Saturday 17 October 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. In the quarter to June 2026, revenue grew 16.3%, EPS fell 96.4% and free cash flow fell 45.6%, each against the same quarter a year earlier.
20.53
0.21
−1.01%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | — | — | 15.98 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | — | — | — | — | 23.17 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 720 | 1,120 | ||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.60 | 0.55 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 323 | 433 | 613 | ||||
| Gross margin, % | — | — | — | — | — | — | — | 67.43 | 68.99 | 69.09 | |||||
| EBT | — | — | — | — | — | — | — | 121 | 138 | 218 | |||||
| EBT margin, % | — | — | — | — | — | — | — | 37.32 | 31.74 | 35.62 | |||||
| Net income | — | — | — | — | — | — | — | 112 | 129 | 188 | |||||
| Depreciation | — | — | — | — | — | — | — | 5 | 7 | 11 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 0.00 | 0.00 | 20.43 | ||||
| Earnings | — | — | — | — | — | — | — | — | — | 5.64 | |||||
| Cash flow | — | — | — | — | — | — | — | 0.00 | 0.00 | 8.96 | |||||
| Capex | — | — | — | — | — | — | — | 0.00 | 0.00 | (0.04) | |||||
| Free cash flow | — | — | — | — | — | — | — | 0.00 | 0.00 | 8.92 | |||||
| Book value | — | — | — | — | — | — | — | 0.00 | 0.00 | 15.86 | |||||
| Shares, m | — | — | — | — | — | — | — | — | — | 30 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 0.94 | 0.94 | 0.94 | ||||
| P/S | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.09 | |||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.41 | |||||
| EV/Sales | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.02 | |||||
| EV/FCF | — | — | — | — | — | — | — | (0.18) | (0.18) | 2.33 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 120 | 168 | 269 | ||||
| Capex | — | — | — | — | — | — | — | (1) | (6) | (1) | |||||
| Free cash flow | — | — | — | — | — | — | — | 119 | 162 | 268 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | (1,210) | (1,445) | ||||
| Total debt | — | — | — | — | — | — | — | — | — | — | |||||
| Net debt | — | — | — | — | — | — | — | — | (38) | (48) | |||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | 383 | 476 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 15.58 | 9.05 | ||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 39.99 | 46.15 | |||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.00 | 39.45 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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 | $1.9B | 5.0× | 4.7× | −1.26% (below 0%: shrinking) | −32.43% (below 0%: shrinking) | +316.72% (above 0%: growing) | 33.21% | 13.04% | Compare |
| ATLC Atlanticus Holdings Corporation | $1.4B | 9.6× | 8.8× | +88.84% (above 0%: growing) | +67.38% (above 0%: growing) | +112.08% (above 0%: growing) | 83.42% | 0.00% | Compare |
| JCAP Jefferson Capital, Inc. | $1.2B | 8.4× | 6.3× | +16.26% (above 0%: growing) | −96.40% (below 0%: shrinking) | −45.57% (below 0%: shrinking) | 63.06% | 45.87% | |
| NAVI Navient Corporation | $896.6M | — (loss-making) | 10.6× | −11.91% (below 0%: shrinking) | +92.86% (above 0%: growing) | +13.49% (above 0%: growing) | 21.13% | 0.00% | Compare |
| WRLD World Acceptance Corporation | $803.8M | 20.3× | 15.2× | +4.85% (above 0%: growing) | +432.00% (above 0%: growing) | +9.97% (above 0%: growing) | 100.00% | 13.88% | Compare |
| PRAA PRA Group, Inc. | $751.1M | — (loss-making) | 6.0× | +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 | $740.9M | — (loss-making) | 2.4× | −4.84% (below 0%: shrinking) | n/m | −225.59% (below 0%: shrinking) | 100.00% | 68.30% | Compare |
| QFIN Qfin Holdings Inc. - Sponsored ADR | $709.5M | 1.3× | 3.6× | −27.81% (below 0%: shrinking) | −72.53% (below 0%: shrinking) | −55.53% (below 0%: shrinking) | 81.04% | 36.17% | Compare |
| GDOT Green Dot Corporation | $698.6M | — (loss-making) | 11.6× | +18.19% (above 0%: growing) | n/m | +61.21% (above 0%: growing) | 100.00% | (0.13%) | Compare |
| Median of peers | $777.4M | 7.3× | 7.4× | +1.80% | +54.06% | +11.73% | 91.71% | 13.46% |
Jefferson Capital, Inc. (JCAP) key facts
- Strength: Jefferson Capital, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $613.3 million, up 41.5% from fiscal 2024.
- Jefferson Capital, Inc. (JCAP) is a Credit Services company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, JCAP traded at $20.53, a market capitalization of $1.2 billion.
- Return on equity was 39.5% and debt-to-equity 0.00.