/JCAP
JCAP Stock - Jefferson Capital, Inc. Common Stock
Financial Services|Financial - Credit ServicesNASDAQ
$22.58+1.71%
+$0.38 (+1.71%) • Dec 19
80
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
High Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.93
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).76
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+12.9%upside
Target: $25.49
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ENTRY ZONE$22.35 – $22.81
TARGET (TP)$25.50
STOP LOSS$20.77
RISK/REWARD1:1.6
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta-5.60
52W High$22.92
52W Low$15.98
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|
| Revenue | $433.30M | $323.07M | $45.09M | $31.21M | $12.19M |
| Gross Profit | $308.40M | $238.44M | $41.10M | $29.50M | $11.92M |
| Gross Margin | 71.2% | 73.8% | 91.1% | 94.5% | 97.8% |
| Operating Income | $220.30M | $164.05M | $15.90M | $11.07M | $2.14M |
| Net Income | $105.30M | $111.52M | $44.41M | $54.37M | $14.56M |
| Net Margin | 24.3% | 34.5% | 98.5% | 174.2% | 119.4% |
| EPS | $1.81 | $1.91 | $2.06 | $3.14 | $1.22 |
Company Overview
Jefferson 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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
5
100%
Hold / Neutral
0%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
5 Bullish0 Neutral/Bearish
Price Targets
$23
Average Target
↑ 3.6% Upside
Now
$19
Low
$23
Average
$29
High
Based on 5 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| July 21st 2025 | Citizens JMP | Initiation | Mkt Outperform | $23 |
| July 21st 2025 | Keefe Bruyette | Initiation | Outperform | $22 |
| July 21st 2025 | Jefferies | Initiation | Buy | $29 |
| July 21st 2025 | Truist | Initiation | Buy | $24 |
| July 21st 2025 | Raymond James | Initiation | Outperform | $19 |
Earnings History & Surprises
JCAPBeat Rate
50%
Last 2 quarters
Avg Surprise
+3.8%
EPS vs Estimate
Beats / Misses
1/1
Last 12 quarters
Latest EPS
$0.74
Q4 2025
EPS Surprise History
Q1 20
No data
Q2 20
No data
Q2 20
No data
Q1 24
No data
Q2 24
No data
Q1 25
No data
Q3 25
-8.0%
$0.81vs$0.88
Q4 25
+15.6%
$0.74vs$0.64
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Feb 12, 2026 | $0.71 | — | — | — |
Q4 2025 | Nov 13, 2025 | $0.64 | $0.74 | +15.6% | ✓ BEAT |
Q3 2025 | Aug 14, 2025 | $0.88 | $0.81 | -8.0% | ✗ MISS |
Q1 2025 | Mar 31, 2025 | — | $0.87 | — | — |
Q2 2024 | Jun 30, 2024 | — | $0.55 | — | — |
Q1 2024 | Mar 31, 2024 | — | $0.56 | — | — |
Q2 2020 | Jun 30, 2020 | — | $-0.01 | — | — |
Q2 2020 | May 8, 2020 | — | $-2.30 | — | — |
Q1 2020 | Feb 27, 2020 | — | $0.29 | — | — |
Q4 2019 | Nov 1, 2019 | — | $0.49 | — | — |
Q3 2019 | Aug 2, 2019 | — | $0.67 | — | — |
Q2 2019 | May 2, 2019 | — | $0.59 | — | — |
Q1 2019 | Mar 1, 2019 | — | $1.13 | — | — |
Q4 2018 | Nov 2, 2018 | — | $0.82 | — | — |
Q3 2018 | Aug 2, 2018 | — | $0.69 | — | — |
Q2 2018 | May 4, 2018 | — | $0.37 | — | — |
Q1 2018 | Mar 2, 2018 | — | $0.22 | — | — |
Q4 2017 | Nov 7, 2017 | — | $0.31 | — | — |
Q3 2017 | Aug 8, 2017 | — | $0.52 | — | — |
Q2 2017 | May 9, 2017 | — | $0.20 | — | — |
Latest News
Keefe, Bruyette & Woods Maintains Outperform on Jefferson Capital, Raises Price Target to $28
📈 PositiveBenzinga•Nov 17, 2025, 02:38 PM
Citizens Maintains Market Outperform on Jefferson Capital, Raises Price Target to $26
📈 PositiveBenzinga•Nov 14, 2025, 03:22 PM
Jefferson Capital Q3 Adj. EPS $0.74 Beats $0.62 Estimate, Sales $150.842M Beat $146.624M Estimate
📈 PositiveBenzinga•Nov 13, 2025, 09:06 PM
Jefferson Capital Enters Agreement To Acquire Portfolio Of Credit Card Assets From Bluestem Brands' Affiliates For $302.8M
📈 PositiveBenzinga•Oct 27, 2025, 12:07 PM
Jefferson Capital Revenue Up 47% in Q2
📈 PositiveThe Motley Fool•Aug 14, 2025, 08:53 PM
Frequently Asked Questions about JCAP
What is JCAP's current stock price?
Jefferson Capital, Inc. Common Stock (JCAP) is currently trading at $22.58 per share. The stock has moved +1.71% today.
What is the analyst price target for JCAP?
The average analyst price target for JCAP is $25.50, based on 1 analyst.
What sector is Jefferson Capital, Inc. Common Stock in?
Jefferson Capital, Inc. Common Stock operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is JCAP's market cap?
Jefferson Capital, Inc. Common Stock has a market capitalization of $1.32 billion, making it a small-cap company.
Does JCAP pay dividends?
No, Jefferson Capital, Inc. Common Stock does not currently pay a dividend to shareholders.
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