JCAP Jefferson Capital, Inc. - Common Stock

NASDAQ · Financial Services · View on SEC EDGAR ↗
$23.50
Price · Aug 18, 2026
Fundamentals as of Aug 13, 2026
52W Range
$16–$24
89% of range
Analyst Rating
BUY
13 analysts
Price Target
$28
+18% upside
P/E (TTM)
4.0
ROE
42.4%
Net Profit Margin
30.6%

JCAP Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$23.50
Market Cap
$1.30B
P/E (TTM)
4.0
EPS (TTM)
$5.64
Revenue (TTM)
$613M
Div Yield
4.9%
ROE
42.4%
Debt/Equity
—
52W Range
$16 – $24

JCAP Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $613M
3-point trend, +89.8%
2023-12-31 → 2025-12-31
EPS $5.64
2025-12-31 → 2025-12-31
Free Cash Flow —
Margins 30.6%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
JCAP
Peer Median
P/E (TTM)
4.0
11.0
P/S (TTM)
2.1
1.2
P/B
2.7
1.4

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
JCAP
Peer Median
Operating Margin
51.6%
—
Net Profit Margin
30.6%
9.3%
ROA
10.1%
4.6%
ROE
42.4%
17.1%
ROIC
57.2%
—

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
JCAP
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
JCAP
Peer Median
Revenue YoY
3-point trend, +89.8%
41.5%
—
Net Income YoY
3-point trend, +68.5%
45.8%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
JCAP
Peer Median
EPS (Diluted)
$5.64
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
JCAP
Peer Median
Payout Ratio
33.8%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
4.9%
Payout Ratio
33.8%
5Y Div CAGR
—
Ex-dateAmount
May 26, 2026$0.2400
March 24, 2026$0.2400
Nov. 25, 2025$0.2400
Aug. 25, 2025$0.2400

JCAP Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 13 analysts
  • Strong Buy 4 30.8%
  • Buy 8 61.5%
  • Hold 1 7.7%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

5 analysts · 2026-08-17
Median target $28.00 +19.1%
Mean target $27.80 +18.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.05%
Period EPS Actual EPS Est Surprise
June 30, 2026 $0.67 $0.71 -0.04%
March 31, 2026 $0.73 $0.70 0.03%
Dec. 31, 2025 $0.69 $0.68 0.01%
Sept. 30, 2025 $0.74 $0.63 0.11%
June 30, 2025 $1.02 $0.89 0.13%

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
JCAP $1.30B 4.0 41.5% 30.6% 42.4% —
HAPN — — — — — —
ECPG $1.18B 5.0 34.4% 14.5% 27.4% —
EZPW $1.16B 13.4 9.7% 8.6% 11.7% 58.6%
PRG $2.42B 8.2 0.42% 6.1% 20.8% —
ATLC — — — — — —
NAVI — — — — — —
WRLD — 19.6 3.7% — — —
GDOT — — 20.7% — — —
PRAA $680M -2.3 7.8% -25.4% -28.9% —
NRDS $966M 21.2 21.7% 5.8% 12.7% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 12
Annual Income Statement data for JCAP
Metric Trend 20252024
Revenue 2-point trend, +41.5% $613M $433M
Operating Expenses 2-point trend, +40.5% $294M $210M
Operating Income 2-point trend, +43.7% $316M $220M
Other Non-op 2-point trend, -18.6% $-98M $-83M
Pretax Income 2-point trend, +58.8% $218M $138M
Income Tax 2-point trend, +251.7% $30M $9M
Net Income 2-point trend, +45.8% $188M $129M
EPS (Basic) $5.64 ·
EPS (Diluted) $5.64 ·
Shares (Basic) 30,015,000 ·
Shares (Diluted) 30,015,000 ·
EBITDA $322M ·
Balance Sheet 15
Annual Balance Sheet data for JCAP
Metric Trend 20252024
Cash & Equivalents 2-point trend, -34.6% $23M $36M
PP&E (Net) 2-point trend, -25.5% $2M $2M
Goodwill 2-point trend, +0.6% $58M $58M
Intangibles $7M ·
Total Assets 2-point trend, +26.2% $2.09B $1.65B
Deferred Tax 2-point trend, +4549.2% $102M $2M
Total Liabilities 2-point trend, +26.7% $1.61B $1.27B
Long-term Debt $1.75B ·
Common Stock $6.0K ·
Paid-in Capital $-50M ·
Retained Earnings 2-point trend, +31.3% $523M $398M
AOCI 2-point trend, +119.5% $3M $-16M
Stockholders' Equity 2-point trend, +24.5% $476M $383M
Liabilities + Equity 2-point trend, +26.2% $2.09B $1.65B
Shares Outstanding 2-point trend, +58298923.00 58,298,923 0
Cash Flow 13
Annual Cash Flow data for JCAP
Metric Trend 20252024
D&A 2-point trend, +101.5% $5M $3M
Stock-based Comp 2-point trend, +17224000.00 $17M $0
Deferred Tax $21M ·
Amort. of Intangibles 2-point trend, +198.2% $4M $1M
Other Non-cash $37M ·
Operating Cash Flow 2-point trend, +59.8% $269M $168M
Investing Cash Flow 2-point trend, +25.9% $-402M $-542M
Stock Issued 2-point trend, +10000000.00 $10M $0
Net Stock Activity $10M ·
Dividends Paid 2-point trend, +76.3% $63M $36M
Financing Cash Flow 2-point trend, -61.5% $150M $389M
Net Change in Cash 2-point trend, -47.2% $9M $18M
Taxes Paid 2-point trend, -2.7% $8M $9M
Profitability 7
Annual Profitability data for JCAP
Metric Trend 20252024
Operating Margin 51.6% ·
Net Margin 30.6% ·
Pretax Margin 35.6% ·
EBITDA Margin 52.5% ·
ROA 10.1% ·
ROE 42.4% ·
ROIC 57.2% ·
Efficiency 1
Annual Efficiency data for JCAP
Metric Trend 20252024
Asset Turnover 0.3 ·
Per Share 6
Annual Per Share data for JCAP
Metric Trend 20252024
Book Value / Share $8.17 ·
Revenue / Share $20.43 ·
Cash Flow / Share $8.96 ·
Cash / Share $0.40 ·
Dividend / Share $1 ·
EPS (TTM) $5.64 ·
Growth Rates 2
Annual Growth Rates data for JCAP
Metric Trend 20252024
Revenue YoY 2-point trend, +21.7% 41.5% 34.1%
Net Income YoY 2-point trend, +194.2% 45.8% 15.6%
Valuation (TTM) 12
Annual Valuation (TTM) data for JCAP
Metric Trend 20252024
Revenue TTM $613M ·
Net Income TTM $188M ·
Market Cap $1.30B ·
P/E 4.0 ·
P/S 2.1 ·
P/B 2.7 ·
P / Tangible Book 3.2 ·
P / Cash Flow 4.8 ·
Dividend Yield 4.9% ·
Earnings Yield 25.2% ·
Payout Ratio 33.8% ·
Annual Payout $63M ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-31
Revenue $613M$433M$323M
Operating Margin % 51.6%——
Net Income $188M$129M$112M
Diluted EPS $5.64——

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Institutional owners (13F) 117 filers · $300.8M total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
31 (+1 vs prior Q) 19 (+5 vs prior Q) 42 (-13 vs prior Q) 24 (+12 vs prior Q) +573K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
ADAGE CAPITAL PARTNERS GP, L.L.C. $36,172,495 1,857,858 12.03% Shares
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC $35,175,768 1,806,665 11.70% Shares
WELLINGTON MANAGEMENT GROUP LLP $33,158,870 1,703,075 11.02% Shares
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC. $28,169,554 1,446,818 9.37% Shares
VANGUARD CAPITAL MANAGEMENT LLC $14,649,014 752,389 4.87% Shares
Nantahala Capital Management, LLC $14,602,500 750,000 4.86% Shares
GEODE CAPITAL MANAGEMENT, LLC $14,005,515 719,232 4.66% Shares
CITADEL ADVISORS LLC $11,438,586 587,498 3.80% Shares
North Reef Capital Management LP $10,330,743 530,598 3.43% Shares
STATE STREET CORP $9,197,842 472,411 3.06% Shares
AMERICAN CENTURY COMPANIES INC $8,896,349 456,926 2.96% Shares
MILLENNIUM MANAGEMENT LLC $8,091,109 415,568 2.69% Shares
STATE OF WISCONSIN INVESTMENT BOARD $6,596,261 338,791 2.19% Shares
Clearbridge Investments, LLC $6,401,737 328,800 2.13% Shares
Philadelphia Financial Management of San Francisco, LLC $6,169,128 316,853 2.05% Shares
Alyeska Investment Group, L.P. $5,029,451 258,318 1.67% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $3,674,067 188,704 1.22% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $3,046,549 156,474 1.01% Shares
EJF Capital LP $2,830,685 145,387 0.94% Shares
TWO SIGMA INVESTMENTS, LP $2,665,346 136,895 0.89% Shares
GOLDMAN SACHS GROUP INC $2,613,458 134,230 0.87% Shares
NORGES BANK $2,603,139 133,700 0.87% Shares
SCOTIA CAPITAL INC. $2,373,412 121,901 0.79% Shares
VANGUARD FIDUCIARY TRUST CO $2,371,076 121,781 0.79% Shares
MALTESE CAPITAL MANAGEMENT LLC $1,983,935 101,897 0.66% Shares
RENAISSANCE TECHNOLOGIES LLC $1,929,516 99,102 0.64% Shares
Y-Intercept (Hong Kong) Ltd $1,769,687 90,893 0.59% Shares
Qube Research & Technologies Ltd $1,743,032 89,524 0.58% Shares
BlackRock, Inc. $1,642,781 84,375 0.55% Shares
Man Group plc $1,420,142 72,940 0.47% Shares
VANGUARD GROUP INC $1,386,644 62,070 0.46% Shares
PICTON MAHONEY ASSET MANAGEMENT $1,091,450 56,058 0.36% Shares
Ghisallo Capital Management LLC $973,500 50,000 0.32% Shares
Trexquant Investment LP $967,620 49,698 0.32% Shares
Point72 Asset Management, L.P. $871,010 44,736 0.29% Shares
Pacific Ridge Capital Partners, LLC $864,371 44,395 0.29% Shares
TWO SIGMA ADVISERS, LP $844,452 37,800 0.28% Shares
Swiss National Bank $811,899 41,700 0.27% Shares
VARCOV Co. $742,644 38,143 0.25% Shares
ALLSTATE CORP $644,223 33,088 0.21% Shares
BANK OF AMERICA CORP /DE/ $590,272 30,317 0.20% Shares
HSBC HOLDINGS PLC $544,560 27,869 0.18% Shares
RHUMBLINE ADVISERS $533,975 27,426 0.18% Shares
BARCLAYS PLC $517,649 26,587 0.17% Shares
Odyssean, LLC $513,443 26,371 0.17% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $451,315 23,180 0.15% Shares
MERCER GLOBAL ADVISORS INC /ADV $404,489 20,775 0.13% Shares
Jump Financial, LLC $347,053 17,825 0.12% Shares
Bank of New York Mellon Corp $314,421 16,149 0.10% Shares
TEACHER RETIREMENT SYSTEM OF TEXAS $304,433 15,636 0.10% Shares
ENVESTNET ASSET MANAGEMENT INC $277,932 14,275 0.09% Shares
LPL Financial LLC $272,541 13,998 0.09% Shares
VANGUARD ASSET MANAGEMENT, Ltd $270,321 13,884 0.09% Shares
Mitsubishi UFJ Trust & Banking Corp $268,141 13,772 0.09% Shares
JANUS HENDERSON GROUP PLC $265,650 13,800 0.09% Shares
Nuveen, LLC $265,415 13,632 0.09% Shares
PRUDENTIAL FINANCIAL INC $263,332 13,525 0.09% Shares
EPIQ PARTNERS, LLC $259,594 13,333 0.09% Shares
CITIGROUP INC $250,540 12,868 0.08% Shares
Zurcher Kantonalbank (Zurich Cantonalbank) $245,536 12,611 0.08% Shares
MetLife Investment Management, LLC $243,511 12,507 0.08% Shares
Brevan Howard Capital Management LP $240,669 12,361 0.08% Shares
Squarepoint Ops LLC $229,103 11,767 0.08% Shares
State of Tennessee, Department of Treasury $223,380 11,473 0.07% Shares
WINTON GROUP Ltd $210,957 10,835 0.07% Shares
Aquatic Capital Management LLC $204,396 10,498 0.07% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $202,644 10,408 0.07% Shares
NEW YORK STATE COMMON RETIREMENT FUND $190,806 9,800 0.06% Shares
Russell Investments Group, Ltd. $186,405 9,574 0.06% Shares
Invesco Ltd. $179,474 9,218 0.06% Shares
MORGAN STANLEY $170,616 8,763 0.06% Shares
Vanguard Investments Australia, Ltd. $155,040 7,963 0.05% Shares
Police & Firemen's Retirement System of New Jersey $150,717 7,741 0.05% Shares
Quantbot Technologies LP $139,619 7,171 0.05% Shares
Vanguard Global Advisers, LLC $136,387 7,005 0.05% Shares
BNP PARIBAS FINANCIAL MARKETS $122,700 6,302 0.04% Shares
ASSETMARK, INC $110,375 5,669 0.04% Shares
KLP KAPITALFORVALTNING AS $83,721 4,300 0.03% Shares
NORTHERN TRUST CORP $69,041 3,546 0.02% Shares
US BANCORP \DE\ $46,728 2,400 0.02% Shares
NISA INVESTMENT ADVISORS, LLC $44,606 2,291 0.01% Shares
Legal & General Group Plc $42,873 2,202 0.01% Shares
SEI INVESTMENTS CO $42,480 2,181 0.01% Shares
Ameritas Investment Partners, Inc. $35,435 1,820 0.01% Shares
Tower Research Capital LLC (TRC) $28,718 1,475 0.01% Shares
PRINCIPAL FINANCIAL GROUP INC $25,622 1,316 0.01% Shares
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $23,461 1,220 0.01% Shares
FMR LLC $19,684 1,011 0.01% Shares
FRANKLIN RESOURCES INC $14,719 756 0.00% Shares
ROYAL BANK OF CANADA $13,000 682 0.00% Shares
BNP PARIBAS ASSET MANAGEMENT Holding S.A. $11,604 596 0.00% Shares
CWM, LLC $11,057 575 0.00% Shares
UBS Group AG $8,528 438 0.00% Shares
WELLS FARGO & COMPANY/MN $6,191 318 0.00% Shares
DEUTSCHE BANK AG\ $5,666 291 0.00% Shares
PRIVATE TRUST CO NA $5,393 277 0.00% Shares
Sterling Capital Management LLC $4,050 208 0.00% Shares
Integrated Wealth Concepts LLC $3,154 162 0.00% Shares
Rossby Financial, LCC $2,862 147 0.00% Shares
HARBOR CAPITAL ADVISORS, INC. $2,215 113,757 0.00% Shares

Company insiders 3 insiders · 2 officers · 2 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
David M. Burton Officer Title: Chief Executive Officer and President Jan. 9, 2026 S 3,392,500 0 1 $-7,892,500
Mark Joseph Zellmann President US Business Lines March 18, 2026 A — 0 0 $0
John J Oros Director March 11, 2026 A — 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 28 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
GSC · Goldman Sachs ETF Trust 0.32% 47,984 NS May 31, 2026 N-PORT
FSMD · FIDELITY COVINGTON TRUST 0.09% 98,376 NS April 30, 2026 N-PORT
OMFS · Invesco Exchange-Traded Self-Indexe… 0.06% 7,666 SH Aug. 8, 2026 Daily
AVUV · AMERICAN CENTURY ETF TRUST 0.02% 337,545 NS May 31, 2026 N-PORT
IWO · iShares Trust 0.02% 143,472 SH Aug. 8, 2026 Daily
VTWG · VANGUARD SCOTTSDALE FUNDS 0.02% 16,134 SH Aug. 8, 2026 Daily
ISCV · iShares Trust 0.02% 5,752 SH Aug. 8, 2026 Daily
IWM · iShares Trust 0.02% 610,561 SH Aug. 8, 2026 Daily
RSSL · Global X Funds 0.01% 9,662 NS April 30, 2026 N-PORT
AVSC · AMERICAN CENTURY ETF TRUST 0.01% 22,375 NS May 31, 2026 N-PORT
IWN · iShares Trust 0.01% 85,498 SH Aug. 8, 2026 Daily
ISCB · iShares Trust 0.01% 1,402 SH Aug. 8, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 130,110 SH Aug. 8, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 6,755 SH Aug. 8, 2026 Daily
ITWO · ProShares Trust 0.01% 1,046 NS May 31, 2026 N-PORT
SCHA · SCHWAB STRATEGIC TRUST 0.01% 81,371 NS May 31, 2026 N-PORT
UWM · ProShares Trust 0.01% 819 NS May 31, 2026 N-PORT
WSML · iShares Trust 0.01% 1,597 SH Aug. 8, 2026 Daily
FNCL · FIDELITY COVINGTON TRUST 0.00% 5,183 NS April 30, 2026 N-PORT
ONEQ · Fidelity Commonwealth Trust 0.00% 28,663 NS May 31, 2026 N-PORT
URTY · ProShares Trust 0.00% 831 NS May 31, 2026 N-PORT
HDG · ProShares Trust 0.00% 21 NS May 31, 2026 N-PORT
AVUS · AMERICAN CENTURY ETF TRUST 0.00% 10,907 NS May 31, 2026 N-PORT
SCHB · SCHWAB STRATEGIC TRUST 0.00% 7,000 NS May 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 196,328 SH Aug. 8, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 532,962 SH Aug. 8, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 1,955 SH Aug. 8, 2026 Daily
VFH · VANGUARD WORLD FUND 0.00% 33,750 SH Aug. 8, 2026 Daily