Jefferson Capital (JCAP) Stock Overview
Provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 1/6 |
| Past Performance | 0/6 |
| Financial Health | 3/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
JCAP Community Fair Values
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Analyst Price Targets
Jefferson Capital, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$19.82 |
| 52 Week High | US$23.80 |
| 52 Week Low | US$15.50 |
| Beta | 0 |
| 1 Month Change | 3.61% |
| 3 Month Change | -4.71% |
| 1 Year Change | 16.73% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 6.90% |
Recent News & Updates
Jefferson Capital: 4.9%-Yielding Buyer Of Charged-Off Debt
Summary Jefferson Capital is the most profitable and least leveraged public debt buyer, trading near 7x forward adjusted earnings with a 4.9% yield. Q1'26 collections hit a record $309.9M (+19% YoY), though net income fell on post-IPO taxes and stock compensation, and operating expenses rose 47% on servicing and court costs. Industry tailwinds are intact: card delinquencies remain above pre-pandemic levels and consumer credit balances sit near records. However, J.C. Flowers' remaining 53% stake, roughly 1.4x the free float, was registered for sale via a July 2 shelf, and I expect periodic secondary offerings to pressure. I rate the shares a Hold until the overhang begins to clear. Read the full article on Seeking Alpha
Elevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential
Catalysts About Jefferson Capital Jefferson Capital acquires and services consumer debt portfolios across credit card, auto finance, insolvency and other non-mortgage asset classes in the U.S., Canada, the U.K. and Latin America. What are the underlying business or industry changes driving this perspective?Recent updates
Jefferson Capital: 4.9%-Yielding Buyer Of Charged-Off Debt
Summary Jefferson Capital is the most profitable and least leveraged public debt buyer, trading near 7x forward adjusted earnings with a 4.9% yield. Q1'26 collections hit a record $309.9M (+19% YoY), though net income fell on post-IPO taxes and stock compensation, and operating expenses rose 47% on servicing and court costs. Industry tailwinds are intact: card delinquencies remain above pre-pandemic levels and consumer credit balances sit near records. However, J.C. Flowers' remaining 53% stake, roughly 1.4x the free float, was registered for sale via a July 2 shelf, and I expect periodic secondary offerings to pressure. I rate the shares a Hold until the overhang begins to clear. Read the full article on Seeking AlphaElevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential
Catalysts About Jefferson Capital Jefferson Capital acquires and services consumer debt portfolios across credit card, auto finance, insolvency and other non-mortgage asset classes in the U.S., Canada, the U.K. and Latin America. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| JCAP | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 1.4% | -5.6% | -1.1% |
| 1Y | 16.7% | -0.05% | 15.1% |
Return vs Industry: JCAP exceeded the US Consumer Finance industry which returned -0% over the past year.
Return vs Market: JCAP exceeded the US Market which returned 15.1% over the past year.
Price Volatility
| JCAP volatility | |
|---|---|
| JCAP Average Weekly Movement | 5.0% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: JCAP has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: JCAP's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2002 | 1,178 | David Burton | www.jcap.com |
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 consumer receivables at discounts to face value and manage them by working with individuals as they repay obligations and work toward financial recovery. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables.
Jefferson Capital, Inc. Fundamentals Summary
| JCAP fundamental statistics | |
|---|---|
| Market cap | US$1.10b |
| Earnings (TTM) | US$138.94m |
| Revenue (TTM) | US$625.35m |
Is JCAP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| JCAP income statement (TTM) | |
|---|---|
| Revenue | US$625.35m |
| Cost of Revenue | US$155.59m |
| Gross Profit | US$469.76m |
| Other Expenses | US$330.82m |
| Earnings | US$138.94m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.51 |
| Gross Margin | 75.12% |
| Net Profit Margin | 22.22% |
| Debt/Equity Ratio | 323.6% |
How did JCAP perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/26 02:27 |
| End of Day Share Price | 2026/07/24 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Jefferson Capital, Inc. is covered by 5 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Scharf | Citizens JMP Securities, LLC |
| John Hecht | Jefferies LLC |
| Bose George | Keefe, Bruyette, & Woods |