Jefferson Capital, Inc. JCAP R2K
Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It 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. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It 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 Minneapolis, Minnesota.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 36.8%.
- Excellent profit margin of 25.8%.
- Compounding revenue at 37.8% over 5 years.
- Profit CAGR of 29.8% over 5 years.
- Attractive dividend yield of 5.66%.
CONS
- Trading 25.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | JCAP Jefferson Capital, Inc. R2K | 16.99 | 3.30 | $941.56M | 5.66% | 12.33% | 36.78% | 37.78% | 29.83% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | 103.80M | - | 154.94M | 152.71M | 150.84M | 154.80M | 176.44M |
| Cost of Revenue | - | - | 37.72M | 32.08M | 48.26M | 47.39M | 51.31M |
| Gross Profit | - | - | 117.22M | 120.63M | 102.58M | 107.41M | 125.13M |
| Operating Expenses | - | - | 51.66M | 59.77M | 57.48M | 63.30M | 73.90M |
| Operating Income | 55.15M | - | 65.56M | 60.86M | 45.10M | 44.12M | 51.23M |
| EBITDA | - | - | 67.17M | 62.11M | 46.45M | 45.16M | 52.10M |
| Interest Expense | - | - | - | - | - | - | - |
| Pretax Income | - | - | 66.91M | 61.91M | 45.51M | 44.12M | 51.06M |
| Tax Provision | - | - | 2.68M | 14.26M | 7.15M | 6.38M | 13.42M |
| Net Income | 32.17M | - | 64.23M | 47.65M | 38.36M | 37.73M | 37.63M |
| Diluted EPS | - | - | 1.10 | 16.76 | 0.59 | 0.58 | 0.61 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Revenue | 323.07M | 433.34M | 613.29M |
| Cost of Revenue | 183.42M | 121.10M | 164.15M |
| Gross Profit | 139.65M | 312.24M | 449.14M |
| Operating Expenses | 20.80M | 164.97M | 232.21M |
| Operating Income | 118.85M | 147.27M | 216.94M |
| EBITDA | 121.23M | 149.88M | 222.19M |
| Interest Expense | - | - | - |
| Pretax Income | 120.58M | 137.55M | 218.44M |
| Tax Provision | 9.04M | 8.66M | 30.47M |
| Net Income | 111.52M | 128.89M | 187.97M |
| Diluted EPS | 1.91 | 2.21 | 5.64 |
Compounded Sales Growth
| 5 Years: | 37.78% |
| 1 Year: | 11.90% |
Compounded Profit Growth
| 5 Years: | 29.83% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -3.62% |
| 6 Months: | -17.36% |
| 3 Months: | -15.44% |
| 1 Month: | -16.32% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | - | 1.12B | 1.65B | 2.09B |
| Current Assets | - | 1.03B | 1.57B | 2.00B |
| Cash & Equivalents | - | 14.37M | 35.51M | 23.23M |
| Inventory | - | - | - | - |
| Receivables | - | 20.03M | 33.71M | 28.56M |
| Total Liabilities | - | 811.78M | 1.27B | 1.61B |
| Current Liabilities | - | 40.85M | 578.12M | 327.65M |
| Long Term Debt | - | 770.93M | 686.58M | 1.18B |
| Total Debt | - | 770.93M | 1.19B | 1.41B |
| Total Equity | 214.77M | 274.79M | 382.53M | 476.13M |
| Shares Outstanding | - | 58.27M | 58.27M | 58.30M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Operating Cash Flow | 120.22M | 168.21M | 268.81M |
| Investing Cash Flow | -403.41M | -542.37M | -401.94M |
| Financing Cash Flow | 289.86M | 388.82M | 149.70M |
| Capital Expenditure | -1.23M | -6.21M | -1.08M |
| Free Cash Flow | 118.99M | 162.00M | 267.73M |
| Net Change in Cash | 6.67M | 14.66M | 16.57M |
| Dividends Paid | 30.56M | 36.00M | 63.45M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Gross Margin % | 43.2% | 72.1% | 73.2% |
| Operating Margin % | 36.8% | 34.0% | 35.4% |
| Net Margin % | 34.5% | 29.7% | 30.6% |
| ROE % | 40.6% | 33.7% | 39.5% |
| ROCE % | 11.1% | 13.7% | 12.3% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 5.90% | 3.27M | $55.57M |
| 2 | Adage Capital Partners GP L.L.C. | 3.18% | 1.76M | $29.95M |
| 3 | William Blair Investment Management, LLC | 2.81% | 1.56M | $26.50M |
| 4 | Principal Financial Group, Inc. | 2.77% | 1.54M | $26.11M |
| 5 | Blackrock Inc. | 2.54% | 1.41M | $23.87M |
| 6 | Goldman Sachs Group Inc | 2.04% | 1.13M | $19.23M |
| 7 | Punch & Associates Investment Management, Inc. | 2.01% | 1.12M | $18.96M |
| 8 | Vanguard Capital Management LLC | 1.91% | 1.06M | $17.95M |
| 9 | Nantahala Capital Management, LLC | 1.35% | 750.00K | $12.74M |
| 10 | Geode Capital Management, LLC | 1.25% | 691.22K | $11.74M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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