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Jefferson Capital, Inc. Common Stock(JCAP)Earnings, Financials & Key Ratios
JCAP•NASDAQ•Banking & Credit
$20.38
$1.19B mkt cap·11.3× P/E·Price updated May 6, 2026
AboutJefferson 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.Show more
- Net Interest Income$0
- Total Revenue$433M+34.1%
- Net Income$105M-5.6%
- Return on Equity32.04%+24.1%
- Net Interest Margin0%
- Efficiency Ratio20.33%-11.7%
- ROA7.6%-34.3%
- Equity / Assets23.12%-6.1%
- Book Value per Share6.57+39.2%
- Tangible BV/Share5.40+49.0%
- Debt/Equity3.12+11.3%
JCAP Key Insights
Jefferson Capital, Inc. Common Stock (JCAP) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 21.9%
- ✓Strong 5Y profit CAGR of 45.7%
- ✓Efficient operations: 20.3% efficiency ratio
- ✓Well capitalized: 23.1% equity/assets
- ✓Healthy dividend yield of 3.0%
- ✓Diversified revenue: 100.0% from non-interest income
✗Weaknesses
- ✗High debt to equity ratio of 3.1x
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
JCAP Price & Volume
Jefferson Capital, Inc. Common Stock (JCAP) stock price & volume — 10-year historical chart
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JCAP Growth Metrics
Jefferson Capital, Inc. Common Stock (JCAP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years131.39%
3 Years140.33%
TTM-
Profit CAGR
10 Years-
5 Years45.74%
3 Years24.65%
TTM491.74%
EPS CAGR
10 Years-
5 Years-6.84%
3 Years-16.78%
TTM256.73%
Return on Capital
10 Years4.97%
5 Years7.98%
3 Years12.18%
Last Year16.62%
JCAP Recent Earnings
Jefferson Capital, Inc. Common Stock (JCAP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (33%)●Beat Revenue 2/12 qtrs (67%)
Q2 2026Latest
Mar 12, 2026EPS
$0.65
Est $0.71
-8.5%
Revenue
$155M
Est $154M
+0.7%
Q4 2025
Nov 13, 2025EPS
$0.74
Est $0.64
+15.6%
Revenue
$151M
Est $154M
-2.0%
Q3 2025
Aug 14, 2025EPS
$0.81
Est $0.88
-8.0%
Revenue
$153M
Est $145M
+5.1%
Q2 2025
Mar 31, 2025EPS
$0.87
Revenue
$155M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 12, 2026 | $0.65vs $0.71-8.5% | $155Mvs $154M+0.7% |
| Q4 2025 | Nov 13, 2025 | $0.74vs $0.64+15.6% | $151Mvs $154M-2.0% |
| Q3 2025 | Aug 14, 2025 | $0.81vs $0.88-8.0% | $153Mvs $145M+5.1% |
| Q2 2025 | Mar 31, 2025 | $0.87 | $155M |
Based on last 12 quarters of dataView full earnings history →
JCAP Peer Comparison
Jefferson Capital, Inc. Common Stock (JCAP) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 PRAA | 818.67M | 21.29 | -2.73 | 10.36% | -25.96% | 0.03 | ||
 ECPG | 1.8B | 84.24 | 7.72 | 33.89% | 30.7% | 4.23 | ||
 FCFS | 9.99B | 226.38 | 30.51 | 8.04% | 15.91% | 1.24 | ||
 OMF | 6.55B | 55.90 | 8.52 | 9.09% | 23.62% | 6.67 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 | ||
 SLM | 4.46B | 22.53 | 6.51 | 4.1% | 31.01% | 2.39 | ||
 NAVI | 820.53M | 8.73 | -10.78 | -23.74% | -2.45% | 19.05 | ||
 WRLD | 751.13M | 149.09 | 9.15 | -1.46% | 10.79% | 1.20 |
Compare JCAP vs Peers
Jefferson Capital, Inc. Common Stock (JCAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JCAP Income Statement
Jefferson Capital, Inc. Common Stock (JCAP) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'15 | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 0 | -8.5M | 0 | 0 | -77.18B |
| NII Growth % | - | - | - | - | - | 100% | - | 0% |
| Net Interest Margin % | 0% | 0% | 0% | 0% | -1.05% | 0% | 0% | -4281.05% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 559K | 1.05M | 2.15M | 8.5M | 0 | 0 | 77.18B |
| Loan Loss Provision | 0 | -559K | -782K | -443K | -4.51M | 84.64M | 124.9M | -77.03B |
| Non-Interest Income | 1.74M | 6.53M | 12.19M | 31.21M | 45.09M | 323.07M | 433.3M | 577.39M |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 1.74M▲ 0% | 6.53M▲ 274.8% | 12.19M▲ 86.6% | 31.21M▲ 156.0% | 45.09M▲ 44.5% | 323.07M▲ 616.5% | 433.3M▲ 34.1% | 577.39M▲ 0% |
| Revenue Growth % | - | 274.76% | 86.63% | 156.04% | 44.46% | 616.46% | 34.12% | 0% |
| Non-Interest Expense | 4.96M | 9.39M | 9.78M | 18.43M | 25.2M | 74.39M | 88.1M | 292.93M |
| Efficiency Ratio | 284.85% | 143.77% | 80.2% | 59.03% | 55.88% | 23.02% | 20.33% | 50.73% |
| Operating Income | -3.22M▲ 0% | -2.86M▲ 11.3% | 2.14M▲ 175.0% | 11.07M▲ 416.8% | 15.9M▲ 43.6% | 164.05M▲ 931.7% | 220.3M▲ 34.3% | 126.5M▲ 0% |
| Operating Margin % | -184.85% | -43.77% | 17.58% | 35.48% | 35.26% | 50.78% | 50.84% | 21.91% |
| Operating Income Growth % | - | 11.27% | 174.96% | 416.8% | 43.58% | 931.7% | 34.29% | - |
| Pretax Income | -2.94M▲ 0% | 16.02M▲ 644.2% | 14.56M▼ 9.1% | 54.37M▲ 273.4% | 44.41M▼ 18.3% | 120.58M▲ 171.5% | 138M▲ 14.4% | 204.29M▲ 0% |
| Pretax Margin % | -168.85% | 245.21% | 119.42% | 174.17% | 98.48% | 37.32% | 31.85% | 35.38% |
| Income Tax | 0 | 0 | 0 | 0 | 0 | 9.04M | 32.7M | 64.31M |
| Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 7.5% | 23.7% | 31.48% |
| Net Income | -2.94M▲ 0% | 16.02M▲ 644.2% | 14.56M▼ 9.1% | 54.37M▲ 273.4% | 44.41M▼ 18.3% | 111.52M▲ 151.1% | 105.3M▼ 5.6% | 140.08M▲ 0% |
| Net Margin % | -168.85% | 245.21% | 119.42% | 174.17% | 98.48% | 34.52% | 24.3% | 24.26% |
| Net Income Growth % | - | 644.24% | -9.1% | 273.42% | -18.32% | 151.13% | -5.58% | 491.74% |
| Net Income (Continuing) | -2.94M | 16.02M | 14.56M | 54.37M | 44.41M | 111.54M | 105.3M | 139.98M |
| EPS (Diluted) | -0.65▲ 0% | 2.58▲ 496.9% | 1.22▼ 52.7% | 3.14▲ 157.4% | 2.06▼ 34.4% | 1.91▼ 7.3% | 1.81▼ 5.2% | 6.84▲ 0% |
| EPS Growth % | - | 496.92% | -52.71% | 157.38% | -34.39% | -7.28% | -5.24% | 256.73% |
| EPS (Basic) | -0.65 | 2.64 | 1.22 | 3.14 | 2.06 | 1.91 | 1.81 | - |
| Diluted Shares Outstanding | 4.5M | 6.21M | 11.91M | 17.31M | 21.59M | 58.27M | 58.27M | 20.49M |
JCAP Balance Sheet
Jefferson Capital, Inc. Common Stock (JCAP) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'15 | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 43.86M | 67.37M | 46.98M | 8.71M | 3.28M | 14.37M | 35.51M | 156.43M |
| Cash & Due from Banks | 43.86M | 67.37M | 46.98M | 8.71M | 3.28M | 14.37M | 35.51M | 42.27M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 5.37M | 13.86M | 14.15M | 11.25M | 0 | 0 | 0 |
| Investments Growth % | - | - | 157.88% | 2.16% | -20.54% | -100% | - | 0% |
| Long-Term Investments | 0 | 5.37M | 13.86M | 14.15M | 11.25M | 0 | 0 | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 4.71M | 20.03M | 17.18M | 33.48M |
| Goodwill & Intangibles | 0 | 0 | 0 | 3.55M | 0 | 63.69M | 67.92M | 65.18M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 57.17M | 57.68M | 57.91M |
| Intangible Assets | 0 | 0 | 0 | 3.55M | 0 | 6.52M | 10.24M | 7.27M |
| PP&E (Net) | 261K | 199K | 182K | 233K | 203K | 0 | 0 | 1.87M |
| Other Assets | 40.22M | 97.31M | 245.59M | 550.6M | 780.53M | 26.54M | 33.2M | 15.52M |
| Total Current Assets | 64.94M | 89.9M | 55M | 17.25M | 16.64M | 1.03B | 1.55B | 1.72B |
| Total Non-Current Assets | 40.48M | 102.88M | 259.63M | 573.16M | 796.13M | 90.23M | 101.12M | 82.56M |
| Total Assets | 105.43M▲ 0% | 192.78M▲ 82.9% | 314.63M▲ 63.2% | 590.41M▲ 87.6% | 812.78M▲ 37.7% | 1.12B▲ 37.2% | 1.65B▲ 48.3% | 1.8B▲ 0% |
| Asset Growth % | - | 82.86% | 63.21% | 87.65% | 37.66% | 37.23% | 48.32% | 0% |
| Return on Assets (ROA) | -2.79% | 10.74% | 5.74% | 12.01% | 6.33% | 11.57% | 7.6% | 8.07% |
| Accounts Payable | 808K | 697K | 1.14M | 2.4M | 4.82M | 0 | 0 | 0 |
| Total Debt | 0 | 18.58M | 718K | 24.61M | 202.79M | 770.93M | 1.19B | 1.19B |
| Net Debt | -43.86M | -48.79M | -46.26M | 15.89M | 199.51M | 756.55M | 1.16B | 1.14B |
| Long-Term Debt | 0 | 18.58M | 718K | 24.61M | 202.79M | 770.93M | 1.19B | 1.18B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 3.66M | 5.83M | 8.1M | 17.93M | 21.11M | 40.85M | 77.03M | 79.52M |
| Total Non-Current Liabilities | 0 | 18.58M | 718K | 24.61M | 202.79M | 770.93M | 1.19B | 1.29B |
| Total Liabilities | 3.66M | 24.42M | 8.81M | 42.54M | 223.9M | 811.78M | 1.27B | 1.37B |
| Total Equity | 101.3M▲ 0% | 168.36M▲ 66.2% | 305.82M▲ 81.6% | 547.86M▲ 79.1% | 588.87M▲ 7.5% | 274.79M▼ 53.3% | 382.53M▲ 39.2% | 437.37M▲ 0% |
| Equity Growth % | - | 66.2% | 81.64% | 79.15% | 7.49% | -53.34% | 39.21% | 0% |
| Equity / Assets (Capital Ratio) | 96.09% | 87.33% | 97.2% | 92.79% | 72.45% | 24.64% | 23.12% | 24.26% |
| Return on Equity (ROE) | -2.91% | 11.88% | 6.14% | 12.74% | 7.81% | 25.82% | 32.04% | 34.93% |
| Book Value per Share | 22.49 | 27.10 | 25.67 | 31.65 | 27.28 | 4.72 | 6.57 | 21.34 |
| Tangible BV per Share | 22.49 | 27.10 | 25.67 | 31.44 | 27.28 | 3.62 | 5.40 | 18.16 |
| Common Stock | 62K | 90K | 144K | 204K | 224K | 0 | 0 | 6K |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -60.75M |
| Retained Earnings | -9.4M | -3.84M | -8.9M | 1.73M | -5.02M | 276.43M | 398.12M | 500.41M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | -1.64M | -15.59M | -2.3M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
JCAP Cash Flow Statement
Jefferson Capital, Inc. Common Stock (JCAP) cash flow — operating, investing & free cash flow history
| Line item | Dec'15 | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -3.04M | -5.47M | -3.57M | -6.3M | -13.63M | 120.22M | 168.21M | 168.21M |
| Operating CF Growth % | - | -79.93% | 34.69% | -76.56% | -116.24% | 981.76% | 39.92% | 0% |
| Net Income | -2.94M | 16.02M | 14.56M | 54.37M | 44.41M | 111.54M | 128.89M | 140.08M |
| Depreciation & Amortization | 21K | 112K | 534K | 3.49M | 6.26M | 5.28M | 6.86M | 9.39M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -1.62M | -22.5M | -20.96M | -67.1M | -64.49M | 3.52M | 11.23M | 38.66M |
| Working Capital Changes | 1.2M | -178K | 997K | 1.01M | -1.96M | -127K | 21.22M | 45.75M |
| Cash from Investing | -117.77M | -43.39M | -115.55M | -241.75M | -321.31M | -403.41M | -542.37M | -420.04M |
| Purchase of Investments | -58.88M | -429K | 0 | -1.8M | -156.11M | 0 | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 362K | 0 | 0 | 0 |
| Net Investment Activity | -57.88M | 571K | 1000K | -800K | -155.75M | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | -5.6M | 0 | 0 |
| Other Investing | 0 | -12.9M | 12.48M | 1.99M | 1.01M | -396.59M | -541.43M | -418.9M |
| Cash from Financing | 106.09M | 36.2M | 72.66M | 34.97M | -4.17M | 289.86M | 388.82M | 176.48M |
| Dividends Paid | -4.3M | -8.49M | -16.95M | -30.59M | -41.72M | -30.56M | -36M | -63.94M |
| Share Repurchases | 0 | -3.19M | -177K | -333K | -572K | 0 | 0 | 0 |
| Stock Issued | 110.39M | 53.46M | 111.76M | 101.63M | 38.12M | 0 | 0 | 0 |
| Net Stock Activity | 110.39M | 50.27M | 111.58M | 101.29M | 37.55M | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K | 593K |
| Other Financing | 110.39M | 44.69M | 89.61M | 65.56M | 37.55M | -5.9M | -7.27M | 2M |
| Net Change in Cash | 43.86M▲ 0% | 23.51M▼ 46.4% | -20.4M▼ 186.7% | -38.26M▼ 87.6% | -5.44M▲ 85.8% | 5.45M▲ 200.2% | 17.64M▲ 223.8% | 24.63M▲ 0% |
| Exchange Rate Effect | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1.44M |
| Cash at Beginning | 1K | 43.86M | 67.37M | 46.98M | 8.71M | 15.16M | 20.6M | 55.5M |
| Cash at End | 43.86M | 67.37M | 46.98M | 8.71M | 3.28M | 20.6M | 38.24M | 46.07M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 45.11M | 58.13M | 79.25M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 9.04M | 8.67M | 9.31M |
| Free Cash Flow | -67.94M▲ 0% | -50.56M▲ 25.6% | -159.11M▼ 214.7% | -281.29M▼ 76.8% | -180.21M▲ 35.9% | 118.99M▲ 166.0% | 162M▲ 36.1% | 264.59M▲ 0% |
| FCF Growth % | - | 25.58% | -214.68% | -76.79% | 35.93% | 166.03% | 36.14% | 281.75% |
JCAP Banking Ratios
Jefferson Capital, Inc. Common Stock (JCAP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.88% | 6.14% | 12.74% | 7.81% | 25.82% | 32.04% | 34.93% |
| Return on Assets (ROA) | 10.74% | 5.74% | 12.01% | 6.33% | 11.57% | 7.6% | 8.07% |
| Net Interest Margin | 0% | 0% | 0% | -1.05% | 0% | 0% | -4281.05% |
| Efficiency Ratio | 143.77% | 80.2% | 59.03% | 55.88% | 23.02% | 20.33% | 50.73% |
| Equity / Assets | 87.33% | 97.2% | 92.79% | 72.45% | 24.64% | 23.12% | 24.26% |
| Book Value / Share | 27.1 | 25.67 | 31.65 | 27.28 | 4.72 | 6.57 | 21.34 |
| NII Growth | - | - | - | - | 100% | - | -834863.22% |
| Dividend Payout | 52.99% | 116.44% | 56.27% | 93.96% | 27.41% | 34.19% | 45.65% |
JCAP SEC Filings & Documents
Jefferson Capital, Inc. Common Stock (JCAP) SEC filings — annual & quarterly reports (10-K, 10-Q)
JCAP Frequently Asked Questions
Jefferson Capital, Inc. Common Stock (JCAP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Jefferson Capital, Inc. Common Stock (JCAP) grew revenue by 34.1% over the past year. This is strong growth.
Yes, Jefferson Capital, Inc. Common Stock (JCAP) is profitable, generating $140.1M in net income for fiscal year 2024 (24.3% net margin).
Dividend & Returns
Yes, Jefferson Capital, Inc. Common Stock (JCAP) pays a dividend with a yield of 3.03%. This makes it attractive for income-focused investors.
Jefferson Capital, Inc. Common Stock (JCAP) has a return on equity (ROE) of 32.0%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Jefferson Capital, Inc. Common Stock (JCAP) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Jefferson Capital, Inc. Common Stock (JCAP) has an efficiency ratio of 20.3%. This is excellent, indicating strong cost control.
Explore More JCAP
Jefferson Capital, Inc. Common Stock (JCAP) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates