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Jefferson Capital, Inc. Common Stock logo

Jefferson Capital, Inc. Common Stock

JCAP

NASDAQFinancial ServicesFinancial - Credit Services

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Previous close

$22.29

−$0.05 · -0.22%

Aug 21, 4:00 PM ET

JCAP company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

43

Neutral

Sentiment

58

Mixed

Risk resilience

61

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

Jefferson Capital, Inc. is a company that specializes in financial recovery and debt resolution services, operating across the United States, the United Kingdom, Canada, and Latin America. Its primary business involves acquiring large bundles of consumer debt that have previously been written off by original lenders. These portfolios of defaulted accounts are purchased at significantly reduced prices compared to their original value. The company then works directly with individuals to help them settle their obligations and progress towards financial rehabilitation. The types of consumer debt Jefferson Capital manages include, but are not limited to, credit card balances, both secured and unsecured automotive loans, and outstanding bills from telecommunications and utility providers. Additionally, the company extends its expertise to credit originators, offering loan administration and other portfolio management services specifically for their non-performing loans. Established in 2002, Jefferson Capital, Inc. is headquartered in Sartell, Minnesota.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
David Burton
Listed since
Jun 25, 2025
Employees
1,120

Market position

Day range

Current $22.29

52-week range

Current $22.29

Open
$22.26
Previous close
$22.34
Volume
520.38K
1.57× average
Average volume
330.81K
Average daily volume
Market cap
1.37B USD
Beta
-0.13
Market reference 1
50-day average
$19.6306
+13.55% above average
200-day average
$20.2619
+10.01% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.34B USD
P/E (TTM)
8.38×
P/B (TTM)
2.6×
P/S (TTM)
2.08×
EV / EBITDA
7.09×
Earnings yield
28.03%
Free cash flow yield
39.93%
Dividend yield
4.31%

Profitability & efficiency

Gross margin
78.48%
Operating margin
41.81%
Net margin
23.50%
Return on equity
39.48%
Return on assets
9.00%
Return on invested capital
13.05%

Financial health

Debt / equity
2.95×
Current ratio
0.2×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends189%129%69%9%Gross margin, FY2018: 94.52%Gross margin, FY2019: 91.14%Gross margin, FY2023: 73.80%Gross margin, FY2024: 71.17%Gross margin, FY2025: 67.76%Operating margin, FY2018: 35.48%Operating margin, FY2019: 35.26%Operating margin, FY2023: 50.78%Operating margin, FY2024: 50.84%Operating margin, FY2025: 51.61%Net margin, FY2018: 174.17%Net margin, FY2019: 98.48%Net margin, FY2023: 34.52%Net margin, FY2024: 24.30%Net margin, FY2025: 30.65%FY2018FY2019FY2023FY2024FY2025
Gross margin FY2018 94.52%. Gross margin FY2019 91.14%. Gross margin FY2023 73.80%. Gross margin FY2024 71.17%. Gross margin FY2025 67.76%. Operating margin FY2018 35.48%. Operating margin FY2019 35.26%. Operating margin FY2023 50.78%. Operating margin FY2024 50.84%. Operating margin FY2025 51.61%. Net margin FY2018 174.17%. Net margin FY2019 98.48%. Net margin FY2023 34.52%. Net margin FY2024 24.30%. Net margin FY2025 30.65%.

Income trends

Revenue

613.29M USD+41.54%

Operating income

316.5M USD+43.67%

Net income

187.97M USD+78.50%
Income trends across reported periods673.51M USD432.62M USD191.74M USD−49.15M USDRevenue, FY2018: 31.21M USDRevenue, FY2019: 45.09M USDRevenue, FY2023: 323.07M USDRevenue, FY2024: 433.3M USDRevenue, FY2025: 613.29M USDOperating income, FY2018: 11.08M USDOperating income, FY2019: 15.9M USDOperating income, FY2023: 164.05M USDOperating income, FY2024: 220.3M USDOperating income, FY2025: 316.5M USDNet income, FY2018: 54.37M USDNet income, FY2019: 44.41M USDNet income, FY2023: 111.52M USDNet income, FY2024: 105.3M USDNet income, FY2025: 187.97M USDFY2018FY2019FY2023FY2024FY2025
Revenue FY2018 31.21M USD. Revenue FY2019 45.09M USD. Revenue FY2023 323.07M USD. Revenue FY2024 433.3M USD. Revenue FY2025 613.29M USD. Operating income FY2018 11.08M USD. Operating income FY2019 15.9M USD. Operating income FY2023 164.05M USD. Operating income FY2024 220.3M USD. Operating income FY2025 316.5M USD. Net income FY2018 54.37M USD. Net income FY2019 44.41M USD. Net income FY2023 111.52M USD. Net income FY2024 105.3M USD. Net income FY2025 187.97M USD.
Metric (USD)FY2025FY2024FY2023FY2019FY2018
Revenue613.29M USD433.3M USD323.07M USD45.09M USD31.21M USD
Cost of goods sold197.71M USD124.9M USD84.64M USD3.99M USD1.71M USD
Gross profit415.58M USD308.4M USD238.44M USD41.1M USD29.5M USD
Research and development———205K USD386K USD
Selling, general, and administrative147.4M USD96.9M USD77.2M USD16.61M USD14.33M USD
Operating expenses99.09M USD88.1M USD74.39M USD25.2M USD18.43M USD
Interest income566.42M USD————
Interest expense105.78M USD——8.5M USD2.16M USD
Depreciation and amortization5.25M USD6.86M USD5.28M USD6.26M USD3.49M USD
Operating income316.5M USD220.3M USD164.05M USD15.9M USD11.08M USD
Net income187.97M USD105.3M USD111.52M USD44.41M USD54.37M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
60%
6 beats, 4 misses, 0 met estimates
Average EPS surprise
+70.03%
10 comparable reports
Latest EPS result
0.67
Estimate 0.68 · Miss by 1.90%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.050.650.24-0.16Q3 '20BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ2 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q3 2020, reported Aug 8, 2020: actual -0.015, estimate -0.08, surprise +81.50%, Beat. Q2 2025, reported May 23, 2025: actual 0.97, estimate 0.827, surprise +17.29%, Beat. Q3 2025, reported Aug 14, 2025: actual 0.81, estimate 0.88, surprise -7.95%, Miss. Q4 2025, reported Nov 13, 2025: actual 0.74, estimate 0.64, surprise +15.62%, Beat. Q2 2026, reported May 14, 2026: actual 0.61, estimate 0.702, surprise -13.11%, Miss. Q2 2026, reported Jun 11, 2026: actual 0.68, estimate 0.8, surprise -15.00%, Miss. Q3 2026, reported Aug 13, 2026: actual 0.67, estimate 0.683, surprise -1.90%, Miss. Q4 2026, reported Nov 12, 2026: actual —, estimate 0.728, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates191.08M129.73M68.37M7.01MQ3 '20BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ2 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q3 2020, reported Aug 8, 2020: actual 11.67M USD, estimate 8.25M USD, surprise +41.41%, Beat. Q2 2025, reported May 23, 2025: actual 154.94M USD, estimate 145.27M USD, surprise +6.66%, Beat. Q3 2025, reported Aug 14, 2025: actual 152.71M USD, estimate 145.27M USD, surprise +5.12%, Beat. Q4 2025, reported Nov 13, 2025: actual 150.84M USD, estimate 153.78M USD, surprise -1.91%, Miss. Q2 2026, reported May 14, 2026: actual 176.44M USD, estimate 169.33M USD, surprise +4.20%, Beat. Q2 2026, reported Jun 11, 2026: actual 176.44M USD, estimate 169.33M USD, surprise +4.20%, Beat. Q3 2026, reported Aug 13, 2026: actual 177.54M USD, estimate 169.66M USD, surprise +4.64%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 175.86M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

10 ratings
Strong buy00%
Buy990%
Hold00%
Sell110%
Strong sell00%

JCAP news

globenewswire.com

Jefferson Capital Announces Pricing of $100 Million of Senior Notes due 2030

MINNEAPOLIS, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), announced today the pricing of an offering (the “Offering”) of $100 million aggregate principal amount of…

Read source
globenewswire.com

Jefferson Capital Announces Proposed Private Offering of Senior Notes

MINNEAPOLIS, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), announced today the launch of an offering (the “Offering”) of $100 million in aggregate principal amount of…

Read source
defenseworld.net

Jernigan Capital, Inc. (NASDAQ:JCAP) Receives $27.50 Consensus Price Target from Analysts

Shares of Jernigan Capital, Inc. (NASDAQ: JCAP - Get Free Report) have received a consensus rating of "Moderate Buy" from the seven ratings firms that are covering the stock, MarketBeat reports. Two research analysts…

Read source
defenseworld.net

Bank of New York Mellon Corp Buys 23,135 Shares of Jernigan Capital, Inc. $JCAP

Bank of New York Mellon Corp grew its stake in shares of Jernigan Capital, Inc. (NASDAQ: JCAP) by 103.2% during the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission.…

Read source
marketbeat.com

Jernigan Capital Q2 Earnings Call Highlights

Jefferson Capital reported higher second-quarter collections, revenue and portfolio purchases, while highlighting expanding opportunities in auto finance and its entry into Mexico's debt-purchasing market.

Read source
seekingalpha.com

Jefferson Capital, Inc. (JCAP) Q2 2026 Earnings Call Transcript

Jefferson Capital, Inc. (JCAP) Q2 2026 Earnings Call Transcript

Read source

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ETFs holding JCAP

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
13.71M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
10.72M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
9.5M
Weight
0.03%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
3.95M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
3.28M
Weight
0.02%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Fidelity Small-Mid Multifactor ETF logoFidelity Small-Mid Multifactor ETFFSMD
Market value
2.82M
Weight
0.09%
AUM
2.5B USD
Expense ratio
0.15%
Price / 1D
$52.03+0.44%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
2.56M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.92M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%

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