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Friday 6 November 2026
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Jefferson Capital, Inc.
JCAP Financial Credit Services
Jefferson Capital, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $613.3 million, up 41.5% from fiscal 2024.
- Revenue
- +16.3%
- EPS
- −96.4%
- Free cash flow
- −45.6%
Quarter to June 2026, against a year earlier
19.70
1.12
−5.38%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 323 | 433 | 613 | 660 | +37.8% | 714 | 744 | — | +10.1% | |
| Gross margin, % | — | — | — | — | — | — | — | 67.43 | 68.99 | 69.09 | 64.54 | +1.7 pt | ||||||
| EBT | — | — | — | — | — | — | — | 121 | 138 | 218 | 194 | +34.6% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | 37.32 | 31.74 | 35.62 | 29.41 | (1.7) pt | ||||||
| Net income | — | — | — | — | — | — | — | 112 | 129 | 188 | 155 | +29.8% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 0.00 | 0.00 | 20.43 | 11.88 | n/m | |||||
| Earnings | — | — | — | — | — | — | — | — | — | 5.64 | 2.45 | — | ||||||
| Cash flow | — | — | — | — | — | — | — | 0.00 | 0.00 | 8.96 | 3.98 | n/m | ||||||
| Capex | — | — | — | — | — | — | — | 0.00 | 0.00 | (0.04) | (0.03) | n/m | ||||||
| Free cash flow | — | — | — | — | — | — | — | 0.00 | 0.00 | 8.92 | 3.96 | n/m | ||||||
| Book value | — | — | — | — | — | — | — | 0.00 | 0.00 | 15.86 | 8.58 | n/m | ||||||
| Shares, m | — | — | — | — | — | — | — | — | — | 30 | 50 | — | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 0.94 | 0.94 | 0.94 | 8.47 | 0.9 | |||||
| P/S | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.09 | 1.75 | 0.4 | ||||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.41 | 2.42 | 0.5 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.02 | — | 0.3 | ||||||
| EV/FCF | — | — | — | — | — | — | — | (0.18) | (0.18) | 2.33 | — | 0.7 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 120 | 168 | 269 | 221 | +49.5% | |||||
| Capex | — | — | — | — | — | — | — | (1) | (6) | (1) | (1) | (6.0%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 119 | 162 | 268 | 220 | +50.0% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | (1,210) | (1,445) | (1,437) | +19.5% | |||||
| Net debt | — | — | — | — | — | — | — | — | (38) | (48) | (26) | +24.3% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | 383 | 476 | 476 | +24.5% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 15.58 | 9.05 | 7.64 | +9.0 pt | |||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 39.99 | 46.15 | 41.96 | +46.2 pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.00 | 39.45 | 33.19 | +39.5 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 720 | 1,120 | — | +55.6% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.60 | 0.55 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026
Jefferson Capital, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| WU The Western Union Company | $2.2B | 6.5× | 5.7× | −2.26% (below 0%: shrinking) | −41.86% (below 0%: shrinking) | −69.40% (below 0%: shrinking) | 33.98% | 12.96% | Compare |
| EZPW EZCORP, Inc. | $1.8B | 11.2× | 13.8× | +34.65% (above 0%: growing) | +37.78% (above 0%: growing) | +27.86% (above 0%: growing) | 58.79% | 13.09% | Compare |
| ATLC Atlanticus Holdings Corporation | $1.5B | 6.8× | 9.2× | +56.84% (above 0%: growing) | +307.33% (above 0%: growing) | +135.83% (above 0%: growing) | 84.79% | 0.00% | Compare |
| JCAP Jefferson Capital, Inc. | $1.2B | 8.5× | 7.0× | +16.26% (above 0%: growing) | −96.40% (below 0%: shrinking) | −45.57% (below 0%: shrinking) | 63.06% | 45.87% | |
| NAVI Navient Holdings, Inc. | $827.2M | — (loss-making) | 12.1× | −11.91% (below 0%: shrinking) | +92.86% (above 0%: growing) | +13.49% (above 0%: growing) | 21.13% | 0.00% | Compare |
| PRAA PRA Group, Inc. | $768.8M | — (loss-making) | 5.9× | +29.37% (above 0%: growing) | +40.74% (above 0%: growing) | −172.63% (below 0%: shrinking) | 100.00% | 41.19% | Compare |
| LU Lufax Holding Ltd. Sponsored ADR | $723.6M | — (loss-making) | — (loss-making) | +12.08% (above 0%: growing) | n/m | −108.45% (below 0%: shrinking) | 100.00% | 63.39% | Compare |
| GDOT Green Dot Corporation | $708.9M | — (loss-making) | 58.6× | +18.19% (above 0%: growing) | n/m | +61.21% (above 0%: growing) | 100.00% | (0.13%) | Compare |
| WRLD World Acceptance Corporation | $673.1M | 13.9× | 12.7× | +3.53% (above 0%: growing) | n/m | +9.97% (above 0%: growing) | 100.00% | 16.75% | Compare |
| Median of peers | $798.0M | 9.0× | 12.1× | +15.14% | +40.74% | +11.73% | 92.40% | 13.02% |
Pay and ownership Proxy statement filed 21 April 2026
Ownership
Directors and executive officers, together
8.33%
Entities affiliated with JCF IV JCAP Holding L.P.
53.10%
David Burton
5.50%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement