARCH PROPERTY GROUP, LLC Oklahoma City · 2 employees | $1.7M | 7.2 mi |
| SJ LUX BATH AND BODY LLC Moore · 1 employees | $327K | 8.8 mi |
| MISTELEE INC Oklahoma City · 6 employees | $1.2M | 9.1 mi |
| M WILSON ENTERPRISES INC Nichols Hills · 12 employees | $2.4M | 9.3 mi |
The full calculation
| Employees reported to the SBA | 195 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $67.8M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $25.3M |
| Estimate: the two combined (geometric mean) | $47.3M |
| EBITDA margin (industry, adjusted for size) | 7% |
| EBITDA = revenue × margin | $3.2M |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $14.1M |
| Multiple for this size and industry | 4.4× |
| Value range | $7.4M – $19.2M |
| Revenue range | $31.1M – $53.9M |
| EBITDA range | $2.1M – $3.6M |
| Industry (NAICS) | Retail Trade (453220) |
Low confidence: the employee-based and payroll-based estimates differ by more than 2×.
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: approximate sector default. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
Advisors
- BankingSovereign BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Sovereign Bank PPP 2020, PPP 2021 | All 304 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/9/2020 | first | $409K | 195 |
| 1/23/2021 | second | $409K | 100 |
About J&j Cards Inc.
J&j Cards Inc. is a retail trade company in Oklahoma City, Oklahoma. It is owned by Jay Orr (Key Principal). Its estimated annual revenue is about $47.3M, with roughly $3.2M of EBITDA. It has about 195 employees. Its estimated business value is $14.1M (likely range $7.4M–$19.2M).
Common questions
- Who owns J&j Cards Inc.?
- J&j Cards Inc. is owned by Jay Orr (Key Principal), according to public sources such as the company's website or filings.
- How much revenue does J&j Cards Inc. make?
- SeeBITDA estimates J&j Cards Inc.'s annual revenue at about $47.3M (likely between $31.1M and $53.9M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is J&j Cards Inc. worth?
- About $14.1M, roughly 4.4× its estimated EBITDA of $3.2M, typical for a retail trade company its size. Likely range: $7.4M–$19.2M.
- How many employees does J&j Cards Inc. have?
- About 195, as reported on its PPP loan.