JCAP Jefferson Capital, Inc. - Common Stock

NASDAQ · Financial Services · View on SEC EDGAR ↗
$17.51
Price · May 20, 2026
Fundamentals as of May 14, 2026
52W Range
$16–$24
20% of range
Analyst Rating
BUY
13 analysts
Price Target
$26
+49% 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
$17.50
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
11.6
P/S (TTM)
2.1
1.2
P/B
2.7
1.6

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

Metric
5Y trend
JCAP
Peer Median
Operating Margin
51.6%
—
Net Profit Margin
30.6%
8.6%
ROA
10.1%
3.7%
ROE
42.4%
16.8%
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
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 · 2026-05-18
Median target $26.00 +48.5%
Mean target $26.00 +48.5%

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

Avg Surprise
0.07%
Period EPS Actual EPS Est Surprise
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 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% —
LC $2.19B 16.3 — 36.4% 9.3% —
ECPG $1.18B 5.0 34.4% 14.5% 27.4% —
PRG $2.42B 8.2 0.42% 6.1% 20.8% —
ATLC — — — — — —
NAVI — — — — — —
WRLD $680M 7.8 -1.5% 15.9% 20.7% —
GDOT — — 20.7% — — —
OPFI — 10.6 — — 57.7% —
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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