Jefferson Capital, Inc. (JCAP)

NASDAQ: JCAP · USD

$19.4

-0.61 (-3.0%)· Recorded snapshot

Market cap	1.1B
Revenue (ttm)	642.7M
Net income (ttm)	128.5M
EPS (ttm)	$2.25
Shares out	57.4M
P/E (trailing)	8.6x
P/E (forward)	6.7x
Dividend	$0.96 (4.97%)
Volume	260,975

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 642.7M
Net income (ttm): 128.5M
EPS (ttm): $2.25
P/E (trailing): 8.6x
P/E (forward): 6.7x
Market cap: 1.1B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	خرید قوی
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	خرید قوی
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	نگه‌داری

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E6.7

P25 n/aP50 n/aP75 n/a

Trailing P/E8.6

P25 n/aP50 n/aP75 n/a

ROE35

P25 n/aP50 n/aP75 n/a

ROIC16.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All JCAP indicators

Market & fundamental data

Available fields

240

Groups with data

Currency

USD

Showing 240 of 240 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0002046042
Company name	Jefferson Capital, Inc.
Country	United States
Country code	US
CUSIP number	47248R103
Earnings date	2026-11-12
Earnings time	amc
Employees	1,178
Employees change	58
Employees growth	5.18%
Enterprise value	$2.5B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2002
In index	RUSSELL2000
Industry	Credit Services
IPO date	2025-06-26
Is primary listing	Yes
Is SPAC	No
ISIN number	US47248R1032
Last 10-K release date	2026-03-13
Last earnings date	2026-08-13
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.1B
Market cap category	Small-Cap
Next earnings date	2026-11-12
Options	No
Price	$19.43
Price currency	USD
Sector	Financials
SIC code	6153
Stock price date	2026-10-28
Symbol	JCAP
U.S. state	Minnesota
Website	https://www.jcap.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	6.51x
Earnings yield	11.57%
EV/Earnings	19.48x
EV/EBIT	6.49x
EV/EBITDA	6.42x
EV/FCF	11.37x
EV/Sales	3.89x
FCF / EV yield	8.79%
FCF yield	19.76%
Forward EV/Sales	3.44x
Forward P/E	6.69x
Forward P/S	1.53x
Graham number	20.47859
Graham upside	5.61%
Industry forward P/E	19.82x
Industry P/E	22.96x
P/(FCF - SBC) ratio	5.99x
P/(OCF - SBC) ratio	5.95x
P/B ratio	2.42x
P/E ratio	8.64x
P/FCF ratio	5.06x
P/OCF ratio	5.04x
P/S ratio	1.73x
Price / tangible book value	2.69x
Price/EBITDA ratio	2.86x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	60%
EBITDA margin	60.64%
Effective tax rate	20.1%
FCF margin	34.24%
Gross margin	75.16%
Operating margin	60%
Pretax margin	30.19%
Profit margin	24.12%
Profit per employee	$109,060
Profitable quarters	10
Profitable years	3
Revenue per employee	$545,607
ROA	12.52%
ROCE	22.56%
ROE	34.95%
ROIC	16.57%
SBC / revenue	5.3%
Tax / revenue	6.07%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-25.45%
EPS growth (Q)	-96%
EPS growth (QoQ)	10.17%
EPS growth years	0
FCF growth	5.19%
FCF growth (Q)	-45.57%
FCF growth (QoQ)	7.78%
Gross profit growth	11.94%
Gross profit growth (Q)	4.5%
Net income growth	-11.78%
Net income growth (Q)	-13.34%
Net income growth (QoQ)	10.02%
Net income growth years	2
OCF growth	2.56%
OCF growth (Q)	-45.17%
OCF growth (QoQ)	9.12%
Operating income growth	10.2%
Operating income growth (Q)	4.13%
Revenue growth	20.73%
Revenue growth (Q)	11.5%
Revenue growth (QoQ)	-0.5%
Revenue growth quarters	6
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.1M
Depreciation and amortization	$4.1M
EBIT	$385.6M
EBITDA	$389.7M
EPS	$2.25
FCF per share	$3.83
Financing cash flow	$98M
Free cash flow	$220.1M
Free cash flow minus SBC	$186M
Gross profit	$483.1M
Income taxes	$39M
Investing cash flow	$-341M
Net borrowing	$226.2M
Net cash flow	$-29.5M
Net income	$128.5M
Operating cash flow minus SBC	$187.1M
Operating income	$385.6M
Revenue	$642.7M
Stock-based compensation	$34.1M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.62
Book value per share	$8.29
Debt / EBITDA	3.6
Debt / equity	2.96
Debt / FCF	6.41
Goodwill	$57.8M
Interest coverage	3.32
Long-term assets	$79M
Long-term liabilities	$1.2B
Net cash (debt)	$-1.4B
Net cash / market cap	-124.76%
Net debt / EBITDA	3.56
Net debt / equity	2.92
Net debt / FCF	6.31
Piotroski F-Score	5
Property, plant and equipment	$1.7M
Shareholders' equity	$476.2M
Tangible book value	$413.2M
Tangible book value per share	$7.19
Total assets	$2.1B
Total cash	$20.4M
Total debt	$1.4B
Total liabilities	$1.6B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.33
Current assets	$2B
Current liabilities	$374.4M
Current ratio	5.36
Net working capital	$1.9B
Quick ratio	5.34
Working capital	$1.6B
Working capital turnover	0.4

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	1.92%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-09-03
Dividend payment years	2
Dividend payout frequency	Quarterly
Dividend per share	$0.96
Dividend yield	4.97%
Ex-dividend date	2026-08-24
FCF payout ratio	25.05%
Last dividend	$0.24
Payout ratio	42.7%
Shareholder yield	6.89%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$19.64
1D price change	-3.04%
1M price change	-0.15%
1M total return	-0.15%
1W price change	-6.36%
1W total return	-6.36%
1Y price change	-0.21%
1Y return CAGR	4.76%
1Y total return	4.75%
20-day SMA	$20.14
200-day SMA	$20.03
3M price change	-4.89%
3M total return	-3.86%
50-day SMA	$20.59
50-day SMA vs 200-day SMA	50over200
52-week high	$24.44
52-week high date	2026-08-17
52-week low	$15.50
52-week low date	2026-06-03
6M price change	-6.59%
6M total return	-4.24%
All-time high	$24.44
All-time high date	2026-08-17
All-time low	$15.50
All-time low date	2026-06-03
Average true range (ATR)	$0.57
Average volume	225.2K
Beta (1Y)	0.65
Beta (2Y)	0.83
Change from 52-week high	-20.5%
Change from 52-week low	25.36%
Change from all-time high	-20.5%
Change from all-time low	25.35%
Change from open	-3.48%
Day's gap	0.45%
Dollar volume	$5.1M
High price	$20.14
Low price	$19.23
Monthly RSI	53.02
Open price	$20.13
Position in 52-week range	21.98%
Premarket change	0.35%
Premarket close	$20.04
Premarket price	$20.11
Previous close	$20.04
Price vs 150-day SMA	-1.06%
Price vs 20-day SMA	-3.52%
Price vs 200-day SMA	-2.99%
Price vs 50-day SMA	-5.65%
Relative volume	1.16
Return from IPO open	2.05%
Return from IPO price	29.27%
RSI	37.73
Sharpe ratio	0.19
Sortino ratio	0.45
Volume	261K
Weekly RSI	46.41
YTD price change	-13.03%
YTD total return	-9.73%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	16.8M
Float percentage	29.21%
Shares change (QoQ)	-0.13%
Shares change (YoY)	-1.92%
Shares held by insiders	9.77%
Shares held by institutions	38.95%
Shares outstanding	57.4M
Short % of float	6.63%
Short % of shares	1.94%
Short ratio	3.6 days

Deeper analysis on JCAP

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this JCAP report

Is a complete JCAP research report available?

No complete published report is available for Jefferson Capital, Inc. (JCAP) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Jefferson Capital, Inc. (JCAP)

Price

Financial snapshot

Fair-value bridge

Latest news · JCAP

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All JCAP indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on JCAP

Frequently asked questions