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Jefferson Capital, Inc. Stock Price

NasdaqGS:JCAP Community·US$1.1b Market Cap
  • 1 Narratives written by author
  • 0 Comments on narratives written by author
  • 1 Fair Values set on narratives written by author

JCAP Share Price Performance

US$19.82
2.90 (17.14%)
US$26.00
Fair Value
US$19.82
2.90 (17.14%)
23.8% undervalued intrinsic discount
US$26.00
Fair Value
Price US$19.82
AnalystConsensusTarget US$26.00

JCAP Community Narratives

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Fair Value US$26 23.8% undervalued intrinsic discount

Elevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential

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Updated Narratives

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Elevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential

Fair Value: US$26 23.8% undervalued intrinsic discount
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Snowflake Analysis

Very undervalued average dividend payer.

3 Risks
5 Rewards

Jefferson Capital, Inc. Key Details

US$625.3m

Revenue

US$155.6m

Cost of Revenue

US$469.8m

Gross Profit

US$330.8m

Other Expenses

US$138.9m

Earnings

Last Reported Earnings
Mar 31, 2026
Next Reporting Earnings
n/a
2.51
75.12%
22.22%
323.6%
View Full Analysis

About JCAP

Founded
2002
Employees
1178
CEO
David Burton
WebsiteView website
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. 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.

Recent JCAP News & Updates

Seeking Alpha Jul 23

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
New Narrative May 21

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

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