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$16.03 |
| 52 Week High | US$23.80 |
| 52 Week Low | US$15.50 |
| Beta | 0 |
| 1 Month Change | -17.07% |
| 3 Month Change | -21.27% |
| 1 Year Change | n/a |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -13.54% |
Recent News & Updates
Recent updates
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?Jefferson Capital: Strong Buy In A Growing NPL Market
Summary Jefferson Capital benefits from a rising supply of non-performing loans, supported by economic pressures and international expansion. Its proprietary data, analytics, and compliance reputation create durable competitive advantages that are hard to replicate. The firm is both growing and profitable, with a long history of operational efficiency and leadership in underpenetrated markets. Yet the stock trades below its economic book value, implying shrinking profitability, while reverse DCF shows significant upside potential. Read the full article on Seeking AlphaShareholder Returns
| JCAP | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 3.3% | 1.6% | -4.1% |
| 1Y | n/a | -0.5% | 20.6% |
Return vs Industry: Insufficient data to determine how JCAP performed against the US Consumer Finance industry.
Return vs Market: Insufficient data to determine how JCAP performed against the US Market.
Price Volatility
| JCAP volatility | |
|---|---|
| JCAP Average Weekly Movement | 4.3% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.1% |
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 (4%) 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 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.
Jefferson Capital, Inc. Fundamentals Summary
| JCAP fundamental statistics | |
|---|---|
| Market cap | US$897.22m |
| 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 | 2026/06/10 06:05 |
| End of Day Share Price | 2026/06/10 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 |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| 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 |