Jefferson Capital, Inc. JCAP R2K
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 36.8%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 18.0%.
Net profit has compounded at 29.8% per year over the last five years.
Revenue has grown at a 37.8% CAGR over the past five years.
Trades at a P/E of 3.6, below the sector median of 13.3.
Maintains a net profit margin of 25.8%.
Recent Developments
- Dec 2025 Revenue of $613.29M (+41.5% YoY); net profit $187.97M.
- Trailing 12 Months Year-on-year growth — revenue +11.9%, earnings +45.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 37.8%, profit CAGR 29.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 37.78% |
| 1 Year: | 11.90% |
Compounded Profit Growth
| 5 Years: | 29.83% |
| 1 Year: | 45.83% |
Stock Price Performance
| 1 Year: | +16.96% |
| 6 Months: | -17.33% |
| 3 Months: | -4.69% |
| 1 Month: | +15.23% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)56.80 · Neutral
P/E of 3.64 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
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 5.87%.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 18.76 | 3.64 | $1.04B | 5.87% | 17.99% | 36.78% | 37.78% | 29.83% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 |
| Operating Income | 164.05M | 220.27M | 316.50M |
| Net Income | 111.52M | 128.89M | 187.97M |
| Diluted EPS | - | - | 5.64 |
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 |
| Dividends Paid | 30.56M | 36.00M | 63.45M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Gross Margin % | - | - | - |
| Operating Margin % | 50.8% | 50.8% | 51.6% |
| Net Margin % | 34.5% | 29.7% | 30.6% |
| ROE % | 40.6% | 33.7% | 39.5% |
| ROCE % | 15.3% | 20.5% | 18.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 5.31% | 3.27M | $60.53M |
| 2 | Adage Capital Partners GP L.L.C. | 2.86% | 1.76M | $32.62M |
| 3 | William Blair Investment Management, LLC | 2.53% | 1.56M | $28.87M |
| 4 | Principal Financial Group, Inc. | 2.49% | 1.54M | $28.44M |
| 5 | Blackrock Inc. | 2.28% | 1.41M | $26.00M |
| 6 | Goldman Sachs Group Inc | 1.84% | 1.13M | $20.94M |
| 7 | Punch & Associates Investment Management, Inc. | 1.81% | 1.12M | $20.65M |
| 8 | Vanguard Capital Management LLC | 1.72% | 1.06M | $19.56M |
| 9 | Nantahala Capital Management, LLC | 1.22% | 750.00K | $13.88M |
| 10 | Geode Capital Management, LLC | 1.12% | 691.22K | $12.79M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for JCAP
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Jefferson Capital (JCAP) Registration filing Summary - Quartr
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JCAP — Frequently Asked Questions
What is the current share price of Jefferson Capital, Inc. (JCAP)?
As of 2026-07-14 21:23 PDT, Jefferson Capital, Inc. (JCAP) trades at $18.76 on NasdaqGS. Its 52-week range is $15.47 to $22.76.
What is the market capitalisation of JCAP?
Jefferson Capital, Inc. (JCAP) has a market capitalisation of $1.04B on NasdaqGS.
What is the P/E ratio of JCAP?
JCAP trades at a trailing price-to-earnings (P/E) ratio of 3.64. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.05.
Does JCAP pay a dividend?
Jefferson Capital, Inc. (JCAP) currently offers a dividend yield of 5.87%.
What is the return on equity (ROE) of JCAP?
JCAP has a return on equity (ROE) of 36.78%. Its return on capital employed (ROCE) is 17.99%.
Is JCAP a good stock to buy?
This page provides a data-driven analysis of Jefferson Capital, Inc. (JCAP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.