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Jefferson Capital, Inc. Common Stock(JCAP)Earnings, Financials & Key Ratios
JCAP•NASDAQ
$18.19
2.9× P/E·Price updated Jul 7, 2026
AboutJefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The company primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. It offers consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, and other receivables. The company also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Sartell, Minnesota.Show more
- EBITDA$322M+41.6%
- Net Income$188M+78.5%
- EPS (Diluted)6.26+245.9%
- Gross Margin67.76%-4.8%
- EBITDA Margin52.46%
- Operating Margin51.61%+1.5%
- Net Margin30.65%+26.1%
- ROE43.78%+36.6%
JCAP Price & Volume
Jefferson Capital, Inc. Common Stock (JCAP) stock price & volume — 10-year historical chart
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Aggressive Debt Acquisition Drives Scalable Revenue Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Mixed
Cash Flow:Robust
Primary Risk:Liquidity and leverage constraints
Key Thesis Takeaways
- Jefferson Capital has successfully scaled its revenue from $11.7 million in 2020Q1 to $176.4 million in 2026Q1 by aggressively acquiring distressed debt portfolios.
- While the firm maintains robust operating margins of 45.4%, investors should monitor the significant rise in debt-to-equity to 3.24 and the recent compression of the current ratio to 0.14.
- The company's shift toward shareholder returns, evidenced by $58.9 million in recent buybacks, suggests management confidence, though the sustainability of these returns remains contingent on managing rising portfolio acquisition costs.
Verdict Logic
while the stock trades at an attractive 3.06 P/E TTM and offers an 11.1% dividend yield, the sharp decline in the current ratio to 0.14 warrants caution regarding short-term liquidity risks.
JCAP Growth Metrics
Jefferson Capital, Inc. Common Stock (JCAP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years118.94%
3 Years138.7%
TTM-
Profit CAGR
10 Years-
5 Years66.8%
3 Years61.76%
TTM502.2%
EPS CAGR
10 Years-
5 Years38.69%
3 Years44.84%
TTM1064.36%
Return on Capital
10 Years6.7%
5 Years11.57%
3 Years17.67%
Last Year18.81%
JCAP Recent Earnings
Jefferson Capital, Inc. Common Stock (JCAP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (20%)●Beat Revenue 4/12 qtrs (80%)
Q3 2026Latest
Jun 11, 2026Metric
Actual
Est
EPS
$0.73-8.8%
$0.80
Rev
$176M+4.2%
$169M
Q2 2026
May 14, 2026Metric
Actual
Est
EPS
$0.61-9.2%
$0.67
Rev
$155M+0.7%
$154M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.65-8.5%
$0.71
Rev
$155M+0.7%
$154M
Q4 2025
Nov 13, 2025Metric
Actual
Est
EPS
$0.74+15.6%
$0.64
Rev
$151M-2.0%
$154M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 11, 2026 | $0.73vs $0.80-8.8% | $176Mvs $169M+4.2% |
| Q2 2026 | May 14, 2026 | $0.61vs $0.67-9.2% | $155Mvs $154M+0.7% |
| Q2 2026 | Mar 12, 2026 | $0.65vs $0.71-8.5% | $155Mvs $154M+0.7% |
| Q4 2025 | Nov 13, 2025 | $0.74vs $0.64+15.6% | $151Mvs $154M-2.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Jefferson Capital, Inc. Common Stock (JCAP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $18.19 | $1.01B | 2.91 | 41.54% | 30.65% | 43.78% | 11.62% | |
| $18.03 | $687.68M | -2.31 | 10.36% | -21.88% | -25% | — | |
| $90.17 | $1.93B | 8.26 | 33.89% | 16.02% | 30.7% | — | |
| $223.25 | $9.85B | 30.09 | 8.04% | 9.14% | 15.91% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — | |
| $646.58 | $6.74B | 17.22 | 8.57% | 19.61% | 29.39% | — |
Compare JCAP vs Peers
Jefferson Capital, Inc. Common Stock (JCAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JCAP SEC Filings & Documents
Jefferson Capital, Inc. Common Stock (JCAP) SEC filings — annual & quarterly reports (10-K, 10-Q)
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JCAP Frequently Asked Questions
Jefferson Capital, Inc. Common Stock (JCAP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Jefferson Capital, Inc. Common Stock's revenue?
Jefferson Capital, Inc. Common Stock (JCAP) reported $634.9M in revenue for fiscal year 2025.
How fast is Jefferson Capital, Inc. Common Stock growing?
Jefferson Capital, Inc. Common Stock (JCAP) grew revenue by 41.5% over the past year. This is strong growth.
Is JCAP profitable?
Yes, Jefferson Capital, Inc. Common Stock (JCAP) is profitable, generating $174.3M in net income for fiscal year 2025 (30.6% net margin).
Dividend & Returns
Does JCAP pay dividends?
Yes, Jefferson Capital, Inc. Common Stock (JCAP) pays a dividend with a yield of 11.62%. This makes it attractive for income-focused investors.
What is JCAP's return on equity?
Jefferson Capital, Inc. Common Stock (JCAP) has a return on equity (ROE) of 43.8%. This is excellent, indicating efficient use of shareholder capital.
What is Jefferson Capital, Inc. Common Stock's free cash flow?
Jefferson Capital, Inc. Common Stock (JCAP) generated $232.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.