Symbols / JCAP Stock $20.44 -0.87% Jefferson Capital, Inc.

Financial Services • Credit Services • United States • NMS
JCAP (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. David M. Burton
Exch · Country NMS · United States
Market Cap 1.26B
Enterprise Value 2.52B
Income 169.38M
Sales 607.29M
FCF (ttm) -220.65M
Book/sh 8.17
Cash/sh 0.42
Employees 1,120
Insider 10d —
IPO Jun 26, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 8.51%
P/E 3.62
Forward P/E 7.09
PEG —
P/S 2.08
P/B 2.50
P/C —
EV/EBITDA 6.50
EV/Sales 4.15
Quick Ratio 4.98
Current Ratio 5.05
Debt/Eq 296.81
LT Debt/Eq —
EPS (ttm) 5.64
EPS next Y 2.88
EPS Growth —
Revenue Growth 27.70%
EPS Gr Q/Q 40.00%
Rev Gr Q/Q —
Earnings (next) 2026-05-07
Earnings (prior) 2026-03-12
ROA 12.78%
ROE 43.78%
ROIC —
Gross Margin 78.13%
Oper. Margin 105.75%
Profit Margin 30.95%
Shs Outstand 61.71M
Shs Float 18.84M
Insider Own 8.45%
Instit Own 72.55%
Short Float 3.46%
Short Ratio 2.08
Short Interest 825.38K
52W High 23.80
vs 52W High -14.12%
52W Low 15.98
vs 52W Low 27.91%
Beta —
Impl. Vol. —
Rel Volume 0.55
Avg Volume 321.87K
Volume 178.26K
Target (mean) $26.20
Tgt Median $26.00
Tgt Low $22.00
Tgt High $29.00
# Analysts 5
Recom Buy
Prev Close $20.62
Price $20.44
Change -0.87%
About

Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It 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. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It 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 Minneapolis, Minnesota.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$26.20
Mean price target
2. Current target
$20.44
Latest analyst target
3. DCF / Fair value
$-64.36
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$20.44
Low
$22.00
High
$29.00
Mean
$26.20

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-12-24 reit Keefe, Bruyette & Woods Outperform → Outperform $28
2025-11-17 main Keefe, Bruyette & Woods Outperform → Outperform $28
2025-11-14 main Citizens Market Outperform → Market Outperform $26
2025-07-21 init Raymond James — → Outperform $19
2025-07-21 init JMP Securities — → Market Outperform $23
2025-07-21 init Truist Securities — → Buy $24
2025-07-21 init Keefe, Bruyette & Woods — → Outperform $22
2025-07-21 init Jefferies — → Buy $29
News
RSS: Latest JCAP news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-01-09 BURTON DAVID Chief Executive Officer — 385,000 $20.50 $7,892,500
2026-01-09 JCF IV JCAP HOLDING L.P. Beneficial Owner of more than 10% of a Class of Security — 11,000,000 $19.63 $215,916,800
2025-06-27 BURTON DAVID Chief Executive Officer — 424,296 $19.00 $8,061,624
2025-06-27 J.C. FLOWERS IV L.P Beneficial Owner of more than 10% of a Class of Security — 8,708,911 $19.00 $165,469,309
2025-06-25 BURTON DAVID Chief Executive Officer — 4,201,796 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Revenue
613.29
+41.53%
433.34
+34.13%
323.07
Operating Revenue
613.29
+41.53%
433.34
+34.13%
323.07
Cost Of Revenue
164.15
+35.55%
121.10
-33.98%
183.42
Reconciled Cost Of Revenue
164.15
+35.55%
121.10
-33.98%
183.42
Gross Profit
449.14
+43.84%
312.24
+123.59%
139.65
Operating Expense
232.21
+40.76%
164.97
+693.22%
20.80
Selling General And Administration
147.40
+40.82%
104.67
+602.38%
14.90
Selling And Marketing Expense
—
8.80
+9.06%
8.07
General And Administrative Expense
147.40
+40.82%
104.67
+602.38%
14.90
Other Gand A
147.40
+40.82%
104.67
+602.38%
14.90
Other Operating Expenses
77.20
+42.44%
54.20
+37.56%
39.40
Total Expenses
396.35
+38.55%
286.07
+40.08%
204.22
Operating Income
216.94
+47.30%
147.27
+23.91%
118.85
Total Operating Income As Reported
316.50
+43.69%
220.27
+34.27%
164.05
EBITDA
222.19
+48.25%
149.88
+23.64%
121.23
Normalized EBITDA
214.46
+38.05%
155.35
+33.25%
116.58
Reconciled Depreciation
5.25
+101.46%
2.61
+9.95%
2.37
EBIT
216.94
+47.30%
147.27
+23.91%
118.85
Total Unusual Items
7.72
+241.12%
-5.47
-217.95%
4.64
Total Unusual Items Excluding Goodwill
7.72
+241.12%
-5.47
-217.95%
4.64
Special Income Charges
—
-7.70
0.00
Net Income
187.97
+45.83%
128.89
+15.58%
111.52
Pretax Income
218.44
+58.80%
137.55
+14.07%
120.58
Net Non Operating Interest Income Expense
-6.22
-46.32%
-4.25
-46.10%
-2.91
Net Interest Income
-6.22
-46.32%
-4.25
-46.10%
-2.91
Other Income Expense
7.72
+241.12%
-5.47
-217.95%
4.64
Gain On Sale Of Security
7.72
+241.12%
-5.47
-217.95%
4.64
Gain On Sale Of Business
—
-7.70
0.00
Tax Provision
30.47
+251.74%
8.66
-4.22%
9.04
Tax Rate For Calcs
0.00
+120.63%
0.00
-16.01%
0.00
Tax Effect Of Unusual Items
1.07
+411.36%
-0.34
-199.06%
0.35
Net Income Including Noncontrolling Interests
187.97
+45.83%
128.89
+15.56%
111.54
Net Income From Continuing Operation Net Minority Interest
187.97
+45.83%
128.89
+15.58%
111.52
Net Income From Continuing And Discontinued Operation
187.97
+45.83%
128.89
+15.58%
111.52
Net Income Continuous Operations
187.97
+45.83%
128.89
+15.56%
111.54
Minority Interests
0.00
0.00
+100.00%
-0.02
Normalized Income
181.31
+35.29%
134.02
+24.99%
107.23
Net Income Common Stockholders
187.97
+45.83%
128.89
+15.58%
111.52
Diluted EPS
—
2.21
+15.58%
1.91
Basic EPS
—
2.21
+15.58%
1.91
Basic Average Shares
—
58.27
+0.00%
58.27
Diluted Average Shares
—
58.27
+0.00%
58.27
Diluted NI Availto Com Stockholders
187.97
+45.83%
128.89
+15.58%
111.52
Depreciation Amortization Depletion Income Statement
5.25
+101.46%
2.61
+9.95%
2.37
Depreciation And Amortization In Income Statement
5.25
+101.46%
2.61
+9.95%
2.37
Provision For Doubtful Accounts
2.36
-32.51%
3.50
-0.77%
3.52
Total Other Finance Cost
6.22
+46.32%
4.25
+46.10%
2.91
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
2,087.37
+26.18%
1,654.28
+48.32%
1,115.37
Current Assets
2,004.85
+27.72%
1,569.70
+53.12%
1,025.13
Cash Cash Equivalents And Short Term Investments
23.23
-34.57%
35.51
+147.07%
14.37
Cash And Cash Equivalents
23.23
-34.57%
35.51
+147.07%
14.37
Receivables
1,957.30
+27.81%
1,531.46
+52.45%
1,004.53
Accounts Receivable
28.56
-15.28%
33.71
+68.25%
20.03
Gross Accounts Receivable
30.34
-14.81%
35.62
—
Allowance For Doubtful Accounts Receivable
-1.78
+6.45%
-1.91
—
Other Receivables
1,928.74
+28.78%
1,497.75
+52.13%
984.50
Loans Receivable
—
1,514.92
+50.81%
1,004.53
Restricted Cash
24.32
+788.56%
2.74
-56.09%
6.23
Total Non Current Assets
82.52
-2.44%
84.58
-6.26%
90.23
Net PPE
1.70
-25.46%
2.27
—
Goodwill And Other Intangible Assets
64.56
-4.95%
67.92
+6.64%
63.69
Goodwill
58.01
+0.57%
57.68
+0.90%
57.17
Other Intangible Assets
6.54
-36.10%
10.24
+57.03%
6.52
Other Non Current Assets
16.27
+13.09%
14.39
-45.79%
26.54
Total Liabilities Net Minority Interest
1,611.24
+26.69%
1,271.75
+56.66%
811.78
Current Liabilities
327.65
-43.33%
578.12
+1315.19%
40.85
Payables And Accrued Expenses
96.06
+37.28%
69.97
+71.29%
40.85
Payables
96.06
+37.28%
69.97
+71.29%
40.85
Accounts Payable
95.21
+36.06%
69.97
+71.29%
40.85
Total Tax Payable
0.85
0.00
—
Current Debt And Capital Lease Obligation
231.58
-54.43%
508.15
—
Current Debt
231.58
-54.43%
508.15
—
Total Non Current Liabilities Net Minority Interest
1,283.59
+85.05%
693.63
-10.03%
770.93
Long Term Debt And Capital Lease Obligation
1,177.46
+71.50%
686.58
-10.94%
770.93
Long Term Debt
1,177.46
+71.50%
686.58
-10.94%
770.93
Non Current Deferred Liabilities
101.96
+4549.20%
2.19
—
Non Current Deferred Taxes Liabilities
101.96
+4549.20%
2.19
—
Other Non Current Liabilities
4.18
-14.03%
4.86
+485900.00%
0.00
Stockholders Equity
476.13
+24.47%
382.53
+39.21%
274.79
Common Stock Equity
476.13
+24.47%
382.53
+39.21%
274.79
Capital Stock
0.01
0.00
—
Common Stock
0.01
0.00
—
Share Issued
58.30
+0.06%
58.27
+0.00%
58.27
Ordinary Shares Number
58.30
+0.06%
58.27
+0.00%
58.27
Additional Paid In Capital
-49.55
0.00
—
Retained Earnings
522.63
+31.27%
398.12
+44.02%
276.43
Gains Losses Not Affecting Retained Earnings
3.05
+119.53%
-15.59
-849.63%
-1.64
Other Equity Adjustments
3.05
+119.53%
-15.59
-849.63%
-1.64
Total Equity Gross Minority Interest
476.13
+24.47%
382.53
+26.00%
303.59
Total Capitalization
1,653.59
+54.67%
1,069.11
-0.50%
1,074.52
Working Capital
1,677.20
+69.14%
991.58
+0.74%
984.28
Invested Capital
1,885.17
+19.52%
1,577.26
+50.83%
1,045.72
Total Debt
1,409.04
+17.94%
1,194.73
+54.97%
770.93
Net Debt
1,385.81
+19.55%
1,159.22
+53.22%
756.55
Net Tangible Assets
411.58
+30.82%
314.61
+49.03%
211.10
Tangible Book Value
411.58
+30.82%
314.61
+49.03%
211.10
Limited Partnership Capital
—
0.00
-100.00%
28.80
Line Of Credit
231.58
-54.43%
508.15
—
Other Equity Interest
—
—
-0.00
Total Partnership Capital
—
0.00
-100.00%
28.80
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Operating Cash Flow
268.81
+59.81%
168.21
+39.92%
120.22
Cash Flow From Continuing Operating Activities
268.81
+59.81%
168.21
+39.92%
120.22
Net Income From Continuing Operations
187.97
+45.83%
128.89
+15.56%
111.54
Depreciation Amortization Depletion
5.25
+101.46%
2.61
+9.95%
2.37
Depreciation
—
1.32
-9.00%
1.46
Amortization Cash Flow
—
5.54
+44.66%
3.83
Depreciation And Amortization
5.25
+101.46%
2.61
+9.95%
2.37
Amortization Of Intangibles
—
5.54
+44.66%
3.83
Other Non Cash Items
6.22
+46.32%
4.25
+46.10%
2.91
Stock Based Compensation
17.22
0.00
0.00
Provisionand Write Offof Assets
2.36
-32.51%
3.50
-0.77%
3.52
Deferred Tax
21.46
+4173.06%
-0.53
+30.11%
-0.75
Deferred Income Tax
21.46
+4173.06%
-0.53
+30.11%
-0.75
Operating Gains Losses
—
7.74
—
Change In Working Capital
28.32
-3.95%
29.49
+4602.87%
0.63
Change In Receivables
4.59
+162.71%
-7.33
-141.02%
17.86
Changes In Account Receivables
4.59
+162.71%
-7.33
-141.02%
17.86
Change In Prepaid Assets
—
-7.76
+7.26%
-8.37
Change In Payables And Accrued Expense
25.48
-31.59%
37.25
+314.05%
9.00
Change In Other Current Assets
-1.75
-303.22%
-0.43
+98.34%
-26.23
Investing Cash Flow
-401.94
+25.89%
-542.37
-34.44%
-403.41
Cash Flow From Continuing Investing Activities
-401.94
+25.89%
-542.37
-34.44%
-403.41
Net PPE Purchase And Sale
-1.08
+82.53%
-6.21
-406.19%
-1.23
Purchase Of PPE
-1.08
+82.53%
-6.21
-406.19%
-1.23
Capital Expenditure
-1.08
+82.53%
-6.21
-406.19%
-1.23
Net Business Purchase And Sale
0.00
0.00
+100.00%
-5.60
Purchase Of Business
0.00
0.00
+100.00%
-5.60
Gain Loss On Sale Of Business
—
7.74
0.00
Net Intangibles Purchase And Sale
—
-5.27
0.00
Purchase Of Intangibles
—
-5.27
0.00
Net Other Investing Changes
-400.86
+25.23%
-536.15
-35.19%
-396.59
Financing Cash Flow
149.70
-61.50%
388.82
+34.14%
289.86
Cash Flow From Continuing Financing Activities
149.70
-61.50%
388.82
+34.14%
289.86
Net Issuance Payments Of Debt
218.50
-49.43%
432.09
+32.41%
326.32
Issuance Of Debt
1,187.80
+9.73%
1,082.48
+65.33%
654.73
Repayment Of Debt
-969.29
-49.03%
-650.40
-98.04%
-328.41
Long Term Debt Issuance
1,187.80
+9.73%
1,082.48
+65.33%
654.73
Long Term Debt Payments
-969.29
-49.03%
-650.40
-98.04%
-328.41
Net Long Term Debt Issuance
218.50
-49.43%
432.09
+32.41%
326.32
Net Common Stock Issuance
10.00
0.00
0.00
Common Stock Dividend Paid
-63.45
-76.26%
-36.00
-17.79%
-30.56
Cash Dividends Paid
-63.45
-76.26%
-36.00
-17.79%
-30.56
Net Other Financing Charges
-15.35
-111.23%
-7.27
-23.19%
-5.90
Changes In Cash
16.57
+12.99%
14.66
+119.95%
6.67
Effect Of Exchange Rate Changes
-7.26
-344.07%
2.98
+343.85%
-1.22
Beginning Cash Position
38.24
+85.61%
20.60
+35.94%
15.16
End Cash Position
47.55
+24.34%
38.24
+85.61%
20.60
Free Cash Flow
267.73
+65.27%
162.00
+36.14%
118.99
Interest Paid Supplemental Data
95.52
+64.34%
58.12
+28.85%
45.11
Income Tax Paid Supplemental Data
8.43
-2.73%
8.67
-4.13%
9.04
Common Stock Issuance
10.00
0.00
0.00
Issuance Of Capital Stock
10.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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