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JCAPJefferson Capital, Inc. Common Stock
$20.25$1.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
JCAP logo

Jefferson Capital, Inc. Common Stock

JCAP
NASDAQ · Credit Services
$20.25
At close - Sep 21, 4:00 PM EDT - USD
Market Cap$1.25B
P/E3.2x
52W High$24.44
Volume180.24K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee-Driven Revenue Model Obscures Provision Volatility Risk

Jefferson Capital's investment thesis centers on its highly efficient, fee-based revenue model, which generated an exceptional 30.65% net margin in Q2 2026, significantly outperforming peers. However, this profitability is heavily masked by extreme volatility ...

GrowthAccelerating
ProfitabilityStrong
ValuationReview
TechnicalsWeak
Explore valuation models
MARKET ACTION

JCAP price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

3/12 Beats

EPS beat 3 of last 12 quarters

02

Valuation risk

-79% Peers

P/E is 79% below peer median

03

Market leadership

RS 59 · Avg

Average momentum (RS Rating: 59)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 12

Market performance

Price History →

Trailing total returns as of 9/22/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
JCAP-5.16%
S&P 500 (^GSPC)+13.22%
1-Year Return
JCAP+17.90%
S&P 500 (^GSPC)+15.99%
3-Year Return
JCAP+15.70%
S&P 500 (^GSPC)+77.23%
5-Year Return
JCAP+15.70%
S&P 500 (^GSPC)+76.19%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
3.2x
Forward P/E
6.8x
EV/EBITDA100th %ile
9.1x
FCF YieldCash Flow
21.5%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
3.2x
3.6x
0th· Low
EV/EBITDA
9.1x
7.3x
100th· High
Price/FCF
4.7x
2.5x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$35.73+76.4%
Base (Fair)$38.50+87.4%
Bull$48.65+140.2%
$35.73 Bear$38.50 Base$48.65 Bull
Current Market Price: $20.25
Trades at a 47.4% discount to Base DCF ($38.50)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$508M+17.1% YoY
Net income
$188M+78.5% YoY
Free cash flow
$268M+65.3% YoY
Operating margin
62.4%+11.5 pts YoY
ROIC (TTM)12.6%
Avg ROIC 5Y-
ROE (TTM)43.8%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate3/12 (38%)
Revenue Beat Rate7/12 (88%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 13, 2026
$0.67-1.9%
vs $0.68
$178M+4.6%
vs $170M
Q3 2026
Jun 11, 2026
$0.68-15.0%
vs $0.80
$176M+4.2%
vs $169M
Q2 2026
May 14, 2026
$0.61-13.1%
vs $0.70
$176M+4.2%
vs $169M
Q2 2026
Mar 12, 2026
$0.65-8.5%
vs $0.71
$155M+0.7%
vs $154M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Aug 18, 2026
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 8.250% senior notes due 2030 (the “Add-On Notes”) by Jefferson Capital Holdings, LLC (the “Issuer”), its indirect wholly-owned subsidiary. The Add-On Notes will initially be fully and unconditionally guaranteed on a senior unsecured basis by certain of the Issuer's wholly-owned domestic restricted subsidiaries. The Add-On Notes are being offered as additional notes under the Indenture, dated as of May 2, 2025, pursuant to which the Issuer previously issued $500 million in aggregate principal amount of 8.250% senior notes due 2030 (the “Existing Notes” and, together with the Add-On Notes, the “Notes”).

GlobeNewsWire·Aug 18, 2026
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 senior notes due 2030 (the “Add-On Notes”) by Jefferson Capital Holdings, LLC (the “Issuer”), its indirect wholly-owned subsidiary. The Add-On Notes will be initially fully and unconditionally guaranteed on a senior unsecured basis by certain of the Issuer's wholly-owned domestic restricted subsidiaries. The Add-On Notes are being offered as additional notes under the Indenture, dated as of May 2, 2025, pursuant to which the Issuer previously issued $500 million in aggregate principal amount of 8.250% senior notes due 2030 (the “Existing Notes” and, together with the Add-On Notes, the “Notes”).

Defense World·Aug 17, 2026
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 have rated the stock with a hold rating, four have given a buy rating and one has assigned a strong buy rating

Defense World·Aug 15, 2026
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. The fund owned 45,553 shares of the real estate investment trust's stock after purchasing an additional 23,135

Filtered for Jefferson Capital, Inc. Common StockMore Headlines
04

Compare before deciding

Benchmark JCAP against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Jefferson Capital, Inc. Common Stock (JCAP)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
JCAP logoJCAPJefferson Capital, Inc. Common StockCurrent
$20.25$1.25B3.2317.13%37.04%43.78%10.44%
PRAA logoPRAAPRA Group, Inc.
$20.60$785.7M-2.64-4.51%-23.24%-25.21%—
ECPG logoECPGEncore Capital Group, Inc.
$99.37$2.13B9.1138.64%15.88%29.83%—
FCFS logoFCFSFirstCash Holdings, Inc
$216.12$9.37B29.137.81%9.42%17.07%—
OMF logoOMFOneMain Holdings, Inc.
$60.44$6.98B9.219.54%12.17%23.07%—
CACC logoCACCCredit Acceptance Corporation
$564.27$5.9B15.03-13.12%21.6%32.35%—

Compare JCAP vs Peers

Jefferson Capital, Inc. Common Stock (JCAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRAA

Most directly comparable listed peer for JCAP.

Scale Benchmark

vs FICO

Larger-name benchmark to compare JCAP against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRAA, ECPG, FCFS, OMF

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

JCAP SEC Filings & Documents

Jefferson Capital, Inc. Common Stock (JCAP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 21, 2026·SEC

Material company update

Aug 18, 2026·SEC

Material company update

Aug 13, 2026·SEC

10-K Annual Reports

1
FY 2026

Mar 13, 2026·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 13, 2026·SEC

FY 2026

May 14, 2026·SEC

FY 2025

Nov 14, 2025·SEC

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JCAP Frequently Asked Questions

Jefferson Capital, Inc. Common Stock (JCAP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Jefferson Capital, Inc. Common Stock growing?

Jefferson Capital, Inc. Common Stock (JCAP) grew revenue by 17.1% over the past year. This is strong growth.

Is JCAP profitable?

Yes, Jefferson Capital, Inc. Common Stock (JCAP) is profitable, generating $155.0M in net income for fiscal year 2025 (37.0% net margin).

Dividend & Returns
Does JCAP pay dividends?

Yes, Jefferson Capital, Inc. Common Stock (JCAP) pays a dividend with a yield of 10.44%. This makes it attractive for income-focused investors.

What is JCAP's return on equity?

Jefferson Capital, Inc. Common Stock (JCAP) has a return on equity (ROE) of 43.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Jefferson Capital, Inc. Common Stock's net interest margin?

Jefferson Capital, Inc. Common Stock (JCAP) has a net interest margin (NIM) of 22.1%. This indicates healthy earnings from lending activities.

What is Jefferson Capital, Inc. Common Stock's efficiency ratio?

Jefferson Capital, Inc. Common Stock (JCAP) has an efficiency ratio of 19.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in JCAP back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

See returns →