JCAP

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Jefferson Capital, Inc.

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Key Metrics

Previous Close: $23.41
52-Week Range: $15.50 – $24.44
Market Cap: $1.28B
P/E (TTM): —
EPS (TTM): -76.20
Dividend Yield: 4.10%

Advanced Metrics

Price/Book: 2.69
PEG Ratio: —
Return on Equity: 34.95%
Return on Assets: 12.52%
Gross Margin: 75.16%
Operating Margin: 61.20%
Profit Margin: 24.12%
Current Ratio: 5.36
Debt/Equity: 2.96
Total Debt: $1.41B
Free Cash Flow: $-127.63M
Revenue Growth: 11.50%
Earnings Growth: -96.00%
Enterprise Value: $2.67B

JCAP Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Revenue	$323.07M	$433.34M	$613.29M
Cost of Revenue	$183.42M	$121.10M	$164.15M
Gross Profit	$139.65M	$312.24M	$449.14M
Selling, General & Admin	$14.90M	$104.67M	$147.40M
Operating Expenses	$20.80M	$164.97M	$232.21M
Operating Income	$118.85M	$147.27M	$216.94M
EBITDA	$121.23M	$149.88M	$222.19M
Pretax Income	$120.58M	$137.55M	$218.44M
Income Tax	$9.04M	$8.66M	$30.47M
Net Income	$111.52M	$128.89M	$187.97M
Diluted EPS	1.91	2.21	5.64
Diluted Shares	58.27M	58.27M	30.02M

JCAP Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Cash & Equivalents	$14.37M	$35.51M	$23.23M
Receivables	$1.00B	$1.53B	$1.96B
Current Assets	$1.03B	$1.57B	$2.00B
Total Assets	$1.12B	$1.65B	$2.09B
Current Liabilities	$40.85M	$578.12M	$327.65M
Long-Term Debt	$770.93M	$686.58M	$1.18B
Total Debt	$770.93M	$1.19B	$1.41B
Total Liabilities	$811.78M	$1.27B	$1.61B
Retained Earnings	$276.43M	$398.12M	$522.63M
Shareholders' Equity	$274.79M	$382.53M	$476.13M
Working Capital	$984.28M	$991.58M	$1.68B
Net Debt	$756.55M	$1.16B	$1.39B

JCAP Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025
Operating Cash Flow	$120.22M	$168.21M	$268.81M
Capital Expenditure	-$1.23M	-$6.21M	-$1.08M
Free Cash Flow	$118.99M	$162.00M	$267.73M
Depreciation & Amortisation	$2.37M	$2.61M	$5.25M
Stock-Based Compensation	$0.00	$0.00	$17.22M
Investing Cash Flow	-$403.41M	-$542.37M	-$401.94M
Financing Cash Flow	$289.86M	$388.82M	$149.70M
Dividends Paid	-$30.56M	-$36.00M	-$63.45M
Net Change in Cash	$6.67M	$14.66M	$16.57M

JCAP Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$154.94M	$152.71M	$150.84M	$154.80M	$176.44M
Cost of Revenue	$37.72M	$32.08M	$48.26M	$47.39M	$51.31M
Gross Profit	$117.22M	$120.63M	$102.58M	$107.41M	$125.13M
Selling, General & Admin	$31.31M	$39.36M	$36.36M	$40.06M	$42.41M
Operating Expenses	$51.66M	$59.77M	$57.48M	$63.30M	$73.90M
Operating Income	$65.56M	$60.86M	$45.10M	$44.12M	$51.23M
EBITDA	$67.17M	$62.11M	$46.45M	$45.16M	$52.10M
Pretax Income	$66.91M	$61.91M	$45.51M	$44.12M	$51.06M
Income Tax	$2.68M	$14.26M	$7.15M	$6.38M	$13.42M
Net Income	$64.23M	$47.65M	$38.36M	$37.73M	$37.63M
Diluted EPS	1.10	16.76	0.59	0.58	0.61
Diluted Shares	58.27M	2.84M	58.28M	58.27M	55.59M

JCAP Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$27.00M	$51.65M	$42.27M	$23.23M	$26.25M
Receivables	$1.58B	$1.63B	$1.67B	$1.96B	$1.96B
Current Assets	$1.61B	$1.69B	$1.72B	$2.00B	$2.00B
Total Assets	$1.71B	$1.77B	$1.80B	$2.09B	$2.08B
Current Liabilities	$58.70M	$76.42M	$79.52M	$327.65M	$345.06M
Long-Term Debt	$1.21B	$1.18B	$1.18B	$1.18B	$1.18B
Total Debt	$1.21B	$1.19B	$1.19B	$1.41B	$1.44B
Total Liabilities	$1.34B	$1.36B	$1.37B	$1.61B	$1.64B
Retained Earnings	$336.60M	$477.58M	$500.41M	$522.63M	$486.55M
Shareholders' Equity	$373.50M	$410.81M	$437.37M	$476.13M	$442.88M
Working Capital	$1.55B	$1.61B	$1.64B	$1.68B	$1.66B
Net Debt	$1.18B	$1.13B	$1.14B	$1.39B	$1.41B

JCAP Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$51.68M	$78.89M	$63.08M	$75.17M	$39.64M
Capital Expenditure	-$143.00K	-$396.00K	-$106.00K	-$440.00K	—
Free Cash Flow	$51.54M	$78.49M	$62.97M	$74.73M	$39.64M
Depreciation & Amortisation	$1.61M	$1.25M	$1.35M	$1.05M	$872.00K
Stock-Based Compensation	$350.00K	—	—	$8.37M	$8.53M
Investing Cash Flow	-$56.23M	-$10.70M	-$54.55M	-$280.45M	-$4.02M
Financing Cash Flow	-$463.00K	-$42.65M	-$15.93M	$208.74M	-$36.01M
Dividends Paid	-$16.00M	-$16.42M	-$15.52M	-$15.51M	$0.00
Share Repurchases	$0.00	—	—	—	-$58.91M
Net Change in Cash	-$5.02M	$25.54M	-$7.40M	$3.45M	-$391.00K

Market Snapshot

About

Jefferson Capital, Inc. is a financial services company specializing in debt purchasing and collection services. The company acquires portfolios of charged-off consumer receivables and employs various recovery strategies to collect on these accounts. Jefferson Capital focuses on compliance-oriented collection practices and utilizes data analytics to optimize recovery rates. The company operates in a highly regulated industry and competes with other debt buyers and collection agencies across the United States.