Jefferson Capital, Inc. Common Stock (JCAP) Earnings History
Annual and quarterly earnings data from 2015 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 71.2% | 50.8% | 24.3% |
| 2023 | 73.8% | 50.8% | 34.5% |
| 2019 | 91.1% | 35.3% | 98.5% |
| 2018 | 94.5% | 35.5% | 174.2% |
| 2017 | 97.8% | 17.6% | 119.4% |
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Jefferson Capital, Inc. Common Stock (JCAP) Earnings Overview
As of March 2, 2026, Jefferson Capital, Inc. Common Stock (JCAP) reported trailing twelve-month net income of $140M, reflecting -0.1% year-over-year growth. The company earned $6.84 per diluted share over the past four quarters, with a net profit margin of 0.2%.
Looking at the long-term picture, JCAP's 5-year EPS compound annual growth rate (CAGR) stands at -6.8%, signaling declining earnings. The company achieved its highest annual net income of $112M in fiscal 2023.
Jefferson Capital, Inc. Common Stock maintains positive profitability with a gross margin of 0.7%, operating margin of 0.5%, and net margin of 0.2%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including FCFS ($310M net income, 0.1% margin), EZPW ($123M net income, 0.1% margin), PRAA (-$343M net income, 0.1% margin), JCAP has outperformed on profitability metrics. Compare JCAP vs FCFS →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $105M | -5.6% | $220M | $1.81 | 24.3% | 50.8% |
| 2023 | $112M | +151.1% | $164M | $1.91 | 34.5% | 50.8% |
| 2019 | $44M | -18.3% | $16M | $2.06 | 98.5% | 35.3% |
| 2018 | $54M | +273.4% | $11M | $3.14 | 174.2% | 35.5% |
| 2017 | $15M | -9.1% | $2M | $1.22 | 119.4% | 17.6% |
| 2016 | $16M | +644.2% | -$3M | $2.58 | 245.2% | -43.8% |
| 2015 | -$3M | - | -$3M | $-0.65 | -168.8% | -184.9% |
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Start ComparisonFrequently Asked Questions
Is JCAP growing earnings?
JCAP EPS of $6.84 reflects slowing growth at -0.1%, below the 5-year CAGR of -6.8%. TTM net income is $140M. Expansion rate has moderated.
What are JCAP's profit margins?
Jefferson Capital, Inc. Common Stock net margin is +0.2%, with operating margin at +0.5%. Below-average margins reflect competitive or cost pressures.
How consistent are JCAP's earnings?
JCAP earnings data spans 2015-2024. The current earnings trend is -0.1% YoY. Historical data enables comparison across business cycles.