Jefferson Capital, Inc. Common Stock (JCAP) 10-Year Financial Performance & Capital Metrics

JCAP • • Banking & Credit

Financial ServicesCredit ServicesDebt Collection and Collateral Lending

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 Equity 32.04% +24.1%
Net Interest Margin 0%
Efficiency Ratio 20.33% -11.7%
ROA 7.6% -34.3%
Equity / Assets 23.12% -6.1%
Book Value per Share 6.57 +39.2%
Tangible BV/Share 5.40 +49.0%
Debt/Equity 3.12 +11.3%

Technical Analysis

Key Insights

Based on financial 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

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y131.39%

3Y140.33%

TTM-

Profit (Net Income) CAGR

10Y-

5Y45.74%

3Y24.65%

TTM491.74%

EPS CAGR

10Y-

5Y-6.84%

3Y-16.78%

TTM256.73%

ROCE

10Y Avg4.97%

5Y Avg7.98%

3Y Avg12.18%

Latest16.62%

Peer Comparison

Debt Collection and Collateral Lending

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FCFSFirstCash Holdings, Inc	8.48B	192.79	25.98	8.04%	9.02%	14.08%		0.11
EZPWEZCORP, Inc.	1.64B	26.53	18.68	9.7%	8.6%	11.48%	6.75%	0.75
JCAPJefferson Capital, Inc. Common Stock	1.2B	20.63	11.40	34.12%	24.3%	32.03%	13.47%	3.12
PRAAPRA Group, Inc.	615.56M	15.75	8.80	37.81%	6.28%	-34.88%		2.82
LMFALM Funding America, Inc.	5.78M	0.37	-0.14	77.73%	-66.51%	-15.31%		0.22

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	0	-8.5M	0	0
NII Growth %	-	-	-	-	-	100%	-
Net Interest Margin %	-	-	-	-	-	-	-
Interest Income	0	0	0	0	0	0	0
Interest Expense	0	559K	1.05M	2.15M	8.5M	0	0
Loan Loss Provision	0	-559K	-782K	-443K	-4.51M	84.64M	124.9M
Non-Interest Income+	1.74M	6.53M	12.19M	31.21M	45.09M	323.07M	433.3M
Non-Interest Income %	-	-	-	-	-	-	-
Total Revenue+	1.74M	6.53M	12.19M	31.21M	45.09M	323.07M	433.3M
Revenue Growth %	-	274.76%	86.63%	156.04%	44.46%	616.46%	34.12%
Non-Interest Expense	4.96M	9.39M	9.78M	18.43M	25.2M	74.39M	88.1M
Efficiency Ratio	-	-	-	-	-	-	-
Operating Income+	-3.22M	-2.86M	2.14M	11.07M	15.9M	164.05M	220.3M
Operating Margin %	-	-	-	-	-	-	-
Operating Income Growth %	-	11.27%	174.96%	416.8%	43.58%	931.7%	34.29%
Pretax Income+	-2.94M	16.02M	14.56M	54.37M	44.41M	120.58M	138M
Pretax Margin %	-	-	-	-	-	-	-
Income Tax+	0	0	0	0	0	9.04M	32.7M
Effective Tax Rate %	-	-	-	-	-	-	-
Net Income+	-2.94M	16.02M	14.56M	54.37M	44.41M	111.52M	105.3M
Net Margin %	-	-	-	-	-	-	-
Net Income Growth %	-	644.24%	-9.1%	273.42%	-18.32%	151.13%	-5.58%
Net Income (Continuing)	-2.94M	16.02M	14.56M	54.37M	44.41M	111.54M	105.3M
EPS (Diluted)+	-0.65	2.58	1.22	3.14	2.06	1.91	1.81
EPS Growth %	-	496.92%	-52.71%	157.38%	-34.39%	-7.28%	-5.24%
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

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2023	Dec 2024
Cash & Short Term Investments+	43.86M	67.37M	46.98M	8.71M	3.28M	14.37M	35.51M
Cash & Due from Banks	43.86M	67.37M	46.98M	8.71M	3.28M	14.37M	35.51M
Short Term Investments	0	0	0	0	0	0	0
Total Investments+	0	5.37M	13.86M	14.15M	11.25M	0	0
Investments Growth %	-	-	157.88%	2.16%	-20.54%	-100%	-
Long-Term Investments	0	5.37M	13.86M	14.15M	11.25M	0	0
Accounts Receivables	0	0	0	0	4.71M	20.03M	17.18M
Goodwill & Intangibles+	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	57.17M	57.68M
Intangible Assets	0	0	0	3.55M	0	6.52M	10.24M
PP&E (Net)	261K	199K	182K	233K	203K	0	0
Other Assets	40.22M	97.31M	245.59M	550.6M	780.53M	26.54M	33.2M
Total Current Assets	64.94M	89.9M	55M	17.25M	16.64M	1.03B	1.55B
Total Non-Current Assets	40.48M	102.88M	259.63M	573.16M	796.13M	90.23M	101.12M
Total Assets+	105.43M	192.78M	314.63M	590.41M	812.78M	1.12B	1.65B
Asset Growth %	-	82.86%	63.21%	87.65%	37.66%	37.23%	48.32%
Return on Assets (ROA)	-2.79%	10.74%	5.74%	12.01%	6.33%	11.57%	7.6%
Accounts Payable	808K	697K	1.14M	2.4M	4.82M	0	0
Total Debt+	0	18.58M	718K	24.61M	202.79M	770.93M	1.19B
Net Debt	-43.86M	-48.79M	-46.26M	15.89M	199.51M	756.55M	1.16B
Long-Term Debt	0	18.58M	718K	24.61M	202.79M	770.93M	1.19B
Short-Term Debt	0	0	0	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0
Total Current Liabilities	3.66M	5.83M	8.1M	17.93M	21.11M	40.85M	77.03M
Total Non-Current Liabilities	0	18.58M	718K	24.61M	202.79M	770.93M	1.19B
Total Liabilities	3.66M	24.42M	8.81M	42.54M	223.9M	811.78M	1.27B
Total Equity+	101.3M	168.36M	305.82M	547.86M	588.87M	274.79M	382.53M
Equity Growth %	-	66.2%	81.64%	79.15%	7.49%	-53.34%	39.21%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-
Return on Equity (ROE)	-2.91%	11.88%	6.14%	12.74%	7.81%	25.82%	32.04%
Book Value per Share	22.49	27.10	25.67	31.65	27.28	4.72	6.57
Tangible BV per Share	-	-	-	-	-	-	-
Common Stock	62K	90K	144K	204K	224K	0	0
Additional Paid-in Capital	0	0	0	0	0	0	0
Retained Earnings	-9.4M	-3.84M	-8.9M	1.73M	-5.02M	276.43M	398.12M
Accumulated OCI	0	0	0	0	0	-1.64M	-15.59M
Treasury Stock	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2023	Dec 2024
Cash from Operations+	-3.04M	-5.47M	-3.57M	-6.3M	-13.63M	120.22M	168.21M
Operating CF Growth %	-	-79.93%	34.69%	-76.56%	-116.24%	981.76%	39.92%
Net Income	-2.94M	16.02M	14.56M	54.37M	44.41M	111.54M	128.89M
Depreciation & Amortization	21K	112K	534K	3.49M	6.26M	5.28M	6.86M
Deferred Taxes	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
Working Capital Changes	1.2M	-178K	997K	1.01M	-1.96M	-127K	21.22M
Cash from Investing+	-117.77M	-43.39M	-115.55M	-241.75M	-321.31M	-403.41M	-542.37M
Purchase of Investments	-58.88M	-429K	0	-1.8M	-156.11M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	362K	0	0
Net Investment Activity	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	-5.6M	0
Other Investing	0	-12.9M	12.48M	1.99M	1.01M	-396.59M	-541.43M
Cash from Financing+	106.09M	36.2M	72.66M	34.97M	-4.17M	289.86M	388.82M
Dividends Paid	-4.3M	-8.49M	-16.95M	-30.59M	-41.72M	-30.56M	-36M
Share Repurchases	0	-3.19M	-177K	-333K	-572K	0	0
Stock Issued	110.39M	53.46M	111.76M	101.63M	38.12M	0	0
Net Stock Activity	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	0	0	1000K	1000K
Other Financing	110.39M	44.69M	89.61M	65.56M	37.55M	-5.9M	-7.27M
Net Change in Cash+	43.86M	23.51M	-20.4M	-38.26M	-5.44M	5.45M	17.64M
Exchange Rate Effect	1000K	1000K	1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	1K	43.86M	67.37M	46.98M	8.71M	15.16M	20.6M
Cash at End	43.86M	67.37M	46.98M	8.71M	3.28M	20.6M	38.24M
Interest Paid	0	0	0	0	0	45.11M	58.13M
Income Taxes Paid	0	0	0	0	0	9.04M	8.67M
Free Cash Flow+	-67.94M	-50.56M	-159.11M	-281.29M	-180.21M	118.99M	162M
FCF Growth %	-	25.58%	-214.68%	-76.79%	35.93%	166.03%	36.14%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2023	2024
Return on Equity (ROE)	-2.91%	11.88%	6.14%	12.74%	7.81%	25.82%	32.04%
Return on Assets (ROA)	-2.79%	10.74%	5.74%	12.01%	6.33%	11.57%	7.6%
Net Interest Margin	0%	0%	0%	0%	-1.05%	0%	0%
Efficiency Ratio	284.85%	143.77%	80.2%	59.03%	55.88%	23.02%	20.33%
Equity / Assets	96.09%	87.33%	97.2%	92.79%	72.45%	24.64%	23.12%
Book Value / Share	22.49	27.1	25.67	31.65	27.28	4.72	6.57
NII Growth	-	-	-	-	-	100%	-
Dividend Payout	-	52.99%	116.44%	56.27%	93.96%	27.41%	34.19%

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Jefferson Capital, Inc. Common Stock (JCAP) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare JCAP vs Peers

vs FCFS

vs EZPW

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

Jefferson Capital, Inc. Common Stock (JCAP) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare JCAP vs Peers

vs FCFS

vs EZPW

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios