Jefferson Capital, Inc.
JCAP
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Jefferson Capital, Inc. operates in the credit services industry, which is poised for growth as consumer demand for credit continues to rise, supported by a recovering economy.
- In the most recent quarter, JCAP reported a revenue increase of 1% compared to the prior quarter, reaching $178 million.
- The operating margin expanded to 41.9%, indicating improved efficiency in managing operational costs.
- Despite the positive revenue trend, JCAP's earnings growth has declined significantly, showing a decrease of 96% year-over-year.
- The company has a high debt-to-equity ratio of 296.01, which may pose risks in a rising interest rate environment.
- Free cash flow is negative at -$127.6 million, raising concerns about the company's liquidity and ability to fund operations.
Fundamentals
| Market cap | $1.15B | Enterprise value | $2.53B | Trailing P/E | 21.92 | Forward P/E | 6.49 |
| PEG | — | Price / book | 2.41 | Beta | — | Dividend yield | 4.81% |
| Revenue growth | 11.5% | Earnings growth | -96.0% | Gross margin | 75.2% | Operating margin | 61.2% |
| Profit margin | 24.1% | ROE | 35.0% | ROA | 12.5% | Debt / equity | 2.96 |
| Current ratio | 5.36 | Free cash flow | -$127.63M | Analyst recommendation | none | Mean target | $28.20 |
| 52w high | $24.44 | 52w low | $15.50 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $178M | $176M | $155M | $151M | $153M | — |
| Op margin | 41.9% | 38.8% | 39.9% | 39.8% | 48.9% | — |
| Net income | $41.3M | $37.6M | $37.7M | $38.4M | $47.7M | — |
| Gross margin | 63.1% | 64.5% | 60.9% | 59.5% | 71.6% | — |
| Gross profit | $112M | $114M | $94.2M | $89.8M | $109M | — |
| Operating income | $74.4M | $68.5M | $61.8M | $60.0M | $74.6M | — |
- Revenue +1% vs prior quarter ($178M vs $176M).
- Gross margin 63.1% (was 64.5% prior quarter).
- Operating margin expanded to 41.9%.
Yearly (6y)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Revenue | $613M | $433M | $323M |
| Op margin | 44.2% | 41.4% | 36.8% |
| Net income | $188M | $129M | $112M |
| Gross margin | 64.9% | 63.3% | 74.7% |
| Gross profit | $398M | $274M | $241M |
| Operating income | $271M | $179M | $119M |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-09-29 · 3 U.S. Credit Restructuring Stocks Investors Are Watching As Consumer Stress Builds
2026-09-16 · Jefferson Capital (JCAP) Grows Everywhere, But Costs Are Climbing Faster
2026-08-20 · Jefferson Capital (JCAP) Q2 2026 Earnings Call Transcript
2026-08-18 · Jefferson Capital Announces Pricing of $100 Million of Senior Notes due 2030
2026-08-18 · Jefferson Capital's Unit Launches $100 Million Senior Notes Offering
2026-08-18 · Jefferson Capital Announces Proposed Private Offering of Senior Notes
2026-08-16 · Jefferson Capital (JCAP) Shares Just Moved, So What Is Going On?
2026-08-14 · Jefferson Capital, Inc. Common Stock Q2 2026 Earnings Call Summary
2026-08-14 · Truist Securities Adjusts Price Target on Jefferson Capital to $30 From $26, Keeps Buy Rating
2026-08-14 · Jefferson Capital Inc (JCAP) (Q2 2026) Earnings Call Highlights: Record Deployments and ...
2026-08-14 · Jernigan Capital Q2 Earnings Call Highlights
2026-08-13 · Jefferson Capital, Inc. (JCAP) Surpasses Q2 Earnings and Revenue Estimates
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