JCAP
Jefferson Capital, Inc.
Price Chart
Latest Quote
$18.21
+0.16 (+0.89%)
Current Price
| Previous Close | $18.05 |
| Open | $17.98 |
| Day High | $18.27 |
| Day Low | $17.67 |
| Volume | 374,873 |
Stock Information
| Quarterly Dividend / Yield | $0.96 / 5.27% |
| Shares Outstanding | 55.42M |
| Quarterly Dividend Yield | 5.27% |
| Quarterly Dividend | $0.96 |
| Total Debt | $1.44B |
| Cash Equivalents | $26.25M |
| Revenue | $625.35M |
| Net Income | $138.94M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $1.01B |
| P/E Ratio | 3.54 |
| EPS (TTM) | $5.15 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.42B |
| Sales | $625.35M |
| Income | $138.94M |
| Book/sh | $8.00 |
| Cash/sh | $0.47 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 5.08 |
| Current Ratio | 5.13 |
| Debt/Eq | 324.52 |
| EPS Growth TTM | -41.40% |
Returns & Margins
| ROA | 12.29% |
| ROE | 36.78% |
| Gross Margin | 75.12% |
| Operating Margin | 47.34% |
| Profit Margin | 25.80% |
Ownership
| Insider Ownership | 9.41% |
| Institutional Ownership | 98.71% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.26 |
| P/S | 1.61 |
| P/B | 2.28 |
Analyst Data
| Recommendation | none |
| Target Price | $26.00 |
Technical Indicators
| SMA20 | $16.72 |
| SMA50 | $18.25 |
| SMA200 | $19.36 |
| RSI | 73.85 |
| ATR | 0.6437 |
| Shares Float | 14.71M |
| Short Float | 5.82% |
| Short Ratio | 4.34 |
| Rel Volume | 1.27 |
Performance History
| Week | +4.60% |
| Month | +5.32% |
| Quarter | -5.15% |
| 6 Months | -17.05% |
| YTD | -15.44% |
| 10 Years | +3.30% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-25 | $18.21 | 378,683 |
| 2026-06-24 | $18.05 | 457,900 |
| 2026-06-23 | $17.51 | 510,000 |
| 2026-06-22 | $16.97 | 357,400 |
| 2026-06-18 | $17.34 | 372,600 |
| 2026-06-17 | $17.41 | 392,700 |
| 2026-06-16 | $16.95 | 409,300 |
| 2026-06-15 | $16.32 | 340,700 |
| 2026-06-12 | $16.36 | 209,800 |
| 2026-06-11 | $16.28 | 247,500 |
| 2026-06-10 | $16.03 | 135,900 |
| 2026-06-09 | $16.19 | 176,200 |
| 2026-06-08 | $15.69 | 161,600 |
| 2026-06-05 | $16.24 | 265,600 |
| 2026-06-04 | $16.04 | 186,500 |
| 2026-06-03 | $15.52 | 301,400 |
| 2026-06-02 | $16.41 | 243,700 |
| 2026-06-01 | $16.66 | 310,200 |
| 2026-05-29 | $16.99 | 334,100 |
| 2026-05-28 | $17.15 | 155,400 |
| 2026-05-27 | $17.16 | 261,000 |
| 2026-05-26 | $17.29 | 178,100 |
About Jefferson Capital, Inc.
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.
đ° Latest News
Jefferson Capital, Inc. Common Stock Q1 2026 Earnings Call Summary
Moby âĸ 2026-05-15T12:30:00Z
Jefferson Capital Inc (JCAP) Q1 2026 Earnings Call Highlights: Record Collections and Revenue ...
GuruFocus.com âĸ 2026-05-15T05:00:25ZCaterpillar Rolls To A Record High, Leads 25 New To Today's Best Growth Stock Screens
Investor's Business Daily âĸ 2026-05-05T22:54:19Z
Assessing Jefferson Capitalâs Valuation After Recent Share Price Weakness And Discount P/E Multiple
Simply Wall St. âĸ 2026-03-17T00:21:58Z
Jefferson Capital, Inc. Common Stock Q4 2025 Earnings Call Summary
Moby âĸ 2026-03-13T12:30:00Z
Jefferson Capital (JCAP) Earnings Transcript
Motley Fool âĸ 2026-03-13T03:32:09Z
Jefferson Capital Inc (JCAP) Q4 2025 Earnings Call Highlights: Record Collections and Revenue ...
GuruFocus.com âĸ 2026-03-13T03:00:45ZJefferson Capital, Inc. (JCAP) Reports Q4 Earnings: What Key Metrics Have to Say
Zacks âĸ 2026-03-12T22:30:02Z
Bearish Jefferson Capital Report Challenges IPO Valuation And Unit Economics
Simply Wall St. âĸ 2026-03-03T11:09:54Z
Jefferson Capital, Inc. (JCAP): A Bear Case Theory
Insider Monkey âĸ 2026-02-28T13:29:50Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | |||
| Reconciled Cost Of Revenue | $164,145,000 | $121,098,000 | $183,420,000 |
| Cost Of Revenue | $164,145,000 | $121,098,000 | $183,420,000 |
| Total Revenue | $613,289,000 | $433,341,000 | $323,072,000 |
| Operating Revenue | $613,289,000 | $433,341,000 | $323,072,000 |
| Expenses | |||
| Total Expenses | $396,354,000 | $286,071,000 | $204,218,000 |
| Other Income Expense | $7,725,000 | $-5,474,000 | $4,641,000 |
| Net Non Operating Interest Income Expense | $-6,223,000 | $-4,253,000 | $-2,911,000 |
| Total Other Finance Cost | $6,223,000 | $4,253,000 | $2,911,000 |
| Operating Expense | $232,209,000 | $164,973,000 | $20,798,000 |
| Other Operating Expenses | $77,200,000 | $54,200,000 | $39,400,000 |
| General And Administrative Expense | $147,395,000 | $104,668,000 | $14,902,000 |
| Selling And Marketing Expense | - | $8,800,000 | $8,069,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $187,965,000 | $128,891,000 | $111,519,000 |
| Net Interest Income | $-6,223,000 | $-4,253,000 | $-2,911,000 |
| Normalized Income | $181,313,775 | $134,020,138 | $107,226,121 |
| Net Income From Continuing And Discontinued Operation | $187,965,000 | $128,891,000 | $111,519,000 |
| Total Operating Income As Reported | $316,495,000 | $220,267,000 | $164,051,000 |
| Net Income Common Stockholders | $187,965,000 | $128,891,000 | $111,519,000 |
| Net Income | $187,965,000 | $128,891,000 | $111,519,000 |
| Net Income Including Noncontrolling Interests | $187,965,000 | $128,891,000 | $111,539,000 |
| Net Income Continuous Operations | $187,965,000 | $128,891,000 | $111,539,000 |
| Pretax Income | $218,436,000 | $137,554,000 | $120,584,000 |
| Operating Income | $216,935,000 | $147,270,000 | $118,854,000 |
| Depreciation Amortization Depletion Income Statement | $5,254,000 | $2,608,000 | $2,372,000 |
| Depreciation And Amortization In Income Statement | $5,254,000 | $2,608,000 | $2,372,000 |
| Gross Profit | $449,144,000 | $312,243,000 | $139,652,000 |
| Special Income Charges | - | $-7,700,000 | $0 |
| Per Share | |||
| Diluted EPS | $5.64 | $2.21 | $1.91 |
| Basic EPS | $5.64 | $2.21 | $1.91 |
| Other | |||
| Tax Effect Of Unusual Items | $1,073,775 | $-344,862 | $348,121 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $214,464,000 | $155,352,000 | $116,585,000 |
| Total Unusual Items | $7,725,000 | $-5,474,000 | $4,641,000 |
| Total Unusual Items Excluding Goodwill | $7,725,000 | $-5,474,000 | $4,641,000 |
| Reconciled Depreciation | $5,254,000 | $2,608,000 | $2,372,000 |
| EBITDA (Bullshit earnings) | $222,189,000 | $149,878,000 | $121,226,000 |
| EBIT | $216,935,000 | $147,270,000 | $118,854,000 |
| Diluted Average Shares | $30,015,000 | $58,266,307 | $58,266,307 |
| Basic Average Shares | $30,015,000 | $58,266,307 | $58,266,307 |
| Diluted NI Availto Com Stockholders | $187,965,000 | $128,891,000 | $111,519,000 |
| Minority Interests | $0 | $0 | $-20,000 |
| Tax Provision | $30,471,000 | $8,663,000 | $9,045,000 |
| Gain On Sale Of Security | $7,725,000 | $-5,474,000 | $4,641,000 |
| Provision For Doubtful Accounts | $2,360,000 | $3,497,000 | $3,524,000 |
| Selling General And Administration | $147,395,000 | $104,668,000 | $14,902,000 |
| Other Gand A | $147,395,000 | $104,668,000 | $14,902,000 |
| Gain On Sale Of Business | - | $-7,700,000 | $0 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $411,580,000 | $314,609,000 | $211,103,000 |
| Total Assets | $2,087,373,000 | $1,654,283,000 | $1,115,366,000 |
| Total Non Current Assets | $82,523,000 | $84,584,000 | $90,232,000 |
| Other Non Current Assets | $16,273,000 | $14,390,000 | $26,543,000 |
| Goodwill And Other Intangible Assets | $64,555,000 | $67,920,000 | $63,689,000 |
| Other Intangible Assets | $6,541,000 | $10,237,000 | $6,519,000 |
| Current Assets | $2,004,850,000 | $1,569,699,000 | $1,025,134,000 |
| Restricted Cash | $24,320,000 | $2,737,000 | $6,233,000 |
| Receivables | $1,957,299,000 | $1,531,456,000 | $1,004,530,000 |
| Other Receivables | $1,928,742,000 | $1,497,748,000 | $984,496,000 |
| Accounts Receivable | $28,557,000 | $33,708,000 | $20,034,000 |
| Allowance For Doubtful Accounts Receivable | $-1,784,000 | $-1,907,000 | - |
| Gross Accounts Receivable | $30,341,000 | $35,615,000 | - |
| Cash Cash Equivalents And Short Term Investments | $23,231,000 | $35,506,000 | $14,371,000 |
| Cash And Cash Equivalents | $23,231,000 | $35,506,000 | $14,371,000 |
| Loans Receivable | - | $1,514,924,000 | $1,004,530,000 |
| Debt | |||
| Net Debt | $1,385,809,000 | $1,159,220,000 | $756,555,000 |
| Total Debt | $1,409,040,000 | $1,194,726,000 | $770,926,000 |
| Long Term Debt And Capital Lease Obligation | $1,177,456,000 | $686,580,000 | $770,926,000 |
| Long Term Debt | $1,177,456,000 | $686,580,000 | $770,926,000 |
| Current Debt And Capital Lease Obligation | $231,584,000 | $508,146,000 | - |
| Current Debt | $231,584,000 | $508,146,000 | - |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $1,611,238,000 | $1,271,754,000 | $811,777,000 |
| Total Non Current Liabilities Net Minority Interest | $1,283,591,000 | $693,633,000 | $770,926,000 |
| Other Non Current Liabilities | $4,178,000 | $4,860,000 | $1,000 |
| Non Current Deferred Liabilities | $101,957,000 | $2,193,000 | - |
| Non Current Deferred Taxes Liabilities | $101,957,000 | $2,193,000 | - |
| Current Liabilities | $327,647,000 | $578,121,000 | $40,851,000 |
| Payables And Accrued Expenses | $96,063,000 | $69,975,000 | $40,851,000 |
| Payables | $96,063,000 | $69,975,000 | $40,851,000 |
| Total Tax Payable | $855,000 | $0 | - |
| Accounts Payable | $95,208,000 | $69,975,000 | $40,851,000 |
| Equity | |||
| Common Stock Equity | $476,135,000 | $382,529,000 | $274,792,000 |
| Total Equity Gross Minority Interest | $476,135,000 | $382,529,000 | $303,589,000 |
| Stockholders Equity | $476,135,000 | $382,529,000 | $274,792,000 |
| Gains Losses Not Affecting Retained Earnings | $3,046,000 | $-15,593,000 | $-1,642,000 |
| Other Equity Adjustments | $3,046,000 | $-15,593,000 | $-1,642,000 |
| Retained Earnings | $522,632,000 | $398,122,000 | $276,434,000 |
| Other Equity Interest | - | - | $-1,000 |
| Other | |||
| Ordinary Shares Number | $58,298,923 | $58,266,307 | $58,266,307 |
| Share Issued | $58,298,923 | $58,266,307 | $58,266,307 |
| Tangible Book Value | $411,580,000 | $314,609,000 | $211,103,000 |
| Invested Capital | $1,885,175,000 | $1,577,255,000 | $1,045,718,000 |
| Working Capital | $1,677,203,000 | $991,578,000 | $984,283,000 |
| Total Capitalization | $1,653,591,000 | $1,069,109,000 | $1,074,515,000 |
| Additional Paid In Capital | $-49,549,000 | $0 | - |
| Capital Stock | $6,000 | $0 | - |
| Common Stock | $6,000 | $0 | - |
| Line Of Credit | $231,584,000 | $508,146,000 | - |
| Goodwill | $58,014,000 | $57,683,000 | $57,170,000 |
| Net PPE | $1,695,000 | $2,274,000 | - |
| Total Partnership Capital | - | $0 | $28,797,000 |
| Limited Partnership Capital | - | $0 | $28,797,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $267,728,000 | $161,998,000 | $118,992,000 |
| Operating Activities | |||
| Operating Cash Flow | $268,813,000 | $168,209,000 | $120,219,000 |
| Cash Flow From Continuing Operating Activities | $268,813,000 | $168,209,000 | $120,219,000 |
| Operating Gains Losses | - | $7,738,000 | - |
| Investing Activities | |||
| Capital Expenditure | $-1,085,000 | $-6,211,000 | $-1,227,000 |
| Investing Cash Flow | $-401,943,000 | $-542,365,000 | $-403,411,000 |
| Cash Flow From Continuing Investing Activities | $-401,943,000 | $-542,365,000 | $-403,411,000 |
| Net Other Investing Changes | $-400,858,000 | $-536,154,000 | $-396,588,000 |
| Financing Activities | |||
| Issuance Of Capital Stock | $10,000,000 | $0 | $0 |
| Financing Cash Flow | $149,699,000 | $388,820,000 | $289,859,000 |
| Cash Flow From Continuing Financing Activities | $149,699,000 | $388,820,000 | $289,859,000 |
| Net Other Financing Charges | $-15,348,000 | $-7,266,000 | $-5,898,000 |
| Cash Dividends Paid | $-63,455,000 | $-36,000,000 | $-30,564,000 |
| Common Stock Dividend Paid | $-63,455,000 | $-36,000,000 | $-30,564,000 |
| Net Common Stock Issuance | $10,000,000 | $0 | $0 |
| Common Stock Issuance | $10,000,000 | $0 | $0 |
| Other | |||
| Repayment Of Debt | $-969,295,000 | $-650,398,000 | $-328,413,000 |
| Issuance Of Debt | $1,187,797,000 | $1,082,484,000 | $654,734,000 |
| Interest Paid Supplemental Data | $95,521,000 | $58,125,000 | $45,111,000 |
| Income Tax Paid Supplemental Data | $8,434,000 | $8,671,000 | $9,045,000 |
| End Cash Position | $47,551,000 | $38,243,000 | $20,604,000 |
| Beginning Cash Position | $38,243,000 | $20,604,000 | $15,157,000 |
| Effect Of Exchange Rate Changes | $-7,261,000 | $2,975,000 | $-1,220,000 |
| Changes In Cash | $16,569,000 | $14,664,000 | $6,667,000 |
| Net Issuance Payments Of Debt | $218,502,000 | $432,086,000 | $326,321,000 |
| Net Long Term Debt Issuance | $218,502,000 | $432,086,000 | $326,321,000 |
| Long Term Debt Payments | $-969,295,000 | $-650,398,000 | $-328,413,000 |
| Long Term Debt Issuance | $1,187,797,000 | $1,082,484,000 | $654,734,000 |
| Net Business Purchase And Sale | $0 | $0 | $-5,596,000 |
| Purchase Of Business | $0 | $0 | $-5,596,000 |
| Net PPE Purchase And Sale | $-1,085,000 | $-6,211,000 | $-1,227,000 |
| Purchase Of PPE | $-1,085,000 | $-6,211,000 | $-1,227,000 |
| Change In Working Capital | $28,322,000 | $29,487,000 | $627,000 |
| Change In Other Current Assets | $-1,754,000 | $-435,000 | $-26,230,000 |
| Change In Payables And Accrued Expense | $25,482,000 | $37,248,000 | $8,996,000 |
| Change In Receivables | $4,594,000 | $-7,326,000 | $17,861,000 |
| Changes In Account Receivables | $4,594,000 | $-7,326,000 | $17,861,000 |
| Other Non Cash Items | $6,223,000 | $4,253,000 | $2,911,000 |
| Stock Based Compensation | $17,224,000 | $0 | $0 |
| Provisionand Write Offof Assets | $2,360,000 | $3,497,000 | $3,524,000 |
| Deferred Tax | $21,465,000 | $-527,000 | $-754,000 |
| Deferred Income Tax | $21,465,000 | $-527,000 | $-754,000 |
| Depreciation Amortization Depletion | $5,254,000 | $2,608,000 | $2,372,000 |
| Depreciation And Amortization | $5,254,000 | $2,608,000 | $2,372,000 |
| Net Income From Continuing Operations | $187,965,000 | $128,891,000 | $111,539,000 |
| Net Intangibles Purchase And Sale | - | $-5,272,000 | $0 |
| Purchase Of Intangibles | - | $-5,272,000 | $0 |
| Change In Prepaid Assets | - | $-7,761,000 | $-8,369,000 |
| Amortization Cash Flow | - | $5,536,000 | $3,827,000 |
| Amortization Of Intangibles | - | $5,536,000 | $3,827,000 |
| Depreciation | - | $1,325,000 | $1,456,000 |
| Gain Loss On Sale Of Business | - | $7,738,000 | $0 |
Fetched: 2026-06-17